SFMEDIUM SIGNALOPPORTUNITY10-K

Stifel completed significant acquisitions and geographic expansion while delivering strong financial performance with operating cash flow more than doubling.

The company successfully integrated multiple acquisitions including Finance 500 (adding $4B in assets under management and 36 advisors) and appears to have completed the Bryan, Garnier & Co. transaction, expanding its European presence from "growing" to established. The removal of specific 2023 acquisition details and addition of current advisor/branch counts (2,200+ advisors in 402 branches across 48 states) suggests successful integration and organic growth momentum.

Comparing 2026-02-24 vs 2025-02-26View on EDGAR →
FINANCIAL ANALYSIS

Stifel demonstrated exceptional operational performance with operating cash flow surging 128% to $1.1B and operating income growing 31% to $928M, while stockholders' equity increased 17% to $4.2B reflecting strong retained earnings growth. The company returned significantly more capital to shareholders through buybacks (+70% to $245M) despite a modest decline in cash reserves (-15% to $2.3B). Higher provision for credit losses (+55% to $25.6M) is concerning but relatively modest given the substantial business expansion, and the overall financial picture signals robust profitability and successful scaling of the acquisition strategy.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+127.8%
$490.4M$1.1B

Operating cash flow surged 127.8% — exceptional cash generation, highest quality earnings signal.

Share Buybacks
Cash Flow
+70%
$144.1M$245.0M

Share repurchases increased 70% — management returning capital, signals confidence in intrinsic value.

Provision for Credit Losses
P&L
+54.8%
$16.5M$25.6M

Credit loss provisions surged 54.8% — management flagging significant deterioration in loan quality ahead.

Operating Income
P&L
+31.4%
$706.7M$928.4M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Stockholders Equity
Balance Sheet
+17.3%
$3.6B$4.2B

Equity base grew 17.3% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Cash & Equivalents
Balance Sheet
-14.9%
$2.6B$2.3B

Cash decreased 14.9% — monitor burn rate and upcoming capital needs.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-26
ADDED
Over the past several years, we have grown substantially, primarily by completing and successfully integrating a number of acquisitions, including the following acquisitions, which were integrated during 2024 and 2025: CB Resource and Finance 500 On August 1, 2024, the Company acquired Finance 500, Inc.
s traditional wealth management business, a deal that added 36 advisors with approximately $4 billion in assets under management.
We have customers throughout the United States, the United Kingdom, Europe, and Canada.
Consolidated Stifel Branch System At December 31, 2025, the Private Client Group had a network of more than 2,200 financial advisors located in 402 branch offices in 48 states and the District of Columbia.
We offer high-net-worth and institutional investors the opportunity to participate in a wide range of non-traditional investment strategies.
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REMOVED
Over the past several years, we have grown substantially, primarily by completing and successfully integrating a number of acquisitions, including the following acquisitions, which were integrated during 2023 and 2024: Torreya Partners LLC On March 1, 2023, the Company acquired Torreya Partners LLC, a leading independent M A and private capital advisory firm serving the global life sciences industry.
Sierra Pacific Securities, LLC On August 1, 2023, the Company acquired Sierra Pacific Securities, LLC, an algorithmic trading-focused, fixed income market-making firm.
CB Resource and Finance 500 On August 1, 2024, the Company acquired Finance 500, Inc.
On January 6, 2025, the Company announced it signed a definitive agreement to acquire Bryan, Garnier Co.
The transaction is expected to close in the first half of 2025.
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