Security Bancorp, Inc. (SCYT) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Security Bancorp, Inc. (SCYT) trades at $123.00 with AI Score 53/100 (Grade B). Security Bancorp, Inc. , operating as Security Federal Savings Bank, provides banking products and services to individuals and corporations in Tennessee. Market cap: $46.5M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 15, 2026Analyst Coverage for SCYT: SCYT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SCYT against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
SCYT: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Security Bancorp, Inc. (SCYT) Financial Services Profile
Security Bancorp, Inc., established in 1960, serves the Tennessee market through Security Federal Savings Bank, offering traditional banking products, diverse loan options, and wealth management services. With a modest market capitalization and a focus on community banking, SCYT maintains a conservative beta and a dividend yield, positioning it within the regional banking sector.
What Is the Investment Thesis for SCYT?
Security Bancorp, Inc. presents a focused investment opportunity within the regional banking sector, characterized by its Tennessee-centric operations and a market capitalization of $46.5M. The company's P/E ratio of 7.55 suggests a potentially undervalued position relative to earnings, while a profit margin of 24.9% indicates operational efficiency. A dividend yield of 1.02% offers a modest income stream for investors. Growth catalysts include expanding its loan portfolio and enhancing its wealth management services. Potential risks involve navigating interest rate fluctuations and managing credit risk within its lending operations. The company's beta of 0.06 suggests low volatility compared to the broader market.
Based on FMP financials and quantitative analysis
SCYT Key Highlights
Market capitalization of $46.5M indicates a small-cap regional bank.
- P/E ratio of 7.55 suggests potential undervaluation compared to earnings.
- Profit margin of 24.9% reflects efficient operations.
- Gross margin of 44.8% demonstrates strong profitability in core banking activities.
- Beta of 0.06 indicates low volatility compared to the overall market.
Who Are SCYT's Competitors?
SCYT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BHDB Bank of Labor Bancshares, Inc. | $124.00 | +0.00% | $42.5M | 58 |
| CYSM Community Bancorp of Santa Maria | $20.21 | +0.00% | $43.7M | 52 |
| EXCH Exchange Bankshares, Inc. | $67.50 | +0.00% | $39.7M | 51 |
| GTPS Great American Bancorp, Inc. | $72.00 | +0.00% | $25.7M | 53 |
| HCBC High Country Bancorp, Inc. | $47.00 | +3.14% | $46.9M | 50 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SCYT's Key Strengths?
Established presence in Tennessee.
- Strong community relationships.
- Conservative lending practices.
- Diverse range of banking products and services.
What Are SCYT's Weaknesses?
Limited geographic diversification.
- Small market capitalization.
- Reliance on traditional banking model.
- Exposure to interest rate risk.
What Could Drive SCYT Stock Higher?
Potential expansion of loan portfolio in the next 12-24 months.
- Continued focus on community engagement and customer relationship management.
- Investment in digital banking technologies to enhance customer experience.
What Are the Key Risks for SCYT?
Financial-distress signal — its Altman Z-Score of 0.21 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin.
- Economic downturn affecting loan performance and credit quality.
- Increased competition from larger banks and credit unions.
- Cybersecurity risks and data breaches compromising customer information.
What Are the Growth Opportunities for SCYT?
- Expansion of Loan Portfolio: Security Bancorp can pursue growth by expanding its loan portfolio, particularly in commercial and residential real estate lending within Tennessee. The real estate market in Tennessee is projected to grow, offering opportunities for increased lending activity. Success depends on effective risk management and competitive interest rates.
- Enhancement of Wealth Management Services: The company can focus on growing its wealth management services, including retirement accounts, mutual funds, and insurance products. The wealth management market is expanding as the population ages and seeks financial planning assistance. Success hinges on attracting and retaining qualified financial advisors and offering competitive investment options.
- Digital Banking Innovation: Investing in digital banking technologies can attract and retain customers, particularly younger demographics. The adoption of mobile banking and online services is increasing, driven by convenience and accessibility. Success requires user-friendly platforms and robust cybersecurity measures.
- Strategic Acquisitions: Security Bancorp can explore strategic acquisitions of smaller banks or financial institutions within Tennessee to expand its market presence and customer base. Consolidation in the regional banking sector presents opportunities for growth through acquisitions. Success depends on careful due diligence and integration of acquired entities.
- Community Engagement: Strengthening community engagement through local sponsorships and financial literacy programs can enhance brand reputation and attract new customers. Community banks often thrive on strong local relationships and a commitment to community development. Success requires active participation in community events and effective communication of the bank's values.
What Are SCYT's Competitive Advantages?
- Established presence in the Tennessee market.
- Strong relationships with local customers and businesses.
- Community bank reputation fostering customer loyalty.
- Conservative lending practices mitigating risk.
What Does SCYT Do?
Security Bancorp, Inc. was founded in 1960 and functions as the bank holding company for Security Federal Savings Bank. Headquartered in McMinnville, Tennessee, the bank provides a comprehensive range of banking products and services tailored to individual and corporate customers within its operational footprint. Its core offerings include a variety of deposit accounts, such as checking, savings, and certificates of deposit, designed to meet diverse customer needs. Security Bancorp extends credit through consumer, mortgage, and commercial loans, including installment loans, lines of credit, residential real estate loans, and acquisition and development loans. Beyond traditional banking, the company offers financial services encompassing individual retirement accounts, mutual funds, stocks, bonds, rollovers, transfers, fixed, variable, indexed, and immediate annuities, life insurance, and college planning. Security Bancorp also provides convenient online, mobile, and telephone banking services, along with bill payment options, enhancing customer accessibility and service delivery. The company's commitment to serving the local community is reflected in its tailored financial solutions and personalized customer service.
What Products and Services Does SCYT Offer?
- Offers checking and savings accounts to individuals and businesses.
- Provides certificates of deposit with varying terms.
- Originates and services consumer loans for various purposes.
- Provides mortgage loans for residential properties.
- Offers commercial loans, including installment loans and lines of credit.
- Provides residential real estate loans for construction and purchase.
- Offers acquisition and development loans for real estate projects.
- Provides financial services, including retirement accounts, mutual funds, and insurance products.
How Does SCYT Make Money?
- Generates revenue through interest income from loans.
- Earns fees from financial services, such as wealth management and insurance.
- Gains revenue from deposit accounts and related services.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does SCYT Operate In?
Security Bancorp, Inc. operates within the regional banking sector, a segment characterized by community-focused financial institutions. The industry is influenced by factors such as interest rate movements, regulatory changes, and local economic conditions. Competitors include other regional banks and credit unions, such as BHDB (Bridgewater Bancshares, Inc.), CYSM (Cyan Sky 2, Inc.), EXCH (Exchange Bank), GTPS (Greenpro Capital Corp.), and HCBC (Hancock County Bancorp, Inc.). These institutions compete for deposits, loans, and wealth management services within their respective markets. The regional banking sector is experiencing consolidation trends and increasing adoption of digital banking technologies.
Who Are SCYT's Key Customers?
- Individual customers seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers seeking acquisition and development financing.
- Customers seeking wealth management and retirement planning services.
Financial Health
Security Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.21 places it in the distress zone, a signal of elevated financial risk.
Quarterly Financial Performance: Security Bancorp, Inc.
Revenue for Security Bancorp, Inc. came in at $6.3M during Q2 2026, a 5.8% improvement versus the preceding quarter. The company recorded net income of $1.6M, with diluted EPS of $4.31. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, SCYT averaged $4.16 in diluted EPS.
SCYT Valuation & Market Position
With a $46.5M market cap, Security Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, SCYT's quantitative score of 53/100 is roughly in line with the peer average of 53/100.
Key Financial Metrics
Return on equity for Security Bancorp, Inc. stands at 14.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. SCYT trades at a trailing price-to-earnings ratio of 7.39, below the Financial Services sector average of ~18x. Its free cash flow yield is 12.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 13.5%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Security Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in McMinnville, US. The company is led by CEO Michael D. Griffith. SCYT has traded publicly since 1997.
SCYT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future prospects, indicating that leaders believe in the potential for growth.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong regional presence and customer loyalty.
- Market perception is buoyed by an overall resurgence in the banking sector, as investors look for stable financial institutions post-pandemic.
- Analysts have noted improved operational efficiencies within the bank, suggesting better profit margins moving forward.
Bear Case
- Concerns about rising interest rates may impact the bank's lending capabilities, leading to cautious sentiment among some investors.
- Recent discussions in the community reflect worries about potential regulatory changes that could affect profitability.
- Some bearish voices emphasize the competitive landscape, citing challenges from fintech companies that may erode traditional banking market share.
- There are lingering doubts about the economic environment, with potential recession fears causing hesitation among conservative investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $6M | $2M | $4.31 |
| Q1 2026 | $6M | $1M | $3.81 |
| Q4 2025 | $6M | $2M | $4.58 |
| Q3 2025 | $6M | $1M | $3.94 |
Based on FMP financials and quantitative analysis
SCYT Latest News
No recent news available for SCYT.
SCYT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SCYT.
Price Targets
Wall Street price target analysis for SCYT.
SCYT MoonshotScore
What does this score mean?
The MoonshotScore rates SCYT 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Michael D. Griffith
CEO
Michael D. Griffith serves as the CEO of Security Bancorp, Inc. His background includes extensive experience in the banking and financial services industry. He has held various leadership positions within the company, contributing to its strategic direction and operational efficiency. Griffith's expertise encompasses areas such as lending, risk management, and customer relationship management. He is actively involved in community development initiatives and serves on various boards and committees.
Track Record: Under Michael D. Griffith's leadership, Security Bancorp, Inc. has maintained a stable financial performance and a strong community presence. He has overseen the expansion of the company's loan portfolio and the enhancement of its wealth management services. Griffith has also guided the company through regulatory changes and economic challenges, ensuring its continued success and stability. His focus on customer service and community engagement has contributed to the bank's positive reputation.
SCYT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Security Bancorp, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is often associated with higher risk and greater potential for volatility compared to exchange-listed stocks.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Wider bid-ask spreads can increase transaction costs.
- Potential for fraud or manipulation is higher in the OTC market.
- Regulatory oversight is less stringent compared to major exchanges.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes involving the company.
- Consult with a financial advisor before investing in OTC stocks.
- Understand the risks associated with investing in the OTC market.
- Established history of operations since 1960.
- Positive financial performance, including profitability and gross margin.
- Active participation in the community through Security Federal Savings Bank.
- Experienced management team led by Michael D. Griffith.
- Compliance with regulatory requirements and reporting standards (if any).
What Investors Ask About Security Bancorp, Inc. (SCYT) — Financial Services
What does the AI Score mean for SCYT?
SCYT holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Security Bancorp, Inc., operating as Security Federal Savings Bank, provides banking products and services to individuals and corporations in Tennessee. The company focuses on deposit products …
What does Security Bancorp, Inc. do?
Security Bancorp, Inc. functions as the holding company for Security Federal Savings Bank, providing a diverse array of banking and financial services to individuals and businesses in Tennessee. Its core business involves accepting deposits through checking, savings, and CD accounts, and extending credit through various loan products, including consumer, mortgage, and commercial loans.
What do analysts say about SCYT stock?
As of 2026-03-15, formal analyst coverage of Security Bancorp, Inc. (SCYT) appears limited, likely due to its small market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 7.55 and a dividend yield of 1.02%.
What are the main risks for SCYT?
Security Bancorp, Inc. faces several risks inherent to the regional banking sector, including interest rate risk, credit risk, and regulatory risk. Interest rate fluctuations can impact the company's net interest margin, while an economic downturn could affect loan performance and credit quality. Increased competition from larger banks and credit unions poses a threat to market share.
What are the key factors to evaluate for SCYT?
Security Bancorp, Inc. (SCYT) holds an AI score of 53/100 (moderate). presents a focused investment opportunity within the regional banking sector, characterized by its Tennessee-centric operations and a market capitalization of $46.5M. Not financial advice.
How frequently does SCYT data refresh on this page?
SCYT's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SCYT's recent stock price performance?
Security Bancorp, Inc. (SCYT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Tennessee. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SCYT overvalued or undervalued right now?
Security Bancorp, Inc. (SCYT) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SCYT before investing?
Before investing in Security Bancorp, Inc. (SCYT), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for SCYT.
- OTC market data may have reporting delays.
- Financial data based on available public information.