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Security FederalSFDL 73 EV-to-FCF is 10.07 as of Aug. 02, 2026, which is 12% below its 10-year median of 11.47. GuruFocus rates SFDL with a GF Score™ of 73/100 and a GF Value™ of $33.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,200 Banks companies, Security Federal ranks worse than 59.17% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Security Federal's Enterprise Value is $88.61 Mil.
Security Federal's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.80 Mil. Therefore, Security Federal's EV-to-FCF for today is 10.07.
The historical rank and industry rank for Security Federal's EV-to-FCF or its related term are showing as below:
SFDL'
s EV-to-FCF Range Over the Past 10 Years
Min: -1.87 Med: 11.47 Max: 34.94
Current: 10.07
During the past 13 years, the highest EV-to-FCF of Security Federal was 34.94. The lowest was -1.87. And the median was 11.47.
SFDL's EV-to-FCF is ranked worse than 59.17% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs SFDL: 10.07
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Security Federal (OTCPK:SFDL) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Security Federal's PE Ratio (TTM) for today is calculated as:
Security Federal's share price for today is $41.66718.
Security Federal's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.810.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Security Federal EV-to-FCF Related Terms
Security Federal EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Security Federal's EV-to-FCF 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.
For the Banks - Regional subindustry, Security Federal's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Security Federal's EV-to-FCF falls into.
Security Federal's current Enterprise Value is $88.61 Mil.
Security Federal's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.80 Mil.
* 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 EV-to-FCF of 10.07 as of Aug. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Security Federal and its competitors. This is 12% below median its historical median of 11.47. According to the industry distribution chart, Security Federal ranks #710 out of 1200 companies in the Banks industry, placing it in the top 59.2%.
Is Security Federal's EV-to-FCF too high?
Security Federal's current EV-to-FCF of 10.07 is 12% below median its 10-year median of 11.47. The Banks industry median EV-to-FCF is 7.22. Security Federal's value of 10.07 is 39.5% above this industry median. Based on the distribution chart, Security Federal ranks #710 out of 1200 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #710 out of 1200 companies for EV-to-FCF. This places Security Federal in the lower half of its industry. The industry median EV-to-FCF is 7.22. Security Federal's value of 10.07 is 39.5% above this benchmark. While the company's 10-year median is 11.47 vs. the industry median of 7.22, Security Federal has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.22, based on 1,200 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current EV-to-FCF of 10.07 is 39.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Security Federal and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current EV-to-FCF is 10.07, which is 12% below median its own 10-year median of 11.47. 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 $33.66, compared to a current price of $41.67 — trading 23.8% above its estimated fair value. The current EV-to-FCF is 10.07, which is 12% below median its 10-year median of 11.47 and 39.5% above the Banks industry median of 7.22. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Security Federal (SFDL), the current EV-to-FCF is 10.07 as of Aug. 02, 2026. 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 $41.67 is trading 23.8% above its estimated GF Value™ of $33.66.
GuruFocus considers Security Federal to be Modestly Overvalued.
Key valuation signals for SFDL:
EV-to-FCF: 10.07 (12% below median its 10-year median of 11.47)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 39.5% above the Banks median (#710 of 1200)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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