STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) Fundamental Analysis & Valuation

NYSE:SFB • US8606306079

Current stock price

19.518 USD
+0.07 (+0.35%)
Last:

This SFB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SFB Profitability Analysis

1.1 Basic Checks

  • In the past year SFB was profitable.
  • SFB had a positive operating cash flow in the past year.
  • In the past 5 years SFB has always been profitable.
  • SFB had a positive operating cash flow in each of the past 5 years.
SFB Yearly Net Income VS EBIT VS OCF VS FCFSFB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

1.2 Ratios

  • With a Return On Assets value of 1.57%, SFB perfoms like the industry average, outperforming 41.42% of the companies in the same industry.
  • SFB has a better Return On Equity (10.82%) than 64.44% of its industry peers.
  • SFB has a Return On Invested Capital (3.51%) which is in line with its industry peers.
  • SFB had an Average Return On Invested Capital over the past 3 years of 3.68%. This is below the industry average of 7.24%.
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROIC 3.51%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
SFB Yearly ROA, ROE, ROICSFB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SFB has a Profit Margin (10.19%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of SFB has declined.
  • With a Operating Margin value of 26.61%, SFB perfoms like the industry average, outperforming 53.56% of the companies in the same industry.
  • SFB's Operating Margin has improved in the last couple of years.
  • SFB has a Gross Margin of 98.96%. This is amongst the best in the industry. SFB outperforms 99.58% of its industry peers.
  • In the last couple of years the Gross Margin of SFB has remained more or less at the same level.
Industry RankSector Rank
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
SFB Yearly Profit, Operating, Gross MarginsSFB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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2

2. SFB Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for SFB has been reduced compared to 1 year ago.
  • The number of shares outstanding for SFB has been reduced compared to 5 years ago.
  • SFB has a better debt/assets ratio than last year.
SFB Yearly Shares OutstandingSFB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SFB Yearly Total Debt VS Total AssetsSFB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • SFB has an Altman-Z score of -0.41. This is a bad value and indicates that SFB is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of SFB (-0.41) is worse than 82.01% of its industry peers.
  • The Debt to FCF ratio of SFB is 30.21, which is on the high side as it means it would take SFB, 30.21 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of SFB (30.21) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 5.33 is on the high side and indicates that SFB has dependencies on debt financing.
  • SFB has a Debt to Equity ratio of 5.33. This is amonst the worse of the industry: SFB underperforms 86.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Altman-Z -0.41
ROIC/WACCN/A
WACCN/A
SFB Yearly LT Debt VS Equity VS FCFSFB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

2.3 Liquidity

  • SFB has a Current Ratio of 0.12. This is a bad value and indicates that SFB is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of SFB (0.12) is worse than 92.47% of its industry peers.
  • A Quick Ratio of 0.12 indicates that SFB may have some problems paying its short term obligations.
  • The Quick ratio of SFB (0.12) is worse than 92.47% of its industry peers.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
SFB Yearly Current Assets VS Current LiabilitesSFB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SFB Growth Analysis

3.1 Past

  • SFB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.42%, which is quite good.
  • The Earnings Per Share has been growing by 11.71% on average over the past years. This is quite good.
  • Looking at the last year, SFB shows a small growth in Revenue. The Revenue has grown by 6.65% in the last year.
  • Measured over the past years, SFB shows a quite strong growth in Revenue. The Revenue has been growing by 10.70% on average per year.
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%

3.2 Future

  • SFB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.10% yearly.
  • Based on estimates for the next years, SFB will show a small growth in Revenue. The Revenue will grow by 3.90% on average per year.
EPS Next Y24.69%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
EPS Next 5Y5.1%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y3.9%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SFB Yearly Revenue VS EstimatesSFB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2B 4B 6B
SFB Yearly EPS VS EstimatesSFB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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9

4. SFB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 3.69 indicates a rather cheap valuation of SFB.
  • Compared to the rest of the industry, the Price/Earnings ratio of SFB indicates a rather cheap valuation: SFB is cheaper than 91.21% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.21. SFB is valued rather cheaply when compared to this.
  • SFB is valuated cheaply with a Price/Forward Earnings ratio of 2.96.
  • Based on the Price/Forward Earnings ratio, SFB is valued cheaper than 97.49% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.10. SFB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.69
Fwd PE 2.96
SFB Price Earnings VS Forward Price EarningsSFB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SFB is valued cheaply inside the industry as 97.91% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, SFB is valued cheaply inside the industry as 91.21% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.86
EV/EBITDA 0.81
SFB Per share dataSFB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SFB's earnings are expected to grow with 19.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)0.31
EPS Next 2Y18.16%
EPS Next 3Y19.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SFB Dividend Analysis

5.1 Amount

  • SFB has a Yearly Dividend Yield of 1.92%. Purely for dividend investing, there may be better candidates out there.
  • SFB's Dividend Yield is comparable with the industry average which is at 6.90.
  • Compared to an average S&P500 Dividend Yield of 1.89, SFB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.92%

5.2 History

  • On average, the dividend of SFB grows each year by 13.04%, which is quite nice.
  • SFB has been paying a dividend for over 5 years, so it has already some track record.
  • SFB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.04%
Div Incr Years0
Div Non Decr Years5
SFB Yearly Dividends per shareSFB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 37.67% of the earnings are spent on dividend by SFB. This is a low number and sustainable payout ratio.
  • SFB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.67%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
SFB Yearly Income VS Free CF VS DividendSFB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B
SFB Dividend Payout.SFB Dividend Payout, showing the Payout Ratio.SFB Dividend Payout.PayoutRetained Earnings

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SFB Fundamentals: All Metrics, Ratios and Statistics

STIFEL FINANCIAL CORP - SF 5.2 10/15/47

NYSE:SFB (4/7/2026, 9:04:46 PM)

19.518

+0.07 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners88.6%
Inst Owner ChangeN/A
Ins Owners3.28%
Ins Owner ChangeN/A
Market Cap3.02B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price Target26.78 (37.21%)
Short Float %0.01%
Short Ratio1.06
Dividend
Industry RankSector Rank
Dividend Yield 1.92%
Yearly Dividend1.59
Dividend Growth(5Y)13.04%
DP37.67%
Div Incr Years0
Div Non Decr Years5
Ex-Date04-01
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.07%
Min EPS beat(2)0.27%
Max EPS beat(2)1.86%
EPS beat(4)3
Avg EPS beat(4)0.56%
Min EPS beat(4)-2.78%
Max EPS beat(4)2.88%
EPS beat(8)5
Avg EPS beat(8)0.19%
EPS beat(12)6
Avg EPS beat(12)-5.09%
EPS beat(16)6
Avg EPS beat(16)-6.23%
Revenue beat(2)2
Avg Revenue beat(2)2.77%
Min Revenue beat(2)0.75%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)0.48%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.36%
Revenue beat(12)5
Avg Revenue beat(12)-0.67%
Revenue beat(16)6
Avg Revenue beat(16)-0.96%
PT rev (1m)0%
PT rev (3m)18.27%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)-33.74%
EPS NY rev (1m)-0.07%
EPS NY rev (3m)-30.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.36%
Valuation
Industry RankSector Rank
PE 3.69
Fwd PE 2.96
P/S 0.48
P/FCF 2.86
P/OCF 2.7
P/B 0.51
P/tB 0.69
EV/EBITDA 0.81
EPS(TTM)5.29
EY27.1%
EPS(NY)6.6
Fwd EY33.82%
FCF(TTM)6.82
FCFY34.92%
OCF(TTM)7.22
OCFY36.97%
SpS41.01
BVpS38.62
TBVpS28.46
PEG (NY)0.15
PEG (5Y)0.31
Graham Number67.8
Profitability
Industry RankSector Rank
ROA 1.57%
ROE 10.82%
ROCE 25.4%
ROIC 3.51%
ROICexc 3.73%
ROICexgc 4.05%
OM 26.61%
PM (TTM) 10.19%
GM 98.96%
FCFM 16.62%
ROA(3y)1.53%
ROA(5y)1.72%
ROE(3y)10.73%
ROE(5y)11.92%
ROIC(3y)3.68%
ROIC(5y)3.28%
ROICexc(3y)3.98%
ROICexc(5y)3.53%
ROICexgc(3y)4.34%
ROICexgc(5y)3.84%
ROCE(3y)26.29%
ROCE(5y)22.7%
ROICexgc growth 3Y11.99%
ROICexgc growth 5Y6.26%
ROICexc growth 3Y11.91%
ROICexc growth 5Y6.96%
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3Y0.07%
GM growth 5Y0.09%
F-Score7
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 5.33
Debt/FCF 30.21
Debt/EBITDA 17.86
Cap/Depr 65.25%
Cap/Sales 0.98%
Interest Coverage 2.03
Cash Conversion 62.61%
Profit Quality 163.18%
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.41
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)71.63%
Cap/Depr(5y)125.45%
Cap/Sales(3y)1.08%
Cap/Sales(5y)1.79%
Profit Quality(3y)105.13%
Profit Quality(5y)114.82%
High Growth Momentum
Growth
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
EPS Next Y24.69%
EPS Next 2Y18.16%
EPS Next 3Y19.07%
EPS Next 5Y5.1%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y3.9%
EBIT growth 1Y-11.56%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year63.21%
EBIT Next 3Y13.33%
EBIT Next 5Y11.27%
FCF growth 1Y153.2%
FCF growth 3Y-0.63%
FCF growth 5Y-7.86%
OCF growth 1Y127.76%
OCF growth 3Y-1.18%
OCF growth 5Y-7.64%

STIFEL FINANCIAL CORP - SF 5.2 10/15/47 / SFB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SFB.


What is the valuation status for SFB stock?

ChartMill assigns a valuation rating of 9 / 10 to STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB). This can be considered as Undervalued.


Can you provide the profitability details for STIFEL FINANCIAL CORP - SF 5.2 10/15/47?

STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) has a profitability rating of 5 / 10.


How financially healthy is STIFEL FINANCIAL CORP - SF 5.2 10/15/47?

The financial health rating of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) is 2 / 10.


What is the expected EPS growth for STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) stock?

The Earnings per Share (EPS) of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) is expected to grow by 24.69% in the next year.