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Stifel Financial Corp.

Stifel Financial Corp.

NYSE•SF
CEO: Mr. Ronald James Kruszewski
Sector: Financial Services
Industry: Financial - Capital Markets
Listing Date: 1983-07-19
Stifel Financial Corp., a financial services and bank holding company, provides retail and institutional wealth management, and investment banking services to individual investors, corporations, municipalities, and institutions in the United States and internationally. It operates in three segments: Global Wealth Management, Institutional Group, and Other. The company provides private client services, including securities transaction and financial planning services; institutional equity and fixed income sales, trading and research, and municipal finance services; investment banking services, such as mergers and acquisitions, public offerings, and private placements; and retail and commercial banking services comprising personal and commercial lending programs, as well as deposit accounts. It participates in and manages underwritings for corporate and public finance; and offers financial advisory and securities brokerage services. The company was founded in 1890 and is headquartered in Saint Louis, Missouri.
Contact Information
One Financial Plaza, 501 North Broadway, Saint Louis, MO, 63102-2188, United States
314-342-2000
www.stifel.com
Market Cap
$12.41B
P/E (TTM)
0.1
19.7
Dividend Yield
1.5%
52W High
$123.52
52W Low
$73.27
52W Range
97%
3.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$1.63B+10.74%
4-Quarter Trend

EPS

$1.96+37.06%
4-Quarter Trend

FCF

-$338.45M+302.44%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Net Revenue Growth Nine-month net revenues rose 10.1% to $3.97B, fueled by 15.1% growth in Investment Banking and 10.1% in Asset Management revenues.
Net Income Declines Net income available to common shareholders fell 14.8% YTD to $391.5M, impacted by higher compensation and significant legal provisions.
Stifel Bancorp NIM Up Stifel Bancorp's Net Interest Margin improved slightly to 3.19% for nine months, benefiting from asset growth despite lower interest rates.
Total Assets Expanded Total assets reached $41.7B, up 4.5% from year-end 2024, supported by growth in the held-for-investment loan portfolio to $21.04B.

Risk Factors

Credit Loss Provisions Spike Nine-month provision for credit losses increased 112.2% to $28.7M, driven by overall loan growth and specific reserves on individual credits.
Material Legal Exposure Management estimates the upper end of reasonably possible aggregate loss for pending legal matters is approximately $100.0M above existing reserves.
Interest Revenue Pressure Nine-month interest revenue decreased 5.4% to $1.4B due to lower average interest rates, partially offsetting higher asset volumes.
Regulatory Capital Monitoring Stifel Financial Corp. CET1 ratio stood at 14.8% (well above minimums), but regulatory requirements limit subsidiary distributions to the parent.

Outlook

Future NIM Compression Future Federal Reserve rate decreases are expected to reduce interest-based revenues, potentially offsetting gains from increased cash sweep balances.
Focus on Advisor Recruiting Management plans to maintain focus on revenue growth, emphasizing recruiting experienced financial advisors and increasing market share organically.
Acquisition Integration Ongoing Integration of B. Riley and Bryan Garnier acquisitions is underway; purchase price allocations are preliminary pending final analysis.
Contested Arbitration Award The Company is contesting a $132.5M FINRA arbitration award, filing a petition to vacate, but ultimate resolution remains uncertain.

Peer Comparison

Revenue (TTM)

Jefferies Financial Group Inc.JEF
$10.73B
+15.1%
American Financial Group, Inc.AFG
$8.25B
+0.3%
Stifel Financial Corp.SF
$5.97B
+3.8%

Gross Margin (Latest Quarter)

Freedom Holding Corp.FRHC
95.1%
+39.3 pp
Jefferies Financial Group Inc.JEF
60.3%
-0.1 pp
FactSet Research Systems Inc.FDS
51.6%
-2.4 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HLI$12.71B28.519.7%11.4%
SF$12.41B0.114.7%0.0%
EVR$11.93B22.732.9%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+6.0%
Steady Growth
4Q Net Income CAGR
+853.3%
Profitability Improved
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $1.63B+10.7%
    |
    EPS: $1.96+37.1%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $1.49B+1.7%
    |
    EPS: $1.41-6.0%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $1.47B+3.5%
    |
    EPS: $0.42-71.6%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 26, 2025|
    Revenue: $5.95B+15.3%
    |
    EPS: $6.67+46.6%
    Meet

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $1.48B+43.2%
    |
    EPS: $1.43+160.0%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $1.47B+41.4%
    |
    EPS: $1.50+29.3%
    Meet

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $1.42B+29.9%
    |
    EPS: $1.48+8.8%
    Meet

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 16, 2024|
    Revenue: $5.16B+12.6%
    |
    EPS: $4.55-20.7%
    Meet