STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SFB - US8606306079
20.66 USD
-0.06 (-0.29%)
Overall SFB gets a fundamental rating of 5 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
- SFB had positive earnings in the past year.
- In the past year SFB had a positive cash flow from operations.
- SFB had positive earnings in each of the past 5 years.
- SFB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- SFB has a Return On Assets (1.50%) which is comparable to the rest of the industry.
- The Return On Equity of SFB (10.88%) is better than 63.40% of its industry peers.
- SFB's Return On Invested Capital of 3.37% is in line compared to the rest of the industry. SFB outperforms 48.51% of its industry peers.
- SFB had an Average Return On Invested Capital over the past 3 years of 3.24%. This is below the industry average of 7.16%.
- The 3 year average ROIC (3.24%) for SFB is below the current ROIC(3.37%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROIC | 3.37% |
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's Profit Margin of 10.12% is in line compared to the rest of the industry. SFB outperforms 40.85% of its industry peers.
- In the last couple of years the Profit Margin of SFB has remained more or less at the same level.
- SFB has a Operating Margin (27.20%) which is in line with its industry peers.
- In the last couple of years the Operating Margin of SFB has grown nicely.
- SFB's Gross Margin of 98.93% is amongst the best of the industry. SFB outperforms 98.72% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% |
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
- SFB has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SFB has more shares outstanding
- Compared to 1 year ago, SFB has an improved debt to assets ratio.
2.2 Solvency
- SFB has an Altman-Z score of -0.42. This is a bad value and indicates that SFB is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -0.42, SFB is doing worse than 77.87% of the companies in the same industry.
- The Debt to FCF ratio of SFB is 23.74, which is on the high side as it means it would take SFB, 23.74 years of fcf income to pay off all of its debts.
- SFB has a Debt to FCF ratio (23.74) which is in line with its industry peers.
- SFB has a Debt/Equity ratio of 5.62. This is a high value indicating a heavy dependency on external financing.
- SFB has a worse Debt to Equity ratio (5.62) than 84.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Altman-Z | -0.42 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- SFB has a Current Ratio of 0.14. This is a bad value and indicates that SFB is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a Current ratio value of 0.14, SFB is not doing good in the industry: 89.79% of the companies in the same industry are doing better.
- A Quick Ratio of 0.14 indicates that SFB may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.14, SFB is doing worse than 89.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 |
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.
- Measured over the past years, SFB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.86% on average per year.
- The Revenue has been growing slightly by 7.63% in the past 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
- SFB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.42% yearly.
- The Revenue is expected to grow by 5.95% on average over the next years.
EPS Next Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
Revenue Next 5Y5.95%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 2.74, which indicates a rather cheap valuation of SFB.
- 96.60% of the companies in the same industry are more expensive than SFB, based on the Price/Earnings ratio.
- SFB is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 2.18, which indicates a rather cheap valuation of SFB.
- Based on the Price/Forward Earnings ratio, SFB is valued cheaper than 97.45% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, SFB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.74 | ||
| Fwd PE | 2.18 |
4.2 Price Multiples
- 96.17% of the companies in the same industry are more expensive than SFB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.54 | ||
| EV/EBITDA | -0.23 |
4.3 Compensation for Growth
- SFB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- SFB has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as SFB's earnings are expected to grow with 16.60% in the coming years.
PEG (NY)0.18
PEG (5Y)0.25
EPS Next 2Y17.98%
EPS Next 3Y16.6%
5. Dividend
5.1 Amount
- SFB has a Yearly Dividend Yield of 1.41%.
- Compared to an average industry Dividend Yield of 6.15, SFB is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.89, SFB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
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
- 38.60% of the earnings are spent on dividend by SFB. This is a low number and sustainable payout ratio.
- The dividend of SFB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.6%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
STIFEL FINANCIAL CORP - SF 5.2 10/15/47
NYSE:SFB (1/16/2026, 8:04:00 PM)
20.66
-0.06 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-22 2025-10-22/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners89.38%
Inst Owner ChangeN/A
Ins Owners3.11%
Ins Owner ChangeN/A
Market Cap2.10B
Revenue(TTM)6.19B
Net Income(TTM)626.14M
Analysts78.75
Price Target22.64 (9.58%)
Short Float %0%
Short Ratio0.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.41% |
Yearly Dividend2.24
Dividend Growth(5Y)26.83%
DP38.6%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.58%
Min EPS beat(2)0.27%
Max EPS beat(2)2.88%
EPS beat(4)3
Avg EPS beat(4)2.35%
Min EPS beat(4)-2.78%
Max EPS beat(4)9.03%
EPS beat(8)5
Avg EPS beat(8)1.34%
EPS beat(12)5
Avg EPS beat(12)-5.77%
EPS beat(16)6
Avg EPS beat(16)-5.45%
Revenue beat(2)2
Avg Revenue beat(2)2.84%
Min Revenue beat(2)0.89%
Max Revenue beat(2)4.79%
Revenue beat(4)3
Avg Revenue beat(4)1%
Min Revenue beat(4)-4.53%
Max Revenue beat(4)4.79%
Revenue beat(8)4
Avg Revenue beat(8)0.71%
Revenue beat(12)5
Avg Revenue beat(12)-0.25%
Revenue beat(16)6
Avg Revenue beat(16)-0.72%
PT rev (1m)0.87%
PT rev (3m)-4.77%
EPS NQ rev (1m)1.43%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)0.65%
Revenue NQ rev (3m)3.49%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.74 | ||
| Fwd PE | 2.18 | ||
| P/S | 0.34 | ||
| P/FCF | 1.54 | ||
| P/OCF | 1.47 | ||
| P/B | 0.37 | ||
| P/tB | 0.51 | ||
| EV/EBITDA | -0.23 |
EPS(TTM)7.54
EY36.5%
EPS(NY)9.49
Fwd EY45.94%
FCF(TTM)13.39
FCFY64.79%
OCF(TTM)14.03
OCFY67.93%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)0.18
PEG (5Y)0.25
Graham Number97.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROCE | 26.18% | ||
| ROIC | 3.37% | ||
| ROICexc | 3.68% | ||
| ROICexgc | 4% | ||
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% | ||
| FCFM | 22.03% |
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-Score8
Asset Turnover0.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.62 | ||
| Debt/FCF | 23.74 | ||
| Debt/EBITDA | 18.32 | ||
| Cap/Depr | 79.44% | ||
| Cap/Sales | 1.07% | ||
| Interest Coverage | 1.93 | ||
| Cash Conversion | 80.91% | ||
| Profit Quality | 217.7% | ||
| Current Ratio | 0.14 | ||
| Quick Ratio | 0.14 | ||
| Altman-Z | -0.42 |
F-Score8
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 Y15.65%
EPS Next 2Y17.98%
EPS Next 3Y16.6%
EPS Next 5Y7.42%
Revenue 1Y (TTM)7.63%
Revenue growth 3Y7.56%
Revenue growth 5Y11.11%
Sales Q2Q%16.72%
Revenue Next Year11.42%
Revenue Next 2Y11.58%
Revenue Next 3Y10.47%
Revenue Next 5Y5.95%
EBIT growth 1Y-9.76%
EBIT growth 3Y19.72%
EBIT growth 5Y19.71%
EBIT Next Year-26.45%
EBIT Next 3Y-0.28%
EBIT Next 5Y2%
FCF growth 1Y35.58%
FCF growth 3Y-15.23%
FCF growth 5Y-2.34%
OCF growth 1Y32.11%
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 5 / 10 to SFB.
What is the valuation status for SFB stock?
ChartMill assigns a valuation rating of 8 / 10 to STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB). This can be considered as Undervalued.
What is the profitability of SFB stock?
STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) has a profitability rating of 6 / 10.
Can you provide the financial health for SFB stock?
The financial health rating of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) is 1 / 10.
Can you provide the dividend sustainability for SFB stock?
The dividend rating of STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) is 4 / 10 and the dividend payout ratio is 38.6%.