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

NYSE:SFB • US8606306079

20.28 USD
-0.01 (-0.05%)
Last: Mar 9, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Taking everything into account, SFB scores 4 out of 10 in our fundamental rating. SFB was compared to 242 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. SFB is cheap, but on the other hand it scores bad on growth. Finally SFB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. SFB Profitability Analysis

1.1 Basic Checks

  • In the past year SFB was profitable.
  • In the past year SFB had a positive cash flow from operations.
  • In the past 5 years SFB has always been profitable.
  • In the past 5 years SFB always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 1.57%, SFB is doing worse than 60.33% of the companies in the same industry.
  • SFB has a better Return On Equity (10.82%) than 63.64% of its industry peers.
  • SFB has a Return On Invested Capital (3.51%) which is comparable to the rest of the industry.
  • SFB had an Average Return On Invested Capital over the past 3 years of 3.68%. This is below the industry average of 7.04%.
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

  • The Profit Margin of SFB (10.19%) is worse than 60.74% of its industry peers.
  • SFB's Profit Margin has declined in the last couple of years.
  • The Operating Margin of SFB (26.61%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of SFB has grown nicely.
  • SFB's Gross Margin of 98.96% is amongst the best of the industry. SFB outperforms 99.59% of its industry peers.
  • SFB's Gross Margin has been stable in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. SFB Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, SFB has less shares outstanding
  • Compared to 5 years ago, SFB has more shares outstanding
  • 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

  • Based on the Altman-Z score of -0.41, we must say that SFB is in the distress zone and has some risk of bankruptcy.
  • SFB's Altman-Z score of -0.41 is on the low side compared to the rest of the industry. SFB is outperformed by 82.64% of its industry peers.
  • SFB has a debt to FCF ratio of 30.21. This is a negative value and a sign of low solvency as SFB would need 30.21 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 30.21, SFB is in line with its industry, outperforming 53.72% of the companies in the same industry.
  • SFB has a Debt/Equity ratio of 5.33. This is a high value indicating a heavy dependency on external financing.
  • SFB's Debt to Equity ratio of 5.33 is on the low side compared to the rest of the industry. SFB is outperformed by 85.54% 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

  • A Current Ratio of 0.12 indicates that SFB may have some problems paying its short term obligations.
  • SFB's Current ratio of 0.12 is on the low side compared to the rest of the industry. SFB is outperformed by 90.91% of its industry peers.
  • SFB has a Quick 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.
  • Looking at the Quick ratio, with a value of 0.12, SFB is doing worse than 90.91% of the companies in the same industry.
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

3

3. SFB Growth Analysis

3.1 Past

  • The earnings per share for SFB have decreased by -5.96% in the last year.
  • The Earnings Per Share has been growing slightly by 7.04% on average over the past years.
  • 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)-5.96%
EPS 3Y3.65%
EPS 5Y7.04%
EPS Q2Q%-21.38%
Revenue 1Y (TTM)6.65%
Revenue growth 3Y11.39%
Revenue growth 5Y10.7%
Sales Q2Q%14.35%

3.2 Future

  • Based on estimates for the next years, SFB will show a small growth in Earnings Per Share. The EPS will grow by 1.14% on average per year.
  • The Revenue is expected to grow by 3.90% on average over the next years.
EPS Next Y2.98%
EPS Next 2Y7.37%
EPS Next 3Y11.73%
EPS Next 5Y1.14%
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.
  • 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.
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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8

4. SFB Valuation Analysis

4.1 Price/Earnings Ratio

  • SFB is valuated cheaply with a Price/Earnings ratio of 3.16.
  • 93.80% of the companies in the same industry are more expensive than SFB, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.46, SFB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 3.07, which indicates a rather cheap valuation of SFB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SFB indicates a rather cheap valuation: SFB is cheaper than 97.52% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.65, SFB is valued rather cheaply.
Industry RankSector Rank
PE 3.16
Fwd PE 3.07
SFB Price Earnings VS Forward Price EarningsSFB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SFB is valued cheaply inside the industry as 97.93% of the companies are valued more expensively.
  • SFB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SFB is cheaper than 91.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.98
EV/EBITDA 0.87
SFB Per share dataSFB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • SFB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)0.45
EPS Next 2Y7.37%
EPS Next 3Y11.73%

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

7

5. SFB Dividend Analysis

5.1 Amount

  • SFB has a Yearly Dividend Yield of 6.36%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.64, SFB pays a bit more dividend than its industry peers.
  • SFB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.36%

5.2 History

  • The dividend of SFB is nicely growing with an annual growth rate of 13.04%!
  • 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)13.04%
Div Incr Years0
Div Non Decr Years4
SFB Yearly Dividends per shareSFB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SFB pays out 37.67% of its income as dividend. This is a sustainable payout ratio.
  • SFB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.67%
EPS Next 2Y7.37%
EPS Next 3Y11.73%
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 (3/9/2026, 8:04:00 PM)

20.28

-0.01 (-0.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28
Earnings (Next)04-21
Inst Owners88.6%
Inst Owner ChangeN/A
Ins Owners3.28%
Ins Owner ChangeN/A
Market Cap3.14B
Revenue(TTM)6.35B
Net Income(TTM)646.50M
Analysts77.5
Price Target26.78 (32.05%)
Short Float %0.01%
Short Ratio0.39
Dividend
Industry RankSector Rank
Dividend Yield 6.36%
Yearly Dividend1.59
Dividend Growth(5Y)13.04%
DP37.67%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)10.22%
PT rev (3m)19.3%
EPS NQ rev (1m)-32.56%
EPS NQ rev (3m)-34.06%
EPS NY rev (1m)-33.48%
EPS NY rev (3m)-29.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.23%
Valuation
Industry RankSector Rank
PE 3.16
Fwd PE 3.07
P/S 0.49
P/FCF 2.98
P/OCF 2.81
P/B 0.53
P/tB 0.71
EV/EBITDA 0.87
EPS(TTM)6.41
EY31.61%
EPS(NY)6.6
Fwd EY32.57%
FCF(TTM)6.82
FCFY33.61%
OCF(TTM)7.22
OCFY35.58%
SpS41.01
BVpS38.62
TBVpS28.46
PEG (NY)1.06
PEG (5Y)0.45
Graham Number74.63
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)-5.96%
EPS 3Y3.65%
EPS 5Y7.04%
EPS Q2Q%-21.38%
EPS Next Y2.98%
EPS Next 2Y7.37%
EPS Next 3Y11.73%
EPS Next 5Y1.14%
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 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.


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 5 / 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 7 / 10 and the dividend payout ratio is 37.67%.