Security Federal's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Security Federal (SFDL) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Security Federal vs Its Competitors
- TTM: Trailing 12-month revenue of 59M vs 122,683M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+11.6% annualized vs trailing 12 months), vs accelerating (+3.3%) for its tracked peer group.
- Growth: Security Federal generated 19.0% revenue growth year over year in Q4 2025, vs 21.3% for its tracked competitors combined.
- Profitability: Its 26.1% net margin compares with 38.5% for the peer group.
- Scale: Security Federal ranks #173 of 216 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Security Federal accounted for 0.1% of combined revenue among its tracked peer group, up from 0.1% a year earlier.
- Peer differentiation: Revenue per employee of $0.23M compares with $0.41M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
SFDL Sales vs. its Competitors, Q4 2025
Security Federal reported revenue growth of 18.96 % year on year in Q4 2025, below its competitors' combined revenue growth of 21.34 %.
With a net margin of 26.09 %, Security Federal reported lower profitability than its competitors (38.45 %).
Security Federal generated 0.05 % of the combined sales of its peer group, up from 0.05 % a year earlier.
Security Federal vs. its Competitors, Q4 2025
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Security Federal and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Security Federal Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (1) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Security Federal's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 19.0% for Security Federal. Security Federal's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Security Federal's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Security Federal Corp | Yes | Yes | Yes | No |
| Competitors combined (8) | ||||
| Similar-Size Competitors (10) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 50.00 % (4 of 8) | 12.50 % (1 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
SFDL Stock Performance relative to its Competitors
SFDL Stock Performance relative to Similar-Size Competitors
SFDL Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Peoples Bancorp Of North Carolina Inc | 282.9% | Outperformed |
| 2 | Hometrust Bancshares Inc | 282.9% | Outperformed |
| 3 | Bank Of America Corporation | 282.9% | Outperformed |
| 4 | Banc Of California Inc | 282.9% | Outperformed |
| 5 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Security Federal's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Security Federal's Comment on Competition and Industry Peers
Publicly Traded Peers of Security Federal Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Security Federal Corp | 139.00 | 58.93 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Bank Bradesco | 17,745.97 | 118.96 |
| Banc Of California Inc | 2,751.48 | 1,016.11 |
| Hometrust Bancshares Inc | 747.27 | 209.69 |
| First Community Corporation | 309.55 | 88.47 |
| SUBTOTAL | 426,759.75 | 122,741.98 |
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Sources: Security Federal Corp's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Security Federal Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Security Federal's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Security Federal's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Security Federal's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Security Federal Corp | 139 | 228,426 | 52,996 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Bank Bradesco | 17,746 | 1,449 | 55,371 |
| Banc Of California Inc | 2,751 | 533,670 | -11,752 |
| Hometrust Bancshares Inc | 747 | 365,310 | 112,923 |
| First Community Corporation | 310 | 313,734 | 81,968 |
| PEERS TOTAL | 426,621 | 411,157 | 128,396 |
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Security Federal's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Security Federal's industry classification, broader than the peer set above. Market cap in millions of $.Security Federal ranks #173 of 198 companies by market capitalization in its industry, holding 0.02 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 523, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 114,825 | 15.01 % |
| 2 | Deutsche Bank Aktiengesellschaft | 72,405 | 9.47 % |
| 3 | State Street Corp | 50,515 | 6.60 % |
| 4 | Fifth Third Bancorp | 47,236 | 6.18 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 173 | Security Federal Corp | 139 | 0.02 % |
Market cap and industry share for the rest of Security Federal's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-25.
Security Federal's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 168 | Finwise Bancorp | 156 | - |
| 169 | Richmond Mutual Bancorporation Inc | 150 | 7.44 % |
| 170 | Sr Bancorp Inc | 146 | - |
| 171 | F and m Bank Corp | 145 | - |
| 172 | Rhinebeck Bancorp inc | 1,234 | 12.3% |
| 173 | Security Federal Corp | 139 | - |
| 174 | Bank Of The James Financial Group Inc | 1,234 | 12.3% |
| 175 | First Keystone Corporation | 1,234 | 12.3% |
| 176 | New Peoples Bankshares Inc | 1,234 | 12.3% |
| 177 | Cullman Bancorp Inc | 1,234 | 12.3% |
| 178 | Winchester Bancorp Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Security Federal's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Security Federal's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 59.69 % | 64.14 % (avg) | -4.5 pp |
| Operating Margin | 29.41 % | industry median | -6.1 pp |
| EBITDA Margin | 61.83 % | 49.90 % (avg) | +11.9 pp |
| Capital Intensity (Capex / Revenue) | 9.47 % | 3.18 % (avg) | +6.3 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Security Federal's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.1x | 15.6x | -6.4x |
| EV / EBITDA | 1.0x | 6.2x | -5.2x |
| P/B | 0.5x | 1.3x | -0.8x |
| Return on Equity | 7.06 % | industry aggregate | -3.97 % |
| Return on Invested Capital | 3.95 % | 3.20 % (avg) | 0.75 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Security Federal's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 4.42 % | 9.52 % | 2.65 % | 26.07 % | -2.42 % | 2.61 % | 4.78 % | 16.23 % |
| Operating Margin | 25.10 % | 25.37 % | 22.51 % | 33.69 % | 27.43 % | 25.79 % | 24.78 % | 29.41 % |
| Return on Invested Capital | 3.77 % | 3.98 % | 2.89 % | 5.41 % | 1.38 % | 0.76 % | 0.72 % | 3.95 % |
| P/E | 12.9x | 13.7x | 12.3x | 8.2x | 8.4x | 7.0x | 10.2x | 9.1x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Security Federal's Strategic Group Map
Every company in Security Federal's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Security Federal is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Security Federal's BCG Growth-Share Matrix
Relative market share (vs Security Federal's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Security Federal falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Security Federal's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 523 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 9.47 % vs industry average 3.18 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Security Federal's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Security Federal's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Security Federal's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Security Federal falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Security Federal's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+11.6% annualized vs trailing 12 months).
Weaknesses
- Operating margin 6.1 points below the industry median.
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
- Trades at a lower P/E than the industry average (9.1x vs 15.6x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Security Federal's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Security Federal Corp | 0.07 | 0.30 | 0.18 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Bank Bradesco | - | 6.18 | - |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| Hometrust Bancshares Inc | 0.02 | 1.61 | 0.01 |
| First Community Corporation | 0.04 | 1.18 | 0.60 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Security Federal's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Security Federal Corp | Q4 2025 | +19.0 % | +25.5 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +36.4 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| Hometrust Bancshares Inc | Q2 2026 | +0.3 % | -10.3 % |
| First Community Corporation | Q2 2026 | +26.5 % | +46.5 % |
| PEERS TOTAL | +13.4 % | +27.6 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Security Federal's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Security Federal Corp | Q4 2025 | - | -67.9 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Bank Bradesco | Q4 2025 | - | +118.7 % |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| Hometrust Bancshares Inc | Q2 2026 | - | -25.3 % |
| First Community Corporation | Q2 2026 | - | +25.5 % |
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Security Federal's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Security Federal Corp | 0.85% | 5.59% | 7.06% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Bank Bradesco | 1.03% | 1.03% | 13.37% |
| Banc Of California Inc | - | - | - |
| Hometrust Bancshares Inc | 1.44% | 3.75% | 10.85% |
| First Community Corporation | 1.04% | 3.16% | 11.89% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Security Federal's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Security Federal Corp | 12.46 | 2.36 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Bank Bradesco | 0.75 | 149.18 |
| Banc Of California Inc | - | 2.71 |
| Hometrust Bancshares Inc | 11.79 | 3.56 |
| First Community Corporation | 9.72 | 3.50 |
| PEERS AVERAGE | 11.14 | 3.48 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.