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Security FederalSFDL 73 5-Year Yield-on-Cost % is 2.23 as of Aug. 03, 2026, which is 3% above its 10-year median of 2.16. GuruFocus rates SFDL with a GF Score™ of 73/100 and a GF Value™ of $33.67 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,252 Banks companies, Security Federal ranks worse than 77.64% on this metric.
Security Federal's yield on cost for the quarter that ended in Dec. 2025 was 2.23.
The historical rank and industry rank for Security Federal's 5-Year Yield-on-Cost % or its related term are showing as below:
SFDL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.36 Med: 2.16 Max: 3.71
Current: 2.23
During the past 13 years, Security Federal's highest Yield on Cost was 3.71. The lowest was 1.36. And the median was 2.16.
SFDL's 5-Year Yield-on-Cost % is ranked worse than 77.64% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs SFDL: 2.23
Security Federal (OTCPK:SFDL) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Security Federal 5-Year Yield-on-Cost % Related Terms
SFDL vs CWBK, CTUY, CCNB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Security Federal's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Security Federal's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Security Federal's 5-Year Yield-on-Cost % falls into.
Security Federal 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Security Federal (SFDL) has a 5-Year Yield-on-Cost % of 2.23 as of Aug. 03, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Security Federal and its competitors. This is near median its historical median of 2.16. Over the past decade, Security Federal's 5-Year Yield-on-Cost % has ranged from 1.36 to 3.71. According to the industry distribution chart, Security Federal ranks #972 out of 1252 companies in the Banks industry, placing it in the top 77.6%.
Is Security Federal's 5-Year Yield-on-Cost % too high?
Security Federal's current 5-Year Yield-on-Cost % of 2.23 is near median its 10-year median of 2.16. Over the past 10 years, this metric has ranged from a low of 1.36 to a high of 3.71. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Security Federal's value of 2.23 is 41.7% below this industry median. Based on the distribution chart, Security Federal ranks #972 out of 1252 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to CWBK and CTUY?
According to the Banks industry distribution chart, Security Federal ranks #972 out of 1252 companies for 5-Year Yield-on-Cost %. This places Security Federal in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Security Federal's value of 2.23 is 41.7% below this benchmark. Historically, Security Federal's own 5-Year Yield-on-Cost % has ranged from 1.36 to 3.71 over the past decade. While the company's 10-year median is 2.16 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Security Federal's current 5-Year Yield-on-Cost % of 2.23 is 41.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Security Federal and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Federal's current 5-Year Yield-on-Cost % is 2.23, which is near median its own 10-year median of 2.16. 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 $33.67, compared to a current price of $41.67 — trading 23.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.23, which is near median its 10-year median of 2.16 and 41.7% below the Banks industry median of 3.83. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Security Federal (SFDL), the current 5-Year Yield-on-Cost % is 2.23 as of Aug. 03, 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 $33.67.
GuruFocus considers Security Federal to be Modestly Overvalued.
Key valuation signals for SFDL:
5-Year Yield-on-Cost %: 2.23 (near median its 10-year median of 2.16)
GF Value™: $33.67 vs. price of $41.67 (23.8% above fair value)
Industry Position: 41.7% below the Banks median (#972 of 1252)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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