SF · NYSE · STOCK
Stifel (SF) Stock Analysis
$73.17
52W $67.81 – $89.83
58/100
$11.48B
8.3
0.98
Is SF Bullish or Bearish?
Bullish.
Innellis AI committee rates Stifel (SF) Buy with a composite score of 58/100
, based on 6 analysts with 67% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.57 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.43 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 5.33) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 12.0 is inexpensive for the broad market — Value
- ROE of 16.1% shows genuine earnings power backing the valuation — Value
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Debt-to-equity of 5.33 adds balance-sheet risk to the value case — Value
- RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 5.33) amplifies downside in a stress scenario — Risk
- Current ratio of 0.12 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
58/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 72%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.0 is inexpensive for the broad market
− Debt-to-equity of 5.33 adds balance-sheet risk to the value case
Growth Analyst
bullish
77
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 24 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 5.33) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 55.9 to 58.4.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
24.2
Oversold
MACD Histogram
-0.581
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$75.59
Resistance
$78.21
Bollinger %B
0.10
Inside Bands
Price vs Moving Averages
EMA 9
$77.19
Below
EMA 21
$78.85
Below
EMA 50
$79.19
Below
EMA 200
$77.33
Below
Fundamental Analysis
Valuation
100
Growth
76
Profitability
61
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
8.3×
P/B Ratio
1.29×
PEG Ratio
0.13
Dividend Yield
1.75%
52W High
$89.83
52W Low
$67.81
Quality & Growth
ROE
1144.0%
ROA
164.4%
Gross Margin
8493.0%
Operating Margin
2451.8%
Revenue Growth YoY
—
Debt / Equity
0.14
AI Fundamental Assessment
P/E ratio of 8.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.3x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.4%; Return on assets of 1.6%; Net margin of 14.3%; Gross margin of 84.9%; Current ratio of 4.44 (healthy short-term liquidity); Debt-to-equity of 0.14; Free cash flow per share is positive (4.06); Most recent quarter beat estimates by 3.0%; 5 consecutive earnings beats; EPS growth accelerating (-17.3% -> -2.1% QoQ); Average YoY EPS growth of 24.6%; Analyst estimates falling over recent quarters
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