STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) Stock Fundamental Analysis
USA - NYSE:SFB - US8606306079
21.65 USD
-0.29 (-1.32%)
Overall SFB gets a fundamental rating of 4 out of 10. We evaluated SFB against 235 industry peers in the Capital Markets industry. While SFB is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on SFB.
1. Profitability
1.1 Basic Checks
In the past year SFB was profitable.
SFB had a positive operating cash flow in the past year.
Each year in the past 5 years SFB has been profitable.
Each year in the past 5 years SFB had a positive operating cash flow.
1.2 Ratios
SFB's Return On Assets of 1.44% is on the low side compared to the rest of the industry. SFB is outperformed by 60.85% of its industry peers.
SFB has a Return On Equity of 10.24%. This is comparable to the rest of the industry: SFB outperforms 57.87% of its industry peers.
SFB has a Return On Invested Capital (3.47%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for SFB is below the industry average of 7.61%.
The 3 year average ROIC (3.24%) for SFB is below the current ROIC(3.47%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 10.24% | ||
| ROIC | 3.47% |
ROA(3y)1.57%
ROA(5y)1.76%
ROE(3y)11.03%
ROE(5y)12%
ROIC(3y)3.24%
ROIC(5y)2.97%
1.3 Margins
SFB has a Profit Margin of 9.51%. This is in the lower half of the industry: SFB underperforms 60.43% of its industry peers.
In the last couple of years the Profit Margin of SFB has remained more or less at the same level.
With a Operating Margin value of 27.53%, SFB perfoms like the industry average, outperforming 54.47% of the companies in the same industry.
In the last couple of years the Operating Margin of SFB has grown nicely.
SFB has a better Gross Margin (98.89%) than 98.72% of its industry peers.
SFB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.53% | ||
| PM (TTM) | 9.51% | ||
| GM | 98.89% |
OM growth 3Y11.3%
OM growth 5Y7.74%
PM growth 3Y-10.93%
PM growth 5Y-1%
GM growth 3Y0.06%
GM growth 5Y0.04%
2. Health
2.1 Basic Checks
Compared to 1 year ago, SFB has more shares outstanding
Compared to 5 years ago, SFB has more shares outstanding
SFB has a better debt/assets ratio than last year.
2.2 Solvency
SFB has an Altman-Z score of -0.45. This is a bad value and indicates that SFB is not financially healthy and even has some risk of bankruptcy.
SFB has a worse Altman-Z score (-0.45) than 80.43% of its industry peers.
SFB has a debt to FCF ratio of 25.16. This is a negative value and a sign of low solvency as SFB would need 25.16 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 25.16, SFB is in line with its industry, outperforming 50.64% of the companies in the same industry.
SFB has a Debt/Equity ratio of 5.52. This is a high value indicating a heavy dependency on external financing.
SFB has a Debt to Equity ratio of 5.52. This is amonst the worse of the industry: SFB underperforms 86.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.52 | ||
| Debt/FCF | 25.16 | ||
| Altman-Z | -0.45 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.10 indicates that SFB may have some problems paying its short term obligations.
With a Current ratio value of 0.10, SFB is not doing good in the industry: 91.06% of the companies in the same industry are doing better.
SFB has a Quick Ratio of 0.10. This is a bad value and indicates that SFB is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.10, SFB is doing worse than 91.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 |
3. Growth
3.1 Past
SFB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.81%, which is quite impressive.
SFB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.86% yearly.
Looking at the last year, SFB shows a small growth in Revenue. The Revenue has grown by 7.63% in the last year.
SFB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.11% yearly.
EPS 1Y (TTM)23.81%
EPS 3Y-1.24%
EPS 5Y10.86%
EPS Q2Q%30%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
3.2 Future
Based on estimates for the next years, SFB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.15% on average per year.
Based on estimates for the next years, SFB will show a small growth in Revenue. The Revenue will grow by 4.89% on average per year.
EPS Next Y15.17%
EPS Next 2Y19.26%
EPS Next 3Y17.15%
EPS Next 5Y8.15%
Revenue Next Year8.74%
Revenue Next 2Y10.14%
Revenue Next 3Y9.55%
Revenue Next 5Y4.89%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
SFB is valuated cheaply with a Price/Earnings ratio of 2.87.
SFB's Price/Earnings ratio is rather cheap when compared to the industry. SFB is cheaper than 96.60% of the companies in the same industry.
When comparing the Price/Earnings ratio of SFB to the average of the S&P500 Index (26.10), we can say SFB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 2.23, the valuation of SFB can be described as very cheap.
Based on the Price/Forward Earnings ratio, SFB is valued cheaper than 97.02% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, SFB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.87 | ||
| Fwd PE | 2.23 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SFB indicates a rather cheap valuation: SFB is cheaper than 98.72% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, SFB is valued cheaper than 93.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.8 | ||
| EV/EBITDA | 0.59 |
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 17.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)0.26
EPS Next 2Y19.26%
EPS Next 3Y17.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.29%, SFB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.36, SFB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.37, SFB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.29% |
5.2 History
The dividend of SFB is nicely growing with an annual growth rate of 26.83%!
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 last 3 years.
Dividend Growth(5Y)26.83%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
SFB pays out 42.13% of its income as dividend. This is a bit on the high side, but may be sustainable.
SFB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP42.13%
EPS Next 2Y19.26%
EPS Next 3Y17.15%
STIFEL FINANCIAL CORP - SF 5.2 10/15/47
NYSE:SFB (10/31/2025, 8:13:29 PM)
21.65
-0.29 (-1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners89.51%
Inst Owner ChangeN/A
Ins Owners3.15%
Ins Owner ChangeN/A
Market Cap2.21B
Revenue(TTM)6.19B
Net Income(TTM)573.28M
Analysts78.75
Price Target25.05 (15.7%)
Short Float %0.01%
Short Ratio0.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.29% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP42.13%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.05%
Min EPS beat(2)-2.78%
Max EPS beat(2)2.88%
EPS beat(4)2
Avg EPS beat(4)0%
Min EPS beat(4)-9.13%
Max EPS beat(4)9.03%
EPS beat(8)4
Avg EPS beat(8)-5.53%
EPS beat(12)4
Avg EPS beat(12)-6.94%
EPS beat(16)6
Avg EPS beat(16)-4.95%
Revenue beat(2)1
Avg Revenue beat(2)-1.82%
Min Revenue beat(2)-4.53%
Max Revenue beat(2)0.89%
Revenue beat(4)2
Avg Revenue beat(4)-0.41%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)2.84%
Revenue beat(8)3
Avg Revenue beat(8)-0.58%
Revenue beat(12)4
Avg Revenue beat(12)-0.71%
Revenue beat(16)6
Avg Revenue beat(16)-0.9%
PT rev (1m)3.27%
PT rev (3m)8.98%
EPS NQ rev (1m)2.63%
EPS NQ rev (3m)-0.3%
EPS NY rev (1m)-0.56%
EPS NY rev (3m)2.29%
Revenue NQ rev (1m)-0.44%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.87 | ||
| Fwd PE | 2.23 | ||
| P/S | 0.37 | ||
| P/FCF | 1.8 | ||
| P/OCF | 1.72 | ||
| P/B | 0.4 | ||
| P/tB | 0.55 | ||
| EV/EBITDA | 0.59 |
EPS(TTM)7.54
EY34.83%
EPS(NY)9.7
Fwd EY44.8%
FCF(TTM)12.02
FCFY55.5%
OCF(TTM)12.62
OCFY58.28%
SpS59.01
BVpS54.78
TBVpS39.18
PEG (NY)0.19
PEG (5Y)0.26
Graham Number96.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.44% | ||
| ROE | 10.24% | ||
| ROCE | 26.45% | ||
| ROIC | 3.47% | ||
| ROICexc | 3.66% | ||
| ROICexgc | 3.99% | ||
| OM | 27.53% | ||
| PM (TTM) | 9.51% | ||
| GM | 98.89% | ||
| FCFM | 20.36% |
ROA(3y)1.57%
ROA(5y)1.76%
ROE(3y)11.03%
ROE(5y)12%
ROIC(3y)3.24%
ROIC(5y)2.97%
ROICexc(3y)3.52%
ROICexc(5y)3.22%
ROICexgc(3y)3.83%
ROICexgc(5y)3.53%
ROCE(3y)23.39%
ROCE(5y)18.24%
ROICexgc growth 3Y13.05%
ROICexgc growth 5Y6.85%
ROICexc growth 3Y13.05%
ROICexc growth 5Y7.88%
OM growth 3Y11.3%
OM growth 5Y7.74%
PM growth 3Y-10.93%
PM growth 5Y-1%
GM growth 3Y0.06%
GM growth 5Y0.04%
F-Score7
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.52 | ||
| Debt/FCF | 25.16 | ||
| Debt/EBITDA | 17.72 | ||
| Cap/Depr | 74.25% | ||
| Cap/Sales | 1.02% | ||
| Interest Coverage | 1.82 | ||
| Cash Conversion | 73.97% | ||
| Profit Quality | 214.14% | ||
| Current Ratio | 0.1 | ||
| Quick Ratio | 0.1 | ||
| Altman-Z | -0.45 |
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)88.97%
Cap/Depr(5y)136.67%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.98%
Profit Quality(3y)108.09%
Profit Quality(5y)148.9%
High Growth Momentum
Growth
EPS 1Y (TTM)23.81%
EPS 3Y-1.24%
EPS 5Y10.86%
EPS Q2Q%30%
EPS Next Y15.17%
EPS Next 2Y19.26%
EPS Next 3Y17.15%
EPS Next 5Y8.15%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year8.74%
Revenue Next 2Y10.14%
Revenue Next 3Y9.55%
Revenue Next 5Y4.89%
EBIT growth 1Y-3.9%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-12.57%
EBIT Next 3Y1.63%
EBIT Next 5Y2.66%
FCF growth 1Y-6.12%
FCF growth 3Y-15.23%
FCF growth 5Y-2.34%
OCF growth 1Y-7.25%
OCF growth 3Y-17.46%
OCF growth 5Y-4.79%
STIFEL FINANCIAL CORP - SF 5.2 10/15/47 / SFB 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 4 / 10 to SFB.
Can you provide the valuation status for STIFEL FINANCIAL CORP - SF 5.2 10/15/47?
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.
How profitable is STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) stock?
STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) has a profitability rating of 5 / 10.
What is the valuation of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 based on its PE and PB ratios?
The Price/Earnings (PE) ratio for STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) is 2.87 and the Price/Book (PB) ratio is 0.4.
What is the earnings growth outlook for STIFEL FINANCIAL CORP - SF 5.2 10/15/47?
The Earnings per Share (EPS) of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) is expected to grow by 15.17% in the next year.