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Security FederalSFDL 73 Median PS Value is $42.06 as of Aug. 02, 2026, which is 4106% above its 10-year median of 1.00. 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 1,049 Banks companies, Security Federal ranks better than 65.68% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Security Federal (OTCPK:SFDL) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Security Federal's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
41.66718
/
42.06
=
0.99
* 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 Median PS Value Related Terms
Security Federal Median PS Value Historical Data
* Premium members only.
The historical data trend for Security Federal's Median PS Value 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: Median PS Value Comparison
For the Banks - Regional subindustry, Security Federal's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Security Federal's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.3419.
Security Federal's Revenue per Share 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 $17.96.
* 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 Median PS Value of $42.06 as of Aug. 02, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Security Federal and its competitors. This is 4106% above median its historical median of 1.00. Over the past decade, Security Federal's Median PS Value has ranged from 0.67 to 2.49. According to the industry distribution chart, Security Federal ranks #360 out of 1049 companies in the Banks industry, placing it in the top 34.3%.
Is Security Federal's Median PS Value too high?
Security Federal's current Median PS Value of $42.06 is 4106% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 2.49. The Banks industry median Median PS Value is 1.13. Security Federal's value of $42.06 is 3622.1% above this industry median. Based on the distribution chart, Security Federal ranks #360 out of 1049 companies in the Banks industry, which is above 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 Median PS Value compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #360 out of 1049 companies for Median PS Value. This puts Security Federal in the upper half of its industry. The industry median Median PS Value is 1.13. Security Federal's value of $42.06 is 3622.1% above this benchmark. Historically, Security Federal's own Median PS Value has ranged from 0.67 to 2.49 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 1.13, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.13, based on 1,049 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current Median PS Value of $42.06 is 3622.1% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Security Federal and its competitors. For the Banks industry, the median Median PS Value is 1.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current Median PS Value is $42.06, which is 4106% above median its own 10-year median of 1.00. 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 Median PS Value is $42.06, which is 4106% above median its 10-year median of 1.00 and 3622.1% above the Banks industry median of 1.13. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Security Federal (SFDL), the current Median PS Value is $42.06 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:
Median PS Value: $42.06 (4106% above median its 10-year median of 1.00)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 3622.1% above the Banks median (#360 of 1049)
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
Get the complete analysis for SFDL
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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