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Security FederalSFDL 73 Shareholder Yield % is 13.05% as of Dec. 2025, which is 97% above its 10-year median of 6.61. 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 1,500 Banks companies, Security Federal ranks better than 83.53% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Security Federal's Shareholder Yield % was 13.05%.
Security Federal (OTCPK:SFDL) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Security Federal Shareholder Yield % Related Terms
Security Federal Shareholder Yield % Historical Data
* Premium members only.
The historical data trend for Security Federal's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Banks - Regional subindustry, Security Federal's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Security Federal's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Security Federal (SFDL) has a Shareholder Yield % of 13.05% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Security Federal and its competitors. This is 97% above median its historical median of 6.61. According to the industry distribution chart, Security Federal ranks #247 out of 1500 companies in the Banks industry, placing it in the top 16.5%.
Is Security Federal's Shareholder Yield % too high?
Security Federal's current Shareholder Yield % of 13.05% is 97% above median its 10-year median of 6.61. The Banks industry median Shareholder Yield % is 1.50. Security Federal's value of 13.05% is 772.9% above this industry median. Based on the distribution chart, Security Federal ranks #247 out of 1500 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 Shareholder Yield % compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #247 out of 1500 companies for Shareholder Yield %. This places Security Federal in the top 17% of its industry — outperforming the majority of peers. The industry median Shareholder Yield % is 1.50. Security Federal's value of 13.05% is 772.9% above this benchmark. While the company's 10-year median is 6.61 vs. the industry median of 1.50, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.50, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current Shareholder Yield % of 13.05% is 772.9% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Security Federal and its competitors. For the Banks industry, the median Shareholder Yield % is 1.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current Shareholder Yield % is 13.05%, which is 97% above median its own 10-year median of 6.61. 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 Shareholder Yield % is 13.05%, which is 97% above median its 10-year median of 6.61 and 772.9% above the Banks industry median of 1.50. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Security Federal (SFDL), the current Shareholder Yield % is 13.05% 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:
Shareholder Yield %: 13.05% (97% above median its 10-year median of 6.61)
GF Value™: $33.66 vs. price of $41.67 (23.8% above fair value)
Industry Position: 772.9% above the Banks median (#247 of 1500)
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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