{"filings":[{"id":114836,"accession_number":"0001437749-26-002479","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q4 EPS $1.24 vs $0.94; full-year $3.80 vs $2.77","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income available to common $3.9M ($1.24/share) vs $3.0M ($0.94) in Q4 2024.","Full-year 2025 net income available to common $12.0M ($3.80/share) vs $8.9M ($2.77) in 2024.","Net interest income rose 11.5% to $12.6M in Q4, driven by lower interest expense.","Recorded $235K reversal of provision for credit losses in 2025 vs. $1.4M provision in 2024; NPAs fell to $5.8M.","Common equity book value per share increased to $37.74 from $31.21 a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131222,"accession_number":"0001437749-25-032126","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q3 net income up 61% to $3.2M ($1.01 EPS) YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $3.2M vs $2.0M YoY; EPS $1.01 vs $0.62.","Net interest income rose 16% to $12.1M; provision for credit losses reversed $200K.","Non-performing assets fell to $5.7M from $7.6M at Dec 31, 2024; credit quality improved.","Deposits increased 8.6% YoY to $1.37B; borrowings down 58% after repaying Fed borrowings.","Common equity book value per share rose to $35.80 from $31.97 a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147812,"accession_number":"0000939057-25-000237","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-08-22T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Security Federal Corp. to deregister SEC reporting; will file Form 15 by Dec. 31, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Company intends to file Form 15 with SEC on/around December 31, 2025 to terminate registration.","Decision driven by conclusion that costs and regulatory compliance burden outweigh benefits of SEC reporting.","After filing, obligation to file periodic reports (10-K, 10-Q, 8-K) will be suspended; termination effective 90 days later.","Company will still provide annual report with audited financials; quarterly info on website; FDIC Call Reports continue."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147811,"accession_number":"0001437749-25-023892","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q2 net income up 12% YoY to $0.75/sh; no credit provision","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders of $2.4M ($0.75/sh) for Q2 2025, vs $2.1M ($0.66/sh) in Q2 2024.","Net interest income rose 11.1% to $11.3M; non-interest income up 5.7% to $2.6M.","No provision for credit losses recorded in Q2 2025 vs $175k in Q2 2024; non-performing assets fell to 0.37% of assets.","Deposits increased 4.5% to $1.38B; borrowings reduced 57.4% to $39.6M from year-end 2024.","Common equity book value per share rose to $34.02 from $31.21 at Dec 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166511,"accession_number":"0000939057-25-000138","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-05-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders elect four directors; say-on-pay passes with 92%","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Thomas L. Moore, J. Chris Verenes, Richard T. Harmon, and Frampton W. Toole III elected as directors for three-year terms.","Say-on-pay proposal approved by 92% of shares present (2,250,074 for, 160,399 against, 26,910 abstain).","Quorum of 2,437,383 shares present out of 3,186,093 outstanding.","Seven incumbent directors continue their terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166510,"accession_number":"0001437749-25-013723","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q1 net income rises to $2.6M ($0.81/share) from $1.8M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders $2.6M ($0.81 per share), up from $1.8M ($0.54) in Q1 2024.","Net interest income increased 12.5% to $11.2M; no provision for credit losses recorded vs $335k in prior year.","Non-interest income rose 5.3% to $2.4M; non-interest expense increased 2.1% to $9.8M.","Total assets $1.58B, deposits $1.35B (+1.6% QoQ); borrowings reduced 57.6% to $39.4M.","Non-performing assets to total assets 0.46%; allowance for credit losses at 1.99% of gross loans."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183937,"accession_number":"0001437749-25-008512","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Security Federal declares $0.10 special dividend, payable April 15","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Special cash dividend of $0.10 per share declared by Board of Directors.","Record date March 31, 2025; payable April 15, 2025.","CEO cites continued profitability as basis for the special dividend.","Future dividends will depend on Board's assessment of financial condition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183936,"accession_number":"0001437749-25-002407","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q4 net income down 17% to $0.94/share; full-year EPS falls to $2.77","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2024 net income available to common shareholders was $3.0M ($0.94 EPS) vs $3.6M ($1.12 EPS) in Q4 2023.","Full-year 2024 net income available to common shareholders was $8.9M ($2.77 EPS) vs $10.2M ($3.14 EPS) in 2023.","Provision for credit losses surged to $1.4M in 2024 from $246K in 2023, pressuring earnings.","Net interest income rose 7.8% in Q4 to $11.3M; total assets grew 4% to $1.6B year-over-year.","Non-performing assets increased to $7.6M (0.47% of assets) from $6.8M (0.44%) a year earlier."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183935,"accession_number":"0001437749-25-001102","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2025-01-14T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Security Federal gets option to buy back Treasury-held ECIP preferred stock at discount","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Option to repurchase all 82,949 ECIP preferred shares during first 15 years from May 24, 2022 original closing.","Purchase price based on present value formula; company expects substantial discount from face value.","Exercise during first 10 years requires meeting one of three lending thresholds; company currently meets none.","Earliest possible threshold satisfaction June 30, 2026; current dividend rate 2.0%.","Company may designate a Mission Aligned Nonprofit Affiliate as purchaser under the option."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200531,"accession_number":"0001437749-24-032557","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q3 net income slips to $0.62/share from $0.65; provision for credit losses rises","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income available to common shareholders fell to $2.0M ($0.62/share) from $2.1M ($0.65) in Q3 2023.","Net interest income rose 10.2% to $10.4M, but provision for credit losses increased to $580k from zero.","Year-to-date net income available to common down 10.6% to $5.9M ($1.83/share) vs $6.6M ($2.02).","Total assets grew 6.7% YoY to $1.58B; deposits up 5.2% to $1.26B.","Borrowings decreased $49.1M to $121M due to repayment of Federal Reserve Term Funding Program."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200530,"accession_number":"0001437749-24-031465","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-10-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Security Federal Corp to redeem all $16.5M of 5.25% subordinated notes on Nov 22, 2024","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Aggregate principal of $16.5M of 5.25% Fixed-to-Floating Rate Subordinated Notes due 2029 to be redeemed.","Redemption at 100% of principal plus accrued interest; payment in cash from excess cash on hand.","Redemption date is November 22, 2024; interest ceases accrual on that date.","All outstanding notes will be called; total redemption price excludes interest beyond redemption date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216546,"accession_number":"0001437749-24-027157","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-08-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Security Federal Corp expands stock repurchase authorization by 100,000 shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized an additional 100,000 shares for repurchase; total program now 135,276 shares (including 35,276 remaining from prior).","Repurchases will be made at management's discretion based on market conditions, stock price, and alternative uses of capital.","No guarantee as to exact number of shares repurchased; program may be suspended or modified at any time."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216545,"accession_number":"0001437749-24-023691","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q2 net income rises to $2.1M, or $0.66 per share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income available to common shareholders $2.1M ($0.66 per share), up from $1.8M ($0.55) a year ago.","Net interest income grew 11.6% YoY to $10.2M, driven by higher market rates and earning asset growth.","Total assets reached $1.5B, up 4.8% YoY; net loans grew $32.7M in H1 to $655.2M.","Non-performing assets were $7.1M (0.46% of assets); allowance for credit losses at 1.95% of gross loans.","Year-to-date net income fell to $3.9M ($1.20 per share) from $4.5M ($1.37) due to higher provision and expenses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236193,"accession_number":"0000939057-24-000126","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Security Federal Corporation announces annual meeting results; all director nominees elected","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Timothy W. Simmons, Harry O. Weeks Jr., and Roy G. Lindburg elected as directors for three-year terms expiring 2027.","Say-on-pay advisory vote approved with 93% of votes cast in favor.","Total of 2,352,294 shares represented at meeting (72.8% of outstanding shares)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236192,"accession_number":"0001437749-24-013566","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q1 net income falls 34% to $1.8M; EPS $0.54 vs $0.82","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.8M vs $2.7M YoY; diluted EPS $0.54 vs $0.82; net interest income down 2.6%.","Net interest income $10.0M; interest expense surged 119.8% to $8.7M, outpacing interest income growth of 31.7%.","Provision for credit losses $335K vs $0 YoY; non-interest expense up 6.7% to $9.6M.","Total assets $1.5B, up $112M YoY; net loans receivable $646.0M, up $71.6M YoY.","Borrowings decreased $44.7M to $125.4M; deposits increased 8.8% YoY to $1.2B; non-performing assets stable at 0.44%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253894,"accession_number":"0001437749-24-003074","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-02-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Security Federal Q4 EPS $1.12, up 10% YoY; 2023 EPS $3.14 flat","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $3.6M ($1.12/sh) vs $3.3M ($1.01/sh) in Q4 2022.","Full-year net income $10.2M ($3.14/sh) unchanged YoY; net interest income up 4.5% to $39.2M.","Non-interest income Q4 up 28.9% to $2.8M on grant & trust revenue.","Total assets $1.55B (+12.2%); deposits $1.19B (+7.6%); borrowings up 64.6% to $170M.","CECL adoption reduced retained earnings $1.6M; NPAs 0.44% of assets, allowance to loans 1.98%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253893,"accession_number":"0000939057-24-000006","cik":818677,"company_name":"SECURITY FEDERAL CORP","ticker":"SFDL","form_type":"8-K","filed_at":"2024-01-10T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Security Federal removes 70.5 age limit for officers in bylaw amendment","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved deletion of Article V, Section 12 (Age Limitation – Officers) from Bylaws, effective January 4, 2024.","Previously, officers were subject to a 70.5-year age limit; the provision is eliminated entirely.","No fiscal year change or other bylaw amendments reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":114449328.61571641,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}