Is SCHW or SF more undervalued in 2026?

CirclFi compares Charles Schwab Corporation (The (SCHW) and Stifel Financial Corporation (SF) using 13 institutional-grade valuation models. SCHW has a Quality of Company score of 9.5/10 while SF scores 8.7/10.

Which is a better buy — SCHW or SF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SCHW and SF valuations compare?

SCHW at $85.35 and SF at $70.35 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SCHW vs SF Valuation Comparison 2026 — Intrinsic Value Analysis

SCHW

Capital Markets

Charles Schwab Corporation (The

Quality

9.5

out of 10

Value Trap

—

Price

$85.35

Last close

Models

11/13

Active

SF

Capital Markets

Stifel Financial Corporation

Quality

8.7

out of 10

Value Trap

SAFE

Price

$70.35

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	SCHW Fair Value	SCHW Upside	SF Fair Value	SF Upside
Bayesian DCF	Intrinsic	$26.19	-69.3%	$52.16	-25.9%
Earnings Power Value	Intrinsic	$48.07	-43.7%	$53.93	-23.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SCHW vs SF — Which Stock Is More Undervalued?

SCHW scores higher with a 9.5/10 quality rating vs SF's 8.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Charles Schwab Corporation (The (SCHW) and Stifel Financial Corporation (SF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SCHW currently trades at $85.35 with a QOC of 9.5/10, while SF trades at $70.35 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).