STIFEL FINANCIAL CORP - SF 5.2 10/15/47 (SFB) Stock Fundamental Analysis
NYSE:SFB • US8606306079
20.46 USD
-0.06 (-0.29%)
Last: Feb 12, 2026, 02:20 PM
Overall SFB gets a fundamental rating of 4 out of 10. We evaluated SFB against 238 industry peers in the Capital Markets industry. There are concerns on the financial health of SFB while its profitability can be described as average. 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 4 of the past 5 years.
1.2 Ratios
- SFB has a worse Return On Assets (1.50%) than 62.60% of its industry peers.
- SFB's Return On Equity of 10.88% is fine compared to the rest of the industry. SFB outperforms 63.87% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 3.47%, SFB is in line with its industry, outperforming 48.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROIC | 3.47% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SFB has a worse Profit Margin (10.12%) than 63.03% of its industry peers.
- In the last couple of years the Profit Margin of SFB has declined.
- With a Operating Margin value of 27.20%, SFB perfoms like the industry average, outperforming 55.04% of the companies in the same industry.
- SFB's Operating Margin has improved in the last couple of years.
- With an excellent Gross Margin value of 98.93%, SFB belongs to the best of the industry, outperforming 98.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% |
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- There is no outstanding debt for SFB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- Based on the Altman-Z score of -0.42, we must say that SFB is in the distress zone and has some risk of bankruptcy.
- SFB's Altman-Z score of -0.42 is on the low side compared to the rest of the industry. SFB is outperformed by 81.93% of its industry peers.
- 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 of 23.74. This is comparable to the rest of the industry: SFB outperforms 55.88% of its industry peers.
- SFB has a Debt/Equity ratio of 5.62. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 5.62, SFB is doing worse than 84.87% of the companies in the same industry.
| 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: 89.08% of the companies in the same industry are doing better.
- SFB has a Quick 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 Quick ratio value of 0.14, SFB is not doing good in the industry: 89.08% of the companies in the same industry are doing better.
| 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 16.42%, which is quite good.
- SFB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.71% yearly.
- The Revenue has been growing slightly by 6.65% in the past year.
- SFB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.70% yearly.
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
- Based on estimates for the next years, SFB will show a small growth in Earnings Per Share. The EPS will grow by 5.88% on average per year.
- Based on estimates for the next years, SFB will show a small growth in Revenue. The Revenue will grow by 4.60% on average per year.
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
Revenue Next Year14.24%
Revenue Next 2Y10.87%
Revenue Next 3Y7.33%
Revenue Next 5Y4.6%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- With a Price/Earnings ratio of 2.58, the valuation of SFB can be described as very cheap.
- Based on the Price/Earnings ratio, SFB is valued cheaply inside the industry as 94.12% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of SFB to the average of the S&P500 Index (28.18), we can say SFB is valued rather cheaply.
- A Price/Forward Earnings ratio of 2.06 indicates a rather cheap valuation of SFB.
- 97.48% of the companies in the same industry are more expensive than SFB, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of SFB to the average of the S&P500 Index (28.01), we can say SFB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.58 | ||
| Fwd PE | 2.06 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SFB is valued cheaply inside the industry as 96.64% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.53 | ||
| EV/EBITDA | -0.24 |
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.
PEG (NY)0.1
PEG (5Y)0.22
EPS Next 2Y17.95%
EPS Next 3Y10.9%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.06%, SFB has a reasonable but not impressive dividend return.
- SFB's Dividend Yield is slightly below the industry average, which is at 6.12.
- Compared to an average S&P500 Dividend Yield of 1.80, SFB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
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 2Y17.95%
EPS Next 3Y10.9%
STIFEL FINANCIAL CORP - SF 5.2 10/15/47
NYSE:SFB (2/12/2026, 2:20:06 PM)
20.46
-0.06 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-21 2026-04-21/bmo
Inst Owners89.38%
Inst Owner ChangeN/A
Ins Owners3.11%
Ins Owner ChangeN/A
Market Cap2.08B
Revenue(TTM)6.35B
Net Income(TTM)626.14M
Analysts78.75
Price Target24.3 (18.77%)
Short Float %0.01%
Short Ratio0.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
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)7.31%
PT rev (3m)-3.03%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)1.72%
EPS NY rev (1m)4.61%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)2.36%
Revenue NY rev (3m)2.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.58 | ||
| Fwd PE | 2.06 | ||
| P/S | 0.34 | ||
| P/FCF | 1.53 | ||
| P/OCF | 1.46 | ||
| P/B | 0.36 | ||
| P/tB | 0.5 | ||
| EV/EBITDA | -0.24 |
EPS(TTM)7.94
EY38.81%
EPS(NY)9.93
Fwd EY48.53%
FCF(TTM)13.39
FCFY65.43%
OCF(TTM)14.03
OCFY68.6%
SpS60.76
BVpS56.53
TBVpS40.89
PEG (NY)0.1
PEG (5Y)0.22
Graham Number100.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.5% | ||
| ROE | 10.88% | ||
| ROCE | 26.18% | ||
| ROIC | 3.47% | ||
| ROICexc | 3.79% | ||
| ROICexgc | 4.12% | ||
| OM | 27.2% | ||
| PM (TTM) | 10.12% | ||
| GM | 98.93% | ||
| FCFM | 22.03% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4%
OM growth 5Y7.22%
PM growth 3Y-9.2%
PM growth 5Y-3.97%
GM growth 3YN/A
GM growth 5YN/A
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)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.42%
EPS 3Y11.29%
EPS 5Y11.71%
EPS Q2Q%17.94%
EPS Next Y25.05%
EPS Next 2Y17.95%
EPS Next 3Y10.9%
EPS Next 5Y5.88%
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 5Y4.6%
EBIT growth 1Y-9.76%
EBIT growth 3Y15.84%
EBIT growth 5Y18.69%
EBIT Next Year28.96%
EBIT Next 3Y17.14%
EBIT Next 5Y12.1%
FCF growth 1Y82513.8%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1913.39%
OCF growth 3YN/A
OCF growth 5YN/A
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 4 / 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%.