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Security FederalSFDL +0.32%73 Debt-to-Equity is 0.18 as of Dec. 2025, which is 72% below its 10-year median of 0.64. 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. Among 1,421 Banks companies, Security Federal ranks better than 79.38% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Security Federal's Debt-to-Equity or its related term are showing as below:
SFDL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18 Med: 0.64 Max: 1.15
Current: 0.18
During the past 13 years, the highest Debt-to-Equity Ratio of Security Federal was 1.15. The lowest was 0.18. And the median was 0.64.
SFDL's Debt-to-Equity is ranked better than 79.38% of 1421
companies
in the Banks industry
Industry Median: 0.57
vs SFDL: 0.18
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Security Federal Debt-to-Equity Related Terms
Security Federal Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Security Federal's Debt-to-Equity 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.
SFDL vs CWBK, CTUY, CCNB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Security Federal's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Security Federal's Debt-to-Equity falls into.
* 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 (SFDL) has a Debt-to-Equity of 0.18 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Security Federal and its competitors. This is 72% below median its historical median of 0.64. Over the past decade, Security Federal's Debt-to-Equity has ranged from 0.18 to 1.15. According to the industry distribution chart, Security Federal ranks #293 out of 1421 companies in the Banks industry, placing it in the top 20.6%.
Is Security Federal's Debt-to-Equity too high?
Security Federal's current Debt-to-Equity of 0.18 is 72% below median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.15. The Banks industry median Debt-to-Equity is 0.57. Security Federal's value of 0.18 is 68.4% below this industry median. Based on the distribution chart, Security Federal ranks #293 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #293 out of 1421 companies for Debt-to-Equity. This places Security Federal in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.57. Security Federal's value of 0.18 is 68.4% below this benchmark. Historically, Security Federal's own Debt-to-Equity has ranged from 0.18 to 1.15 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 0.57, Security Federal has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current Debt-to-Equity of 0.18 is 68.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Security Federal and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current Debt-to-Equity is 0.18, which is 72% below median its own 10-year median of 0.64. 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 Debt-to-Equity is 0.18, which is 72% below median its 10-year median of 0.64 and 68.4% below the Banks industry median of 0.57. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Security Federal (SFDL), the current Debt-to-Equity is 0.18 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:
Debt-to-Equity: 0.18 (72% below median its 10-year median of 0.64)
GF Value™: $33.67 vs. price of $41.80 (24.1% above fair value)
Industry Position: 68.4% below the Banks median (#293 of 1421)
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.
73GF Score
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