Reported Q: Q1 2025 Rev YoY: +77.9% EPS YoY: +50.0% Move: 0.00%
Security Federal
SFDL
$34.51 0.00%
Exchange OTC Sector Financial Services Industry Banks Regional
Q1 2025
Published: May 9, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for SFDL

Reported

Report Date

May 9, 2025

Quarter Q1 2025

Revenue

21.29M

YoY: +77.9%

EPS

0.81

YoY: +50.0%

Market Move

0.00%

Previous quarter: Q4 2024

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Earnings Highlights

  • Revenue of $21.29M up 77.9% year-over-year
  • EPS of $0.81 increased by 50% from previous year
  • Gross margin of 90.3%
  • Net income of 3.01M
  • "" -
SFDL
Company SFDL

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Executive Summary

Security Federal Corporation reported QQ1 2025 results that exhibit a sharp year-over-year rebound in top-line activity alongside meaningful margin and profitability dynamics. Revenue totaled $21.29 million for the quarter, up 77.9% year over year, while net income of $3.01 million and EPS of $0.81 reflect a material improvement in net profitability despite a narrower sequential revenue trajectory. EBITDA reached $4.49 million and operating income was $3.83 million, underscoring a quarter with constructive operating leverage when viewed against the backdrop of the prior year period.

The quarter also highlights a conservative liquidity and capital posture: cash and equivalents plus short-term investments provide ample liquidity (cash and cash equivalents of $134.33 million and total cash equivalents plus short-term investments around $223 million), and the company carries a modest debt load with net debt of approximately -$94.1 million. However, free cash flow remained negative in the period ($-0.206 million), and the current ratio of 0.616 signals near-term liquidity considerations in a balance-sheet profile that appears asset-heavy for a bank-like franchise. The combination of strong top-line growth, improving profitability metrics, and robust liquidity positions Security Federal as a compelling in-place platform within its regional footprint, but investors should monitor margin durability, credit quality metrics, and the trajectory of cash flow generation going forward.

Key Performance Indicators

Revenue
Increasing
21.29M
QoQ: -5.99% | YoY: 77.91%
Gross Profit
Decreasing
19.23M
90.33% margin
QoQ: 40.73% | YoY: -8.59%
Operating Income
Increasing
3.83M
QoQ: 0.92% | YoY: 64.25%
Net Income
Increasing
3.01M
QoQ: -12.05% | YoY: 71.48%
EPS
Increasing
0.81
QoQ: -13.83% | YoY: 50.00%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q1 2025 21.29 0.81 +77.9% View
Q4 2024 22.65 0.94 +71.9% View
Q3 2024 21.77 0.62 +93.2% View
Q2 2024 20.88 0.66 +89.4% View
Q1 2024 11.97 0.54 -3.8% View