WallStSmart

Stifel Financial Corporation (SF)vsWells Fargo & Company (WFC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Wells Fargo & Company generates 1324% more annual revenue ($83.11B vs $5.83B). WFC leads profitability with a 27.6% profit margin vs 16.3%. SF appears more attractively valued with a PEG of 0.87. SF earns a higher WallStSmart Score of 81/100 (A-).

SF

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 7.0Value: 7.0Quality: 5.0
Piotroski: 6/9Altman Z: 0.55

WFC

Strong Buy

74

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: -0.38

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SF5 strengths · Avg: 8.4/10
EPS GrowthGrowth
50.6%10/10

Earnings expanding 50.6% YoY

PEG RatioValuation
0.878/10

Growing faster than its price suggests

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

WFC6 strengths · Avg: 9.2/10
Market CapQuality
$251.75B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Operating MarginProfitability
34.1%10/10

Strong operational efficiency at 34.1%

Profit MarginProfitability
27.6%9/10

Keeps 28 of every $100 in revenue as profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$6.78B8/10

Generating 6.8B in free cash flow

Areas to Watch

SF1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

WFC3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.4%4/10

0.4% revenue growth

Debt/EquityHealth
1.263/10

Elevated debt levels

Altman Z-ScoreHealth
-0.382/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : SF

The strongest argument for SF centers on EPS Growth, PEG Ratio, P/E Ratio. Profitability is solid with margins at 16.3% and operating margin at 21.8%. Revenue growth of 12.7% demonstrates continued momentum.

Bull Case : WFC

The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.1%. PEG of 1.39 suggests the stock is reasonably priced for its growth.

Bear Case : SF

The primary concerns for SF are Altman Z-Score.

Bear Case : WFC

The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

SF profiles as a mature stock while WFC is a value play — different risk/reward profiles.

SF carries more volatility with a beta of 1.01 — expect wider price swings.

SF is growing revenue faster at 12.7% — sustainability is the question.

WFC generates stronger free cash flow (6.8B), providing more financial flexibility.

Bottom Line

SF scores higher overall (81/100 vs 74/100), backed by strong 16.3% margins and 12.7% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Stifel Financial Corporation

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Stifel Financial Corp. The company is headquartered in St. Louis, Missouri.

Wells Fargo & Company

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.

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