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SF
StifelNYSEFinancialsCapital MarketsSnapshot 2026-06-12
Intact
$72.66+1.76%
Close 2026-06-12 · 1-day change
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
The bottom line
Recent financial performance is strong, and management's recent track record has been steady. Earnings quality is neutral, and risk is moderate, while the sector backdrop is a headwind. Peer multiples imply a price about 29% above where it trades (it looks cheap on this basis); the read is cheap, quality intact. The outlook hinges on guidance changes from SF and sector bellwethers like MS, GS, and SCHW. This read is provisional.
as of 2026-06-12
Quick facts
- Exchange
- NYSE
- Sector
- Financials
- Industry
- Capital Markets
- Market cap
- $10.95B
- Employees
- —
- IPO date
- 1994-05-09
- Next earnings
- 2026-07-29
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 7 valuation methods, at three horizons. Current price $72.66. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfair
$98.55consensus
Range $72.18 – $103.41
vs price: -26% below
Method agreement — · 7 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearinexpensive
$103.81consensus
Range $81.49 – $143.52
vs price: -30% below
Method agreement — · 6 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearinexpensive
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Cheap vs peershigh confidence
At $73 SF trades at 13× p/e, below its 18× p/e peer median. Our $98 fair value sits above the price; high confidence. Not investment advice.
Multiple (P/E)
12.9x
peer 18.2x · own history 12.3x
Premium
0.7x peer
1.0x its own history
Growth the price needs
-26%
our forecast 9%
Our fair value
$98.06
range $70.72 – $103.41
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
faircheap — quality intact12-month view
What's priced inJustified
The price implies about 26% below a flat-multiple fair value, below our forecast of about 9%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
strongOperating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
85th pctl · Financials
Earnings quality
neutralOver the trailing year it converted 1.17x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
43rd pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, Fed net liquidity, long-term interest rates, real (inflation-adjusted) rates.
Management & capital allocation
stableEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
Bearish8 analysts, 38% Buyfor period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $1.36 → $1.39 (+1.9% / 30d). 0 raised, 5 cut, 8 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 38% of analysts rate Buy.
Material events
0 positive, 0 negative / 30d.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: by revenue growth.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: neutral
- Capital allocation
- neutral
- Earnings discipline
- neutral
- Margin discipline
- neutral
- Balance sheet
- weak
- Post-call reaction
- neutral
Met or beat guidance 100% of the last 1 guided quarters · 0.0% avg surprise
as of 2026-06-12
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$89.
How much price usually moves either way.
On a bad day, this stock has moved -$267.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $2,159.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-12
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- label change · valuation_labelsmall change
Valuation label changed from 'inexpensive' to 'fair'.
No material changes since the prior snapshot.
as of 2026-06-12
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideHigh confidenceQuartersactive 14d
Watch for Q2 earnings growth dropping below 12%
Why it matters: A drop in earnings growth would signal a slowdown in the financial sector's growth phase.
What confirms / what disproves
Confirms:Q2 earnings growth reported below 12% year over year.
Disproves:Q2 earnings growth reported at or above 12% year over year.
Sector context
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
- 2026-06-102d agoYahoo! Finance
Threatens: Increase revenue by 30%-40% vs 2025-Q1
Loss of talent could hinder revenue growth objectives.
ChallengesUnconfirmed report
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
- Watch for changes in FOMC interest rate policy on June 17
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like MS, GS, and SCHW keep beating earnings and guiding higher, the Financials sector momentum should keep lifting SF and other Financials names. Worth watching these names for early signals.
- If SF raises forward guidance on the next earnings call (currently NEW as of 2026-04-22), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If SF cuts guidance on the next call (currently NEW as of 2026-04-22), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on SF and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like MS, GS, and SCHW start missing or guiding lower, the Financials tailwind helping SF and other Financials names could fade. Watch these names for early warning.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-06-094d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. As described in more detail below under Item 5.07, on June 9, 2026, the shareholders of Stifel Financial Corp. (the “Company”) approved amendments to the Stifel Financial Corp. 2001 Incentive Stock Plan (2018 Restatement) (the “Plan”). The material terms of the Plan are summarized in the Company’s Definitive Proxy Statement on Schedule 14A, filed w…
Executive changeneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
+15 vs last weeklatest as of 2026-06-13
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.