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Security FederalSFDL 73 OCF Yield % is 11.16 as of Aug. 02, 2026, which is 22% below its 10-year median of 14.28. 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 1,498 Banks companies, Security Federal ranks better than 60.35% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Security Federal OCF Yield % Related Terms
Security Federal OCF Yield % Historical Data
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The historical data trend for Security Federal's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Security Federal's OCF Yield % 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 OCF Yield % of 11.16 as of Aug. 02, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Security Federal and its competitors. This is 22% below median its historical median of 14.28. Over the past decade, Security Federal's OCF Yield % has ranged from 8.39 to 32.41. According to the industry distribution chart, Security Federal ranks #594 out of 1498 companies in the Banks industry, placing it in the top 39.7%.
Is Security Federal's OCF Yield % too high?
Security Federal's current OCF Yield % of 11.16 is 22% below median its 10-year median of 14.28. Over the past 10 years, this metric has ranged from a low of 8.39 to a high of 32.41. The Banks industry median OCF Yield % is 9.00. Security Federal's value of 11.16 is 24% above this industry median. Based on the distribution chart, Security Federal ranks #594 out of 1498 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 OCF Yield % compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #594 out of 1498 companies for OCF Yield %. This puts Security Federal in the upper half of its industry. The industry median OCF Yield % is 9.00. Security Federal's value of 11.16 is 24% above this benchmark. Historically, Security Federal's own OCF Yield % has ranged from 8.39 to 32.41 over the past decade. While the company's 10-year median is 14.28 vs. the industry median of 9.00, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current OCF Yield % of 11.16 is 24% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Security Federal and its competitors. For the Banks industry, the median OCF Yield % is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current OCF Yield % is 11.16, which is 22% below median its own 10-year median of 14.28. 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 OCF Yield % is 11.16, which is 22% below median its 10-year median of 14.28 and 24% above the Banks industry median of 9.00. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Security Federal (SFDL), the current OCF Yield % is 11.16 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:
OCF Yield %: 11.16 (22% below median its 10-year median of 14.28)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 24% above the Banks median (#594 of 1498)
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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OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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