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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Security Federal's accounts receivables for the quarter that ended in Dec. 2025 was $4.91 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
Security Federal's Days Sales Outstanding for the quarter that ended in Dec. 2025 was 28.36.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Security Federal's Net-Net Working Capital per share for the quarter that ended in Dec. 2025 was $-371.80.
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
Security Federal's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Security Federal's accounts receivable are only considered to be worth 75% of book value:
Security Federal's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
Security Federal Accounts Receivable Related Terms
Security Federal Accounts Receivable Historical Data
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The historical data trend for Security Federal's Accounts Receivable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Accounts Receivable of $4.91 Mil mean?
Security Federal (SFDL) has a Accounts Receivable of $4.91 Mil as of Dec. 2025. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Security Federal and its competitors.
Is Security Federal's Accounts Receivable too high?
Security Federal's current Accounts Receivable is $4.91 Mil. Overall, Security Federal has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Federal's Accounts Receivable compare to CWBK and CTUY?
Security Federal's Accounts Receivable of $4.91 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Security Federal and its competitors. Security Federal's current Accounts Receivable is $4.91 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Federal stock overvalued right now?
Based on GuruFocus' analysis, Security Federal (SFDL) is currently considered Modestly Overvalued. The stock's GF Value™ is $33.78, compared to a current price of $42.70 — trading 26.4% above its estimated fair value. The current Accounts Receivable is $4.91 Mil. Security Federal's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Security Federal (SFDL), the current Accounts Receivable is $4.91 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Security Federal (SFDL) Overvalued in 2026?
Based on GuruFocus' analysis, Security Federal stock appears to be overvalued.
The current stock price of $42.70 is trading 26.4% above its estimated GF Value™ of $33.78.
GuruFocus considers Security Federal to be Modestly Overvalued.
Key valuation signals for SFDL:
Accounts Receivable: $4.91 Mil
GF Value™: $33.78 vs. price of $42.70 (26.4% above fair value)
No single metric tells the full story. See the SFDL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Federal Corp and its subsidiaries are involved in the business of providing commercial and personal banking services as well as auto, business, home, and health insurance. The primary business of the company is to accept deposits from the general public and originate commercial real estate loans, commercial business loans, consumer loans as well as mortgage loans to buy or refinance one-to-four family residential real estate. It also originates construction loans and loans for the acquisition, development, and construction of residential subdivisions and commercial projects. The company also operates Security Federal Trust and Investments that offers trust, financial planning, and financial management services.
70GF Score
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Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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