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Security FederalSFDL 73 PS Ratio is 2.32 as of Aug. 02, 2026, which is 1% above its 10-year median of 2.30. 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 1,516 Banks companies, Security Federal ranks better than 69.13% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Security Federal's share price is $41.66718.
Security Federal's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $17.96. Hence, Security Federal's PS Ratio for today is 2.32.
Warning Sign:
Security Federal Corp stock PS Ratio (=2.33) is close to 5-year high of 2.56.
The historical rank and industry rank for Security Federal's PS Ratio or its related term are showing as below:
SFDL'
s PS Ratio Range Over the Past 10 Years
Min: 1.42 Med: 2.3 Max: 3.62
Current: 2.32
During the past 13 years, Security Federal's highest PS Ratio was 3.62. The lowest was 1.42. And the median was 2.30.
SFDL's PS Ratio is ranked better than 69.13% of 1516
companies
in the Banks industry
Industry Median: 3.065
vs SFDL: 2.32
Security Federal Corp has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Security Federal was 14.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 8.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 6.40% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 6.50% per year.
During the past 13 years, Security Federal's highest 3-Year average Revenue per Share Growth Rate was 16.20% per year. The lowest was -11.50% per year. And the median was 5.05% per year.
Security Federal (OTCPK:SFDL) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Security Federal PS Ratio Related Terms
Security Federal PS Ratio Historical Data
* Premium members only.
The historical data trend for Security Federal's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's PS Ratio distribution charts can be found below:
* The bar in red indicates where Security Federal's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Security Federal's Share Price of today is $41.66718. 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.
It can also be calculated from the numbers for the whole company:
Security Federal (SFDL) has a PS Ratio of 2.32 as of Aug. 02, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Security Federal and its competitors. This is near median its historical median of 2.30. Over the past decade, Security Federal's PS Ratio has ranged from 1.42 to 3.62. According to the industry distribution chart, Security Federal ranks #468 out of 1516 companies in the Banks industry, placing it in the top 30.9%.
Is Security Federal's PS Ratio too high?
Security Federal's current PS Ratio of 2.32 is near median its 10-year median of 2.30. Over the past 10 years, this metric has ranged from a low of 1.42 to a high of 3.62. The Banks industry median PS Ratio is 3.07. Security Federal's value of 2.32 is 24.3% below this industry median. Based on the distribution chart, Security Federal ranks #468 out of 1516 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 PS Ratio compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #468 out of 1516 companies for PS Ratio. This puts Security Federal in the upper half of its industry. The industry median PS Ratio is 3.07. Security Federal's value of 2.32 is 24.3% below this benchmark. Historically, Security Federal's own PS Ratio has ranged from 1.42 to 3.62 over the past decade. While the company's 10-year median is 2.30 vs. the industry median of 3.07, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.07, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current PS Ratio of 2.32 is 24.3% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Security Federal and its competitors. For the Banks industry, the median PS Ratio is 3.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current PS Ratio is 2.32, which is near median its own 10-year median of 2.30. 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 PS Ratio is 2.32, which is near median its 10-year median of 2.30 and 24.3% below the Banks industry median of 3.07. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Security Federal (SFDL), the current PS Ratio is 2.32 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:
PS Ratio: 2.32 (near median its 10-year median of 2.30)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 24.3% below the Banks median (#468 of 1516)
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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