SFDL (Security Federal) Dividend Payout Ratio: 0.12 (As of Dec. 2025) — 25% Below Median

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SFDL Security Federal Corp SFDL
73 GF Score
Price $41.67
GF Value $33.66
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Security Federal Dividend Payout Ratio?

Security Federal SFDL 73 Dividend Payout Ratio is 0.12 as of Dec. 2025, which is 25% below its 10-year median of 0.16. 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 1,174 Banks companies, Security Federal ranks better than 86.12% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Security Federal's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.12.

The historical rank and industry rank for Security Federal's Dividend Payout Ratio or its related term are showing as below:

SFDL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11   Med: 0.16   Max: 0.2
Current: 0.16

During the past 13 years, the highest Dividend Payout Ratio of Security Federal was 0.20. The lowest was 0.11. And the median was 0.16.

SFDL's Dividend Payout Ratio is ranked better than
86.12% of 1174 companies
in the Banks industry
Industry Median: 0.32 vs SFDL: 0.16

As of today (2026-08-02), the Dividend Yield % of Security Federal is 1.49%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Security Federal was 2.48%. The lowest was 0.91%. And the median was 1.44%.

Security Federal's Dividends per Share for the months ended in Dec. 2025 was $0.15.

During the past 12 months, Security Federal's average Dividends Per Share Growth Rate was 7.10% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 7.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 8.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 6.80% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Security Federal was 81.70% per year. The lowest was 0.00% per year. And the median was 5.90% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Security Federal (OTCPK:SFDL) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Security Federal Dividend Payout Ratio Related Terms

Security Federal Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Security Federal's Dividend Payout Ratio 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.

Security Federal Dividend Payout Ratio Chart

Security Federal Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.11 0.15 0.17 0.20 0.16

Security Federal Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.15 0.19 0.20 0.15 0.12

SFDL vs CWBK, CTUY, CCNB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Security Federal's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Security Federal's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Security Federal's Dividend Payout Ratio falls into.


SFDL
73GF Score
Security Federal Corp SFDL
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Security Federal Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Security Federal's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.6/ 3.785
=0.16

Security Federal's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.15/ 1.24
=0.12

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.12 mean?
Security Federal (SFDL) has a Dividend Payout Ratio of 0.12 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Security Federal and its competitors. This is 25% below median its historical median of 0.16. Over the past decade, Security Federal's Dividend Payout Ratio has ranged from 0.11 to 0.20. According to the industry distribution chart, Security Federal ranks #163 out of 1174 companies in the Banks industry, placing it in the top 13.9%.
Is Security Federal's Dividend Payout Ratio too high?
Security Federal's current Dividend Payout Ratio of 0.12 is 25% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.20. The Banks industry median Dividend Payout Ratio is 0.32. Security Federal's value of 0.12 is 62.5% below this industry median. Based on the distribution chart, Security Federal ranks #163 out of 1174 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 Dividend Payout Ratio compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #163 out of 1174 companies for Dividend Payout Ratio. This places Security Federal in the top 14% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Security Federal's value of 0.12 is 62.5% below this benchmark. Historically, Security Federal's own Dividend Payout Ratio has ranged from 0.11 to 0.20 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,174 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current Dividend Payout Ratio of 0.12 is 62.5% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Security Federal and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current Dividend Payout Ratio is 0.12, which is 25% below median its own 10-year median of 0.16. 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 Dividend Payout Ratio is 0.12, which is 25% below median its 10-year median of 0.16 and 62.5% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Security Federal (SFDL), the current Dividend Payout Ratio is 0.12 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:

  • Dividend Payout Ratio: 0.12 (25% below median its 10-year median of 0.16)
  • GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
  • GF Score™: 73/100 with 6 warning signs
  • Industry Position: 62.5% below the Banks median (#163 of 1174)

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 Business Description

Address 238 Richland Avenue Northwest, Aiken, SC, USA, 29801
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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$41.67
Price
$33.66
GF Value