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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Security Federal's current 3-Year Share Buyback Ratio was 1.40%.
The historical rank and industry rank for Security Federal's 3-Year Share Buyback Ratio or its related term are showing as below:
SFDL'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -8.6 Med: 0 Max: 2.2
Current: 1.4
During the past 13 years, Security Federal's highest 3-Year Share Buyback Ratio was 2.20%. The lowest was -8.60%. And the median was 0.00%.
SFDL's 3-Year Share Buyback Ratio is ranked better than 83.19% of 1041
companies
in the Banks industry
Industry Median: -0.2
vs SFDL: 1.40
Security Federal (OTCPK:SFDL) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Security Federal 3-Year Share Buyback Ratio Related Terms
SFDL vs CWBK, CTUY, CCNB: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Security Federal's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Security Federal's 3-Year Share Buyback Ratio falls into.
Security Federal 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 1.40 mean?
Security Federal (SFDL) has a 3-Year Share Buyback Ratio of 1.40 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Security Federal and its competitors. According to the industry distribution chart, Security Federal ranks #175 out of 1041 companies in the Banks industry, placing it in the top 16.8%.
Is Security Federal's 3-Year Share Buyback Ratio too high?
Security Federal's current 3-Year Share Buyback Ratio is 1.40. Based on the distribution chart, Security Federal ranks #175 out of 1041 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 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Federal's 3-Year Share Buyback Ratio compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #175 out of 1041 companies for 3-Year Share Buyback Ratio. This places Security Federal in the top 17% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Security Federal and its competitors. Security Federal's current 3-Year Share Buyback Ratio is 1.40. 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 $33.78, compared to a current price of $42.70 — trading 26.4% above its estimated fair value. The current 3-Year Share Buyback Ratio is 1.40. Security Federal's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Security Federal (SFDL), the current 3-Year Share Buyback Ratio is 1.40 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 $42.70 is trading 26.4% above its estimated GF Value™ of $33.78.
GuruFocus considers Security Federal to be Modestly Overvalued.
Key valuation signals for SFDL:
3-Year Share Buyback Ratio: 1.40
GF Value™: $33.78 vs. price of $42.70 (26.4% above fair value)
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.
70GF Score
Get the complete analysis for SFDL
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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