BFS
BEARISH
$31.5
Live
Saul Centers, Inc. · NYSE
Target $44.0
(+39.7%)
$29.16
52W Range
$37.89
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$1.08B
P/E
27.63
ROE
10.3%
Profit margin
13.8%
Debt/Equity
3.28
Dividend yield
7.48%
AI Analysis
AI-powered fundamental assessment
Confidence
78%
The Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of 4/9, indicating borderline stability, and a missing Altman Z-Score prevents a full distress risk assessment. Despite a high dividend yield of 7.48%, the unsustainable payout ratio of 207% and declining earnings raise serious concerns. Valuation metrics like a P/E of 27.63 and Price/Book of 5.86 are elevated relative to weak growth and poor profitability trends, while the technical trend score of 0/100 signals strong bearish momentum. Although the analyst target price stands at $44.00, minimal coverage (only one analyst) and deteriorating fundamentals limit confidence in this upside.
Key Strengths
High dividend yield of 7.48% offers income appeal
Operating and gross margins are strong at 43.14% and 71.61%, respectively
Revenue growth remains positive at 7.00% YoY
Insider sentiment score of 60/100 suggests mild confidence
Peer-average debt/equity comparison within sector
Key Risks
Piotroski F-Score of 4 indicates weak financial health and low resilience
Earnings declining sharply: -33.9% YoY and -27.6% QoQ
Dividend payout ratio of 207% is unsustainable long-term
Technical trend score of 0/100 signals strong bearish price momentum
Missing Altman Z-Score and key financial data (debt, cash, EV) limit risk transparency
AI Fair Value Estimate
Based on comprehensive analysis
$11.74
-62.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
34
Weak
28
32
44
30
38
AI Verdict
Overvalued with deteriorating fundamentals and high risk
Key drivers: Low Piotroski F-Score, Unsustainable dividend payout, Negative earnings growth, Bearish technical trend, Lack of Altman Z-Score
Confidence
80%
Value
28/100
Ref P/E, PEG, Graham Number
Positives
- Graham Number implies $11.74 in defensive value
Watchpoints
- Current price ($31.50) is 168% above Graham Number
- P/E of 27.63 is high for a company with negative earnings growth
- Price/Book of 5.86 is elevated
Future
32/100
Ref Growth rates
Positives
- Revenue growth of 7.00% YoY is positive
Watchpoints
- Earnings growth of -33.90% YoY
- Q/Q EPS decline of -3.0%
- PEG Ratio unavailable due to negative earnings
Past
44/100
Ref Historical trends
Positives
- Historically beat earnings estimates in earlier quarters (e.g., +21% surprises in 2024)
Watchpoints
- Recent quarters show consistent earnings misses (3 of last 4)
- EPS growth trend is downward over the past year
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Operating margin remains strong
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- Current and Quick Ratios below 1.0 signal liquidity risk
- Debt/Equity ratio of 3.28 is high
- Altman Z-Score missing, increasing uncertainty
Dividend
38/100
Ref Yield, Payout
Positives
- Dividend yield of 7.48% is attractive on surface
Watchpoints
- Payout ratio of 207% is unsustainable
- Dividend strength score of 40/100 reflects high risk
- No confirmation of dividend sustainability from cash flow data
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$31.5
Analyst Target
$44.0
Upside/Downside
+39.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BFS and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BFS
Saul Centers, Inc.
Primary
|
+35.2% | -8.1% | -6.4% | -1.2% | +1.6% | -1.1% |
|
DEA
Easterly Government Properties, Inc.
Peer
|
-37.0% | -11.3% | +24.8% | +8.9% | +8.3% | +0.0% |
|
CSR
Centerspace
Peer
|
+15.6% | +40.2% | +17.2% | +14.3% | +15.4% | +2.1% |
|
CIM
Chimera Investment Corporation
Peer
|
-35.9% | +14.5% | +30.6% | +10.9% | +9.4% | -0.9% |
|
EXPI
eXp World Holdings, Inc.
Peer
|
-84.6% | -47.3% | -31.9% | -44.3% | -5.8% | +1.0% |
BFS
Saul Centers, Inc.
Primary
5Y
+35.2%
3Y
-8.1%
1Y
-6.4%
6M
-1.2%
1M
+1.6%
1W
-1.1%
DEA
Easterly Government Properties, Inc.
Peer
5Y
-37.0%
3Y
-11.3%
1Y
+24.8%
6M
+8.9%
1M
+8.3%
1W
+0.0%
CSR
Centerspace
Peer
5Y
+15.6%
3Y
+40.2%
1Y
+17.2%
6M
+14.3%
1M
+15.4%
1W
+2.1%
CIM
Chimera Investment Corporation
Peer
5Y
-35.9%
3Y
+14.5%
1Y
+30.6%
6M
+10.9%
1M
+9.4%
1W
-0.9%
EXP
eXp World Holdings, Inc.
Peer
5Y
-84.6%
3Y
-47.3%
1Y
-31.9%
6M
-44.3%
1M
-5.8%
1W
+1.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
27.63
Forward P/E
23.16
PEG Ratio
N/A
P/B Ratio
5.86
P/S Ratio
3.84
EV/Revenue
9.55
EV/EBITDA
15.7
Market Cap
$1.08B
Profitability
Profit margins and return metrics
Profit Margin
13.83%
Operating Margin
43.14%
Gross Margin
71.61%
ROE
10.34%
ROA
3.46%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.0%
Earnings Growth
-33.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-27.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
3.28
High debt
Current Ratio
0.95
Weak
Quick Ratio
0.95
Poor
Cash/Share
$0.54
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-27
$N/A
2025-11-06
$0.32
+39.1% surprise
2025-08-07
$0.33
-5.7% surprise
2025-05-08
$0.29
-14.7% surprise
Real Estate Sector Comparison
Comparing BFS against 165 companies in the Real Estate sector
(6 bullish, 31 neutral, 128 bearish)
P/E Ratio
27.63
This Stock
vs
41.83
Sector Avg
-34.0%
(Discount)
Return on Equity (ROE)
10.34%
This Stock
vs
-33.57%
Sector Avg
-130.8%
(Below Avg)
Profit Margin
13.83%
This Stock
vs
10.53%
Sector Avg
+31.4%
(Superior)
Debt to Equity
3.28
This Stock
vs
2.45
Sector Avg
+33.7%
(Higher)
Revenue Growth
7.0%
This Stock
vs
16932.14%
Sector Avg
-100.0%
(Slower)
Current Ratio
0.95
This Stock
vs
7.96
Sector Avg
-88.0%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BFS
Saul Centers, Inc.
|
BEARISH | $1.08B | 27.63 | 10.3% | 13.8% | $31.5 | |
|
DEA
Easterly Government...
|
BEARISH | $1.09B | 87.11 | 1.0% | 3.8% | $23.52 | Compare |
|
CSR
Centerspace
|
BEARISH | $1.12B | 65.19 | 2.6% | 6.4% | $66.49 | Compare |
|
CIM
Chimera Investment Corporation
|
BEARISH | $1.14B | 7.89 | 9.0% | 62.5% | $13.57 | Compare |
|
EXPI
eXp World Holdings, Inc.
|
BEARISH | $964.69M | - | -10.1% | -0.5% | $5.99 | Compare |
BFS
Saul Centers, Inc.
BEARISH
Mkt Cap
$1.1B
P/E
27.6
ROE
10.3%
Price
$31.5
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-01-05 | CLANCY GEORGE PATRICK JR | Director | Option Exercise | 3,690 | $116,235 |
| 2025-11-12 | PEARSON DAVID TODD | President | Purchase | 3,348 | $99,978 |
| 2025-11-12 | COLLICH JOHN F | Officer | Purchase | 2,000 | $59,987 |
CLANCY GEORGE PATRICK JR
Director
2026-01-05
3,690 shares
·
$116,235
PEARSON DAVID TODD
President
2025-11-12
3,348 shares
·
$99,978
COLLICH JOHN F
Officer
2025-11-12
2,000 shares
·
$59,987
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning BFS from our newsroom.
Newest → oldest
No matching news yet.