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RJF vs SCHW
Which Stock Would AI Choose? Raymond James Financial (RJF) vs. Charles Schwab (SCHW) Stock Comparison
Key Takeaways
- RJF (Raymond James Financial) has delivered a stronger three-month relative performance, gaining roughly 17% while outpacing both its industry peers and the broader market.
- SCHW (Charles Schwab) posted record revenue and $190.4 billion in core net new assets in its latest quarter, yet the stock has pulled back from its 2026 high amid cost and rate-sensitivity concerns.
- The two firms have different business profiles: RJF leans on advisor-driven wealth management and capital markets, while SCHW operates a massive self-directed brokerage and banking platform.
- Both stocks trade below consensus analyst price targets, but SCHW carries a stronger aggregate "Buy" rating while RJF clusters around "Hold."
- RJF trades at a lower forward price-to-earnings (P/E) multiple, whereas SCHW's appeal rests on scale and asset-gathering momentum.
Introduction
Raymond James Financial and Charles Schwab are two of the most closely watched names in U.S. wealth and brokerage services, yet they serve investors in very different ways. This stock comparison is relevant for traders and long-term investors evaluating how an advisor-centric diversified financial firm (RJF) measures up against a self-directed investing and banking giant (SCHW). Both companies have reported record results in recent quarters and both are navigating shifting interest-rate and client-cash dynamics. By examining relative performance, growth drivers, and market positioning, this article offers a factual, side-by-side view of where each stock stands in the current environment.
RJF Overview and Recent Performance
Raymond James Financial is a diversified financial services company whose core business is the Private Client Group, a network of financial advisors serving affluent and high-net-worth clients. It also operates Asset Management, Capital Markets, and a bank segment. In recent weeks, RJF shares have pulled back modestly after a strong run, with the stock still up roughly 17% over the past three months — outperforming the S&P 500 and several capital-markets peers. Fiscal 2026 results have been robust: the company reported record quarterly net revenues, record client assets under administration of roughly $1.86 trillion, and an annualized return on common equity above 18%. Strategic acquisitions such as Clark Capital and GreensLedge have broadened its wealth and capital-markets capabilities. Rising operating expenses and lingering legal costs tied to a cash-sweep lawsuit remain notable headwinds.
SCHW Overview and Recent Performance
Charles Schwab is one of the largest retail brokerage and wealth platforms in the United States, combining self-directed trading, managed investing, and banking under one ecosystem. In its most recent quarter, SCHW generated record revenue of about $7.17 billion, up roughly 17% year over year, with adjusted earnings per share rising 29%. Total client assets reached approximately $13.33 trillion, and the firm added 1.2 million new brokerage accounts while gathering $190.4 billion in core net new assets. Despite these results, the stock slipped after the report and remains below its 2026 high, reflecting investor caution around funding costs, a slightly softer revenue figure versus consensus, and the influence of higher short-term interest rates on client cash levels. Schwab has also emphasized AI-driven tools and recently became the largest company to list on the Texas Stock Exchange.
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Head-to-Head Comparison
The two companies occupy adjacent but distinct lanes. RJF is a human-advisor-centric firm whose revenue is heavily tied to asset-based fees, advisory recruiting, and investment banking — giving it cyclical sensitivity to capital-markets activity but also a steadier, relationship-driven asset base. SCHW operates at far greater scale, monetizing a self-directed client base through trading, cash sweep (client cash held in interest-bearing accounts), and banking, which makes its earnings more sensitive to interest rates and net interest margin (the spread between interest earned and interest paid).
On recent momentum, RJF has shown stronger relative price performance over the past three months, while SCHW has lagged despite record fundamental results — a sign that sentiment is currently rewarding RJF's momentum and discount valuation. On valuation, RJF's forward P/E of roughly 13.7x is below its industry, whereas SCHW trades at a higher multiple but enjoys a broader analyst "Buy" consensus and a wider moat of scale. Risk factors differ too: RJF faces expense inflation and legal overhang, while SCHW contends with deposit flows, funding costs, and competitive pressure from fintech platforms.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward RJF in the current environment. The stock's stronger relative performance over recent months, steadier upward trend, lower valuation multiple, and diversified revenue mix suggest greater trend consistency and more favorable market positioning than SCHW, which has trended lower despite strong fundamentals. That said, this is a probabilistic read rather than a definitive forecast: SCHW's scale, asset-gathering momentum, and positive analyst consensus remain meaningful catalysts that could shift the balance if interest-rate and deposit conditions stabilize. Traders should weigh these trade-offs against their own timeframe and risk tolerance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is RJF is a Buy and SCHW is a Buy.
RJF's RSI Indicator ascending out of oversold territory
The RSI Indicator for RJF moved out of oversold territory on October 20, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 29 similar instances when the indicator left oversold territory. In 24 of the 29 cases the stock moved higher. This puts the odds of a move higher at 83%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 37 of 55 cases where RJF's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 67%.
The Momentum Indicator moved above the 0 level on October 22, 2026. You may want to consider a long position or call options on RJF as a result. In 49 of 77 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 64%.
The Moving Average Convergence Divergence (MACD) for RJF just turned positive on October 06, 2026. Looking at past instances where RJF's MACD turned positive, the stock continued to rise in 25 of 46 cases over the following month. The odds of a continued upward trend are 54%.
Following a +2.53% 3-day Advance, the price is estimated to grow further. Considering data from situations where RJF advanced for three days, in 210 of 354 cases, the price rose further within the following month. The odds of a continued upward trend are 59%.
RJF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RJF declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 59%.
The Aroon Indicator for RJF entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 9 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 29 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 82, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 58 (best 1 - 100 worst), indicating steady price growth. RJF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 63 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 84 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.411) is normal, around the industry mean (2.404). P/E Ratio (13.618) is within average values for comparable stocks, (-3.413). Projected Growth (PEG Ratio) (0.791) is also within normal values, averaging (1.319). Dividend Yield (0.014) settles around the average of (0.272) among similar stocks. P/S Ratio (2.197) is also within normal values, averaging (15.798).
SCHW's Stochastic Oscillator remains in oversold zone for 3 days
The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an uptrend is expected.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where SCHW's RSI Oscillator exited the oversold zone, 24 of 34 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 71%.
Following a +2.30% 3-day Advance, the price is estimated to grow further. Considering data from situations where SCHW advanced for three days, in 185 of 320 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
SCHW may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Moving Average Convergence Divergence Histogram (MACD) for SCHW turned negative on October 15, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 48 similar instances when the indicator turned negative. In 24 of the 48 cases the stock turned lower in the days that followed. This puts the odds of success at 50%.
SCHW moved below its 50-day moving average on September 22, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for SCHW crossed bearishly below the 50-day moving average on September 21, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 14 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 64%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where SCHW declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 59%.
The Aroon Indicator for SCHW entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 5 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 61 (best 1 - 100 worst), indicating steady price growth. SCHW’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 69 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. SCHW’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 87, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 71 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 88 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (3.599) is normal, around the industry mean (3.532). P/E Ratio (16.565) is within average values for comparable stocks, (8.846). Projected Growth (PEG Ratio) (0.832) is also within normal values, averaging (0.809). Dividend Yield (0.014) settles around the average of (7.708) among similar stocks. P/S Ratio (7.148) is also within normal values, averaging (16.763).
RJF | SCHW | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 25 | 62 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 84 Overvalued | 88 Overvalued | |
PROFIT vs RISK RATING 1..100 | 29 | 69 | |
SMR RATING 1..100 | 9 | 5 | |
PRICE GROWTH RATING 1..100 | 58 | 61 | |
P/E GROWTH RATING 1..100 | 63 | 71 | |
SEASONALITY SCORE 1..100 | 75 | 75 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
RJF's Valuation (84) in the Investment Banks Or Brokers industry is in the same range as SCHW (88). This means that RJF’s stock grew similarly to SCHW’s over the last 12 months.
RJF's Profit vs Risk Rating (29) in the Investment Banks Or Brokers industry is somewhat better than the same rating for SCHW (69). This means that RJF’s stock grew somewhat faster than SCHW’s over the last 12 months.
SCHW's SMR Rating (5) in the Investment Banks Or Brokers industry is in the same range as RJF (9). This means that SCHW’s stock grew similarly to RJF’s over the last 12 months.
RJF's Price Growth Rating (58) in the Investment Banks Or Brokers industry is in the same range as SCHW (61). This means that RJF’s stock grew similarly to SCHW’s over the last 12 months.
RJF's P/E Growth Rating (63) in the Investment Banks Or Brokers industry is in the same range as SCHW (71). This means that RJF’s stock grew similarly to SCHW’s over the last 12 months.
| RJF | SCHW | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 83% | 2 days ago 71% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 64% | N/A |
| MACD ODDS (%) | 2 days ago 54% | 2 days ago 50% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 60% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 62% |
| Advances ODDS (%) | 2 days ago 59% | 3 days ago 58% |
| Declines ODDS (%) | 5 days ago 59% | 5 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 59% | 2 days ago 71% |
| Aroon ODDS (%) | 2 days ago 59% | 2 days ago 60% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
RJF’s FA Score shows that 2 FA rating(s) are green while SCHW’s FA Score has 1 green FA rating(s).
- RJF’s FA Score: 2 green, 3 red.
- SCHW’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
RJF’s TA Score shows that 6 TA indicator(s) are bullish while SCHW’s TA Score has 4 bullish TA indicator(s).
- RJF’s TA Score: 6 bullish, 2 bearish.
- SCHW’s TA Score: 4 bullish, 5 bearish.
Price Growth
RJF (@Investment Managers) experienced а +1.16% price change this week, while SCHW (@Investment Banks/Brokers) price change was -2.89% for the same time period.
The average weekly price growth across all stocks in the @Investment Managers industry was -0.67%. For the same industry, the average monthly price growth was -6.40%, and the average quarterly price growth was -2.19%.
The average weekly price growth across all stocks in the @Investment Banks/Brokers industry was -3.04%. For the same industry, the average monthly price growth was -16.45%, and the average quarterly price growth was -16.40%.
Reported Earning Dates
RJF is expected to report earnings on Oct 28, 2026.
SCHW is expected to report earnings on Jan 19, 2027.
Industries' Descriptions
@Investment Managers (-0.67% weekly)Investment Managers manage financial assets and other investments of clients. Management includes designing a short- or long-term strategy for buying/holding and selling of portfolio holdings. It can also include tax services and other aspects of financial planning as well. While it is perceived that the industry is faced with growing competition from robo-advisors/digital platforms and passive/ index-tracking funds, many investors still find value in actively managed in-person services that investment management companies often emphasize on. At the same time, many wealth managers are also incorporating digital initiatives/low cost options in addition to their in-person customized services. Their main sources of revenues are fees as a percentage of assets under management, in addition to a certain portion of clients’ gains from asset appreciation. BlackRock, Inc., Blackstone Group Inc and Brookfield Asset Management are some of the major investment management companies.
@Investment Banks/Brokers (-3.04% weekly)These banks specialize in underwriting (helping companies with debt financing or equity issuances), IPOs, facilitating mergers and other corporate reorganizations and acting as a broker or financial advisor for institutions. They might also trade securities on their own accounts. Investment banks potentially thrive on expanding its network of clients, since that could help them increase profits. Goldman Sachs, Morgan Stanley and CME Group Inc are some of the largest investment banking companies.
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RJF and
Correlation & Price change
A.I.dvisor indicates that over the last year, RJF has been closely correlated with SF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if RJF jumps, then SF could also see price increases.
SCHW and
Correlation & Price change
A.I.dvisor indicates that over the last year, SCHW has been closely correlated with RJF. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if SCHW jumps, then RJF could also see price increases.
| Ticker / NAME | Correlation To SCHW | 1D Price Change % | ||
|---|---|---|---|---|
| SCHW | 100% | -0.22% | ||
| RJF - SCHW | 72% Closely correlated | +2.25% | ||
| LPLA - SCHW | 68% Closely correlated | -0.68% | ||
| NDAQ - SCHW | 62% Loosely correlated | +7.47% | ||
| MORN - SCHW | 57% Loosely correlated | +4.46% | ||
| SPGI - SCHW | 56% Loosely correlated | +2.24% | ||
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