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Security FederalSFDL 73 Return-on-Tangible-Asset is 1.06% as of Dec. 2025, which is 41% above its 10-year median of 0.75. 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 1,528 Banks companies, Security Federal ranks worse than 60.47% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Security Federal's annualizedNet Income for the quarter that ended in Dec. 2025 was $17.16 Mil. Security Federal's average total tangible assets for the quarter that ended in Dec. 2025 was $1,613.85 Mil. Therefore, Security Federal's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.06%.
The historical rank and industry rank for Security Federal's Return-on-Tangible-Asset or its related term are showing as below:
SFDL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.62 Med: 0.75 Max: 1.03
Current: 0.85
During the past 13 years, Security Federal's highest Return-on-Tangible-Asset was 1.03%. The lowest was 0.62%. And the median was 0.75%.
SFDL's Return-on-Tangible-Asset is ranked worse than 60.47% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs SFDL: 0.85
Security Federal (OTCPK:SFDL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Security Federal Return-on-Tangible-Asset Related Terms
Security Federal Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Security Federal's Return-on-Tangible-Asset 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.
SFDL vs CWBK, CTUY, CCNB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Security Federal's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Security Federal's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.06% mean?
Security Federal (SFDL) has a Return-on-Tangible-Asset of 1.06% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Security Federal and its competitors. This is 41% above median its historical median of 0.75. Over the past decade, Security Federal's Return-on-Tangible-Asset has ranged from 0.62 to 1.03. According to the industry distribution chart, Security Federal ranks #924 out of 1528 companies in the Banks industry, placing it in the top 60.5%.
Is Security Federal's Return-on-Tangible-Asset too high?
Security Federal's current Return-on-Tangible-Asset of 1.06% is 41% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.03. The Banks industry median Return-on-Tangible-Asset is 1.01. Security Federal's value of 1.06% is 5.5% above this industry median. Based on the distribution chart, Security Federal ranks #924 out of 1528 companies in the Banks industry, which is below 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 Return-on-Tangible-Asset compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #924 out of 1528 companies for Return-on-Tangible-Asset. This places Security Federal in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Security Federal's value of 1.06% is 5.5% above this benchmark. Historically, Security Federal's own Return-on-Tangible-Asset has ranged from 0.62 to 1.03 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current Return-on-Tangible-Asset of 1.06% is 5.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Security Federal and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current Return-on-Tangible-Asset is 1.06%, which is 41% above median its own 10-year median of 0.75. 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 Return-on-Tangible-Asset is 1.06%, which is 41% above median its 10-year median of 0.75 and 5.5% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Security Federal (SFDL), the current Return-on-Tangible-Asset is 1.06% 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:
Return-on-Tangible-Asset: 1.06% (41% above median its 10-year median of 0.75)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 5.5% above the Banks median (#924 of 1528)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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