---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-002479"
form_type: "8-K"
ticker: "SFDL"
cik: "0000818677"
company_name: "SECURITY FEDERAL CORP"
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T06:11:57.215949+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Security Federal Q4 EPS $1.24 vs $0.94; full-year $3.80 vs $2.77

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-26-002479
- form_type: 8-K
- ticker: SFDL
- cik: 0000818677
- company_name: SECURITY FEDERAL CORP
- filed_at: 2026-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/818677/000143774926002479/0001437749-26-002479-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/818677/000143774926002479/sfdl20260129_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-002479
- JSON: https://secwatch.observer/filing/0001437749-26-002479.json
- Plain text: https://secwatch.observer/filing/0001437749-26-002479.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.