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Security FederalSFDL 73 FCF Margin % is 16.84% as of Dec. 2025, which is 44% below its 10-year median of 30.16. 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 1,502 Banks companies, Security Federal ranks worse than 63.45% on this metric.
The historical data trend for Security Federal's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Security Federal's FCF Margin % 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 FCF Margin % of 16.84% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Security Federal and its competitors. This is 44% below median its historical median of 30.16. Over the past decade, Security Federal's FCF Margin % has ranged from 12.72 to 50.81. According to the industry distribution chart, Security Federal ranks #953 out of 1502 companies in the Banks industry, placing it in the top 63.4%.
Is Security Federal's FCF Margin % too high?
Security Federal's current FCF Margin % of 16.84% is 44% below median its 10-year median of 30.16. Over the past 10 years, this metric has ranged from a low of 12.72 to a high of 50.81. The Banks industry median FCF Margin % is 26.12. Security Federal's value of 16.84% is 35.5% below this industry median. Based on the distribution chart, Security Federal ranks #953 out of 1502 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 FCF Margin % compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #953 out of 1502 companies for FCF Margin %. This places Security Federal in the lower half of its industry. The industry median FCF Margin % is 26.12. Security Federal's value of 16.84% is 35.5% below this benchmark. Historically, Security Federal's own FCF Margin % has ranged from 12.72 to 50.81 over the past decade. While the company's 10-year median is 30.16 vs. the industry median of 26.12, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current FCF Margin % of 16.84% is 35.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Security Federal and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current FCF Margin % is 16.84%, which is 44% below median its own 10-year median of 30.16. 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 FCF Margin % is 16.84%, which is 44% below median its 10-year median of 30.16 and 35.5% below the Banks industry median of 26.12. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Security Federal (SFDL), the current FCF Margin % is 16.84% 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 $41.67 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:
FCF Margin %: 16.84% (44% below median its 10-year median of 30.16)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 35.5% below the Banks median (#953 of 1502)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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