企業概要
Stifel Financial Corp. operates as a bank holding company that provides a comprehensive suite of retail and institutional wealth management services alongside investment banking solutions for individuals, corporations, municipalities, and institutions across the United States, the United Kingdom, and Canada. The enterprise functions within the Financial Services sector and specifically within the Capital Markets industry, positioning it as an intermediary that facilitates capital formation and wealth preservation for a diverse client base. According to available data, the company commands a market capitalization of $11.91B and generated annual revenue of $5.49B while employing a workforce of 8,900 individuals. These valuation and revenue figures indicate that Stifel maintains a significant scale within the regional banking landscape, reflecting substantial market penetration and operational capacity relative to peers in the capital markets sector.
財務健全性
The financial statements reveal a trailing twelve-month revenue of $5.49B with a corresponding net income of $646.50M, while specific EBITDA figures are not disclosed in the provided data. The substantial disparity between the total revenue of $5.49B and the net income of $646.50M highlights a cost structure where non-interest expenses, including compensation and operating costs, absorb approximately 87.5% of gross revenue before reaching the bottom line. Although free cash flow is not explicitly reported in the available facts, the company holds a cash position of $4.66B against total debt obligations of $2.25B, suggesting a robust liquidity buffer that enhances financial flexibility for strategic acquisitions or capital returns. The gross margin stands at 95.2%, indicating high revenue retention from primary financial activities before operating costs, while the operating margin of 27.4% and profit margin of 12.5% demonstrate the efficiency of the company in converting revenue into operational and net earnings. In terms of leverage, the company maintains a debt-to-equity ratio of 37.66%, meaning debt is 0.3766 times equity, while the current ratio of 0.89 suggests that current liabilities slightly exceed current assets, indicating a need for careful management of short-term liquidity despite the strong cash holdings. Furthermore, the Return on Equity is 11.7% and the Return on Assets is 1.7%, metrics that reveal management's effectiveness in generating profits from shareholders' capital relative to the total asset base utilized for operations.
バリュエーション評価
Valuation metrics indicate a trailing P/E ratio of 19.62 and a forward P/E of 10.46, where the significant difference between the two implies that the market expects a substantial acceleration in earnings trajectory over the coming fiscal period. The price-to-book ratio is recorded at 2.22, which indicates that the market values the company at more than double its tangible book value, reflecting a premium assigned to its intangible assets and future growth prospects. Alternative valuation measures include a price-to-sales ratio of 2.17 and an EV/EBITDA metric listed as N/A, suggesting that analysts rely more heavily on revenue-based multiples given the unavailability of normalized EBITDA data in this specific reporting period. Regarding trading range, the stock's 52-week high is $89.83 and the 52-week low is $49.77, meaning the current price sits between these extremes, specifically trading below the 52-week high of $89.83 but above the 52-week low of $49.77. The beta value is 1.10, which signifies that the stock's price volatility is slightly higher than that of the broader market, implying that the stock will tend to move with greater magnitude than the S&P 500 during periods of market fluctuation.
Growth & Income
Revenue growth for the trailing twelve months is reported at 14.6% year-over-year, while earnings growth is 10.5% year-over-year, indicating that earnings are expanding at a slower pace than revenue, which may suggest margin compression or the need for higher revenue volume to sustain earnings expansion. For dividend payers, the company offers a dividend yield of 1.6% with a payout ratio of 31.4%, a level that is generally considered sustainable given that the payout ratio remains well below 100% and is supported by the consistent generation of net income. Since the company does not report negative free cash flow or other indicators of distress, the current payout ratio of 31.4% suggests that the firm retains a significant portion of its earnings for reinvestment or balance sheet strengthening rather than distributing all profits. Overall, the growth and income profile presents a company with double-digit revenue expansion and moderate earnings growth, complemented by a conservative dividend policy that provides income to shareholders while preserving capital for future business needs.