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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Security FederalSFDL 73 PEG Ratio is 0.77 as of Aug. 02, 2026, which is 44% below its 10-year median of 1.37. 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 1,231 Banks companies, Security Federal ranks better than 77.42% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Security Federal's PEG Ratio or its related term are showing as below:
SFDL'
s PEG Ratio Range Over the Past 10 Years
Min: 0.48 Med: 1.37 Max: 3.09
Current: 0.77
During the past 13 years, Security Federal's highest PEG Ratio was 3.09. The lowest was 0.48. And the median was 1.37.
SFDL's PEG Ratio is ranked better than 77.42% of 1231
companies
in the Banks industry
Industry Median: 1.56
vs SFDL: 0.77
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Security Federal (OTCPK:SFDL) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Security Federal PEG Ratio Related Terms
Security Federal PEG Ratio Historical Data
* Premium members only.
The historical data trend for Security Federal's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Security Federal's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Security Federal (SFDL) has a PEG Ratio of 0.77 as of Aug. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Security Federal and its competitors. This is 44% below median its historical median of 1.37. Over the past decade, Security Federal's PEG Ratio has ranged from 0.48 to 3.09. According to the industry distribution chart, Security Federal ranks #278 out of 1231 companies in the Banks industry, placing it in the top 22.6%.
Is Security Federal's PEG Ratio too high?
Security Federal's current PEG Ratio of 0.77 is 44% below median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 3.09. The Banks industry median PEG Ratio is 1.56. Security Federal's value of 0.77 is 50.6% below this industry median. Based on the distribution chart, Security Federal ranks #278 out of 1231 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 PEG Ratio compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #278 out of 1231 companies for PEG Ratio. This places Security Federal in the top 23% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.56. Security Federal's value of 0.77 is 50.6% below this benchmark. Historically, Security Federal's own PEG Ratio has ranged from 0.48 to 3.09 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current PEG Ratio of 0.77 is 50.6% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Security Federal and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current PEG Ratio is 0.77, which is 44% below median its own 10-year median of 1.37. 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 PEG Ratio is 0.77, which is 44% below median its 10-year median of 1.37 and 50.6% below the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Security Federal (SFDL), the current PEG Ratio is 0.77 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:
PEG Ratio: 0.77 (44% below median its 10-year median of 1.37)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 50.6% below the Banks median (#278 of 1231)
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
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