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Security Federal Corporation (SFDL) Fair Value & Analysis

Financial Services · US · Market cap $118M

Price$38.00
Fair Value$57.46
Upside+51.2%
Quality95/100
Evidence: High Range $43.10 – $71.83

Fair value as of: Jun 26, 2026

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Analysis

Security Federal Corporation (SFDL) currently trades at $38.00, while our model-based Fair Value estimate is $57.46 — implying the stock looks roughly 51.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Security Federal Corporation operates as the bank holding company for Security Federal Bank that provides various banking products and services. It provides various deposit products, such as savings and checking accounts, money market accounts, fixed interest rate certificates with varying maturities, and individual retirement accounts. The company offers real estate loans comprising commercial real estate loans secured by non-residential commercial properties, churches, hotels, residential developments, and multi-family dwellings; one-to-four family residential real estate loans; and construction loans and loans for the acquisition, development, and construction of residential subdivisions and commercial projects. In addition, it provides commercial and agricultural business loans secured by business equipment, furniture and fixtures, inventory, and receivables, or unsecured; and consumer loans including home improvements, residential lots, mortgage, automobiles, boats, mobile home…

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Frequently asked questions

Is Security Federal Corporation (SFDL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $57.46 versus a price of $38.00 — about +51% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SFDL?
Our 21-model fair value for Security Federal Corporation is $57.46 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.00.
What is the quality score of SFDL?
Security Federal Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.