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Security FederalSFDL 73 PB Ratio is 0.65 as of Aug. 02, 2026, which is 25% below its 10-year median of 0.87. 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 1,515 Banks companies, Security Federal ranks better than 83.37% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-02), Security Federal's share price is $41.66718. Security Federal's Book Value per Share for the quarter that ended in Dec. 2025 was $64.37. Hence, Security Federal's PB Ratio of today is 0.65.
Warning Sign:
Security Federal Corp stock PB Ratio (=0.65) is close to 3-year high of 0.65.
The historical rank and industry rank for Security Federal's PB Ratio or its related term are showing as below:
SFDL'
s PB Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.87 Max: 1.37
Current: 0.65
During the past 13 years, Security Federal's highest PB Ratio was 1.37. The lowest was 0.41. And the median was 0.87.
SFDL's PB Ratio is ranked better than 83.37% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs SFDL: 0.65
During the past 12 months, Security Federal's average Book Value Per Share Growth Rate was 12.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 14.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Security Federal was 17.20% per year. The lowest was -2.40% per year. And the median was 8.35% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Security Federal PB Ratio Related Terms
Security Federal PB Ratio Historical Data
* Premium members only.
The historical data trend for Security Federal's PB 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.
For the Banks - Regional subindustry, Security Federal's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's PB Ratio distribution charts can be found below:
* The bar in red indicates where Security Federal's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Security Federal (SFDL) has a PB Ratio of 0.65 as of Aug. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Security Federal and its competitors. This is 25% below median its historical median of 0.87. Over the past decade, Security Federal's PB Ratio has ranged from 0.41 to 1.37. According to the industry distribution chart, Security Federal ranks #252 out of 1515 companies in the Banks industry, placing it in the top 16.6%.
Is Security Federal's PB Ratio too high?
Security Federal's current PB Ratio of 0.65 is 25% below median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.37. The Banks industry median PB Ratio is 1.11. Security Federal's value of 0.65 is 41.4% below this industry median. Based on the distribution chart, Security Federal ranks #252 out of 1515 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 PB Ratio compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #252 out of 1515 companies for PB Ratio. This places Security Federal in the top 17% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Security Federal's value of 0.65 is 41.4% below this benchmark. Historically, Security Federal's own PB Ratio has ranged from 0.41 to 1.37 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current PB Ratio of 0.65 is 41.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Security Federal and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current PB Ratio is 0.65, which is 25% below median its own 10-year median of 0.87. 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 PB Ratio is 0.65, which is 25% below median its 10-year median of 0.87 and 41.4% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Security Federal (SFDL), the current PB Ratio is 0.65 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:
PB Ratio: 0.65 (25% below median its 10-year median of 0.87)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 41.4% below the Banks median (#252 of 1515)
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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