SECURITY FEDERAL CORP (SFDL)
State Commercial Banks · Financial Services · $117M
Intrinsic Value (Consensus)
$81.19
Current Price
$37.50
Margin of Safety
+116.5%
116.5% Below Intrinsic Value
Value: $81
Price: $38
Valuation Model Estimates
Current Price: $37.50
DCF (Discounted Cash Flow)
$132.54
Graham Number
$75.45
Earnings Power Value
$38.16
Relative Value (P/E)
$78.60
Dividend Discount Model
Not applicable
—
Consensus Value
$81.19
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $3.93
- EPS (Forward)
- $4.72
- Book Value
- $64.38
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 6.8%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance