NASDAQ · STOCK
Stifel
$82.96
52W $67.81 – $89.83
58/100
$12.57B
9.1
1.01
Is SF Bullish or Bearish?
Mixed.
Innellis AI committee rates Stifel (SF) Watch with a composite score of 58/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +2.44 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -17.56 from today. The band boundary is 45.0, 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. Growth Analyst sees a compelling case — 5 consecutive earnings beats -- consistent execution. 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 13.2 is inexpensive for the broad market — Value
- ROE of 15.1% 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
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Debt-to-equity of 5.33 adds balance-sheet risk to the value case — Value
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — 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
- Bollinger bandwidth of 16.7% signals elevated volatility — 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 July 31, 2026
Overall Committee Score
58/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 56%
of 141 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 13.2 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
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Price structure (LH_LL) contradicts the uptrend -- mixed signals
Risk Analyst
bearish
33
/ 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
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 27 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 58.6 to 57.6.
- Committee agreement fell notably from 71% to 57%.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
68.0
Neutral
MACD Histogram
0.453
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Lh Ll
Support
$75.59
Resistance
$83.77
Bollinger %B
0.85
Inside Bands
Price vs Moving Averages
EMA 9
$81.39
Above
EMA 21
$78.83
Above
EMA 50
$76.44
Above
EMA 200
$75.85
Above
Fundamental Analysis
Valuation
100
Growth
76
Profitability
0
Financial Health
49
Cash Flow
37
Valuation
P/E Ratio
9.1×
P/B Ratio
1.42×
PEG Ratio
0.14
Dividend Yield
0.02%
52W High
$89.83
52W Low
$67.81
Quality & Growth
ROE
11.4%
ROA
1.6%
Gross Margin
84.9%
Operating Margin
24.5%
Revenue Growth YoY
—
Debt / Equity
0.55
AI Fundamental Assessment
P/E ratio of 9.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.8%; Current ratio of 0.14 (tight short-term liquidity); Debt-to-equity of 0.55; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (8.08); 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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