SFDL (Security Federal) Cyclically Adjusted Revenue per Share: $15.22 (As of Dec. 2025)

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SFDL Security Federal Corp SFDL
73 GF Score
Price $41.80
GF Value $33.67
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Security Federal Cyclically Adjusted Revenue per Share?

Security Federal SFDL +0.32% 73 Cyclically Adjusted Revenue per Share is $15.22 as of Dec. 2025. GuruFocus rates SFDL with a GF Score™ of 73/100 and a GF Value™ of $33.67 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Security Federal's adjusted revenue per share for the three months ended in Dec. 2025 was $5.069. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $15.22 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Security Federal's average Cyclically Adjusted Revenue Growth Rate was 6.30% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.60% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.20% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 3.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Security Federal was 6.40% per year. The lowest was -0.40% per year. And the median was 1.60% per year.

As of today (2026-08-03), Security Federal's current stock price is $41.80. Security Federal's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was $15.22. Security Federal's Cyclically Adjusted PS Ratio of today is 2.75.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Security Federal was 3.24. The lowest was 1.53. And the median was 2.39.


Security Federal  (OTCPK:SFDL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Security Federal's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=41.80/15.22
=2.75

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Security Federal was 3.24. The lowest was 1.53. And the median was 2.39.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Security Federal Cyclically Adjusted Revenue per Share Related Terms


Security Federal Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Security Federal's Cyclically Adjusted Revenue per Share 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.

Security Federal Cyclically Adjusted Revenue per Share Chart

Security Federal Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.01 12.92 13.57 14.32 15.22

Security Federal Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.32 14.58 14.81 15.06 15.22

SFDL vs CWBK, CTUY, CCNB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Security Federal's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Security Federal Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Security Federal's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Security Federal's Cyclically Adjusted PS Ratio falls into.


SFDL
73GF Score
Security Federal Corp SFDL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Security Federal Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Security Federal's adjusted Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=5.069/324.0540*324.0540
=5.069

Current CPI (Dec. 2025) = 324.0540.

Security Federal Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201603 2.430 238.132 3.307
201606 2.392 241.018 3.216
201609 2.502 241.428 3.358
201612 2.303 241.432 3.091
201703 2.474 243.801 3.288
201706 2.405 244.955 3.182
201709 2.773 246.819 3.641
201712 2.487 246.524 3.269
201803 2.655 249.554 3.448
201806 2.606 251.989 3.351
201809 2.808 252.439 3.605
201812 2.877 251.233 3.711
201903 2.902 254.202 3.699
201906 2.950 256.143 3.732
201909 2.995 256.759 3.780
201912 2.450 256.974 3.090
202003 3.029 258.115 3.803
202006 3.050 257.797 3.834
202009 3.278 260.280 4.081
202012 3.358 260.474 4.178
202103 3.239 264.877 3.963
202106 3.108 271.696 3.707
202109 4.001 274.310 4.727
202112 3.350 278.802 3.894
202203 3.143 287.504 3.543
202206 3.337 296.311 3.649
202209 3.705 296.808 4.045
202212 3.924 296.797 4.284
202303 3.722 301.836 3.996
202306 3.388 305.109 3.598
202309 3.469 307.789 3.652
202312 3.956 306.746 4.179
202403 3.705 312.332 3.844
202406 3.800 314.175 3.919
202409 3.958 315.301 4.068
202412 4.284 315.605 4.399
202503 4.169 319.799 4.224
202506 4.192 322.561 4.211
202509 4.530 324.800 4.520
202512 5.069 324.054 5.069

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $15.22 mean?
Security Federal (SFDL) has a Cyclically Adjusted Revenue per Share of $15.22 as of Dec. 2025. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Security Federal and its competitors.
Is Security Federal's Cyclically Adjusted Revenue per Share too high?
Security Federal's current Cyclically Adjusted Revenue per Share is $15.22. Overall, Security Federal has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Federal's Cyclically Adjusted Revenue per Share compare to CWBK and CTUY?
Security Federal's Cyclically Adjusted Revenue per Share of $15.22 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Security Federal and its competitors. Security Federal's current Cyclically Adjusted Revenue per Share is $15.22. 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 $33.67, compared to a current price of $41.80 — trading 24.1% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $15.22. Security Federal's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Security Federal (SFDL), the current Cyclically Adjusted Revenue per Share is $15.22 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 $41.80 is trading 24.1% above its estimated GF Value™ of $33.67. GuruFocus considers Security Federal to be Modestly Overvalued.

Key valuation signals for SFDL:

  • Cyclically Adjusted Revenue per Share: $15.22
  • GF Value™: $33.67 vs. price of $41.80 (24.1% above fair value)
  • GF Score™: 73/100 with 6 warning signs

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 Business Description

Address 238 Richland Avenue Northwest, Aiken, SC, USA, 29801
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.
73GF Score

Get the complete analysis for SFDL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.80
Price
$33.67
GF Value