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Saul Centers (BFS)
NYSE:BFS

Saul Centers (BFS) AI Stock Analysis

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Saul Centers

(NYSE:BFS)

Rating:66Neutral
Price Target:
$37.00
▲(7.03%Upside)
The overall score for Saul Centers reflects its stable financial performance, supported by strong cash flow and attractive dividend yield. However, high leverage and a premium valuation present potential risks. Technical indicators suggest a neutral market sentiment, balancing out the overall score.

Saul Centers (BFS) vs. SPDR S&P 500 ETF (SPY)

Saul Centers Business Overview & Revenue Model

Company DescriptionSaul Centers, Inc. is a self-managed, self-administered equity REIT headquartered in Bethesda, Maryland, which currently operates and manages a real estate portfolio of 60 properties which includes (a) 50 community and neighborhood shopping centers and seven mixed-use properties with approximately 9.8 million square feet of leasable area and (b) three land and development properties. Approximately 85% of the Saul Centers' property operating income is generated by properties in the metropolitan Washington, DC/Baltimore area.
How the Company Makes MoneySaul Centers makes money primarily through the leasing of retail and mixed-use properties. The company's revenue model is centered around collecting rental income from tenants occupying its properties. Key revenue streams include base rent, which is the fixed monthly fee tenants pay, and percentage rent, which is a variable component based on a tenant's sales performance. Additionally, Saul Centers may earn income from property management services and redevelopment projects. The company's earnings are influenced by factors such as occupancy rates, lease agreements, and market demand for retail and commercial space. Saul Centers' strategic location in high-demand metropolitan areas and its long-term relationships with diverse tenants contribute significantly to its revenue generation.

Saul Centers Financial Statement Overview

Summary
Saul Centers shows stable revenue growth and strong operational profitability with high gross profit and EBIT margins. However, the company faces financial risk due to a high debt-to-equity ratio and low net profit margins, which could affect its long-term stability.
Income Statement
70
Positive
Saul Centers demonstrates a stable revenue growth with a rate of approximately 6.2% from 2023 to 2024. The gross profit margin remains strong at 71.7% for TTM, indicating effective cost management. However, the net profit margin is relatively low at 17.1%, suggesting higher operating costs or financial expenses. EBIT and EBITDA margins are healthy at 51.9% and 62.8% respectively, showcasing profitability in operations.
Balance Sheet
65
Positive
The company maintains a high debt-to-equity ratio of 4.7, reflecting significant leverage, which could pose financial risk. Return on Equity is modest at 14.3%, indicating moderate profitability relative to shareholder equity. The equity ratio is 15.4%, suggesting a low proportion of equity financing compared to total assets, which may impact financial stability.
Cash Flow
68
Positive
Saul Centers has a stable operating cash flow, but the free cash flow growth rate is negative due to consistent capital expenditures. The operating cash flow to net income ratio is favorable at 2.5, indicating strong cash generation relative to net income. The free cash flow to net income ratio is also strong at 2.5, showing that the company effectively converts its profits into cash.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue274.18M268.85M257.21M245.86M239.22M225.21M
Gross Profit196.68M196.79M190.07M181.34M177.60M166.79M
EBITDA171.98M171.72M166.61M109.98M107.07M146.25M
Net Income46.82M50.65M52.69M94.13M2.96M-4.71M
Balance Sheet
Total Assets2.13B2.13B1.99B1.83B1.75B1.65B
Cash, Cash Equivalents and Short-Term Investments6.49M10.30M8.41M13.28M14.59M26.86M
Total Debt1.54B1.53B1.39B1.22B1.14B1.15B
Total Liabilities1.64B1.63B1.49B1.31B1.22B1.22B
Stockholders Equity328.37M335.75M348.39M400.48M405.05M364.32M
Cash Flow
Free Cash Flow117.77M121.22M117.73M140.16M118.38M134.55M
Operating Cash Flow117.77M121.22M117.73M121.15M118.38M78.38M
Investing Cash Flow-167.65M-188.73M-203.68M-116.89M-55.87M-56.17M
Financing Cash Flow49.29M69.40M81.08M-5.58M-74.77M-9.26M

Saul Centers Technical Analysis

Technical Analysis Sentiment
Positive
Last Price34.57
Price Trends
50DMA
33.97
Positive
100DMA
34.34
Positive
200DMA
36.15
Negative
Market Momentum
MACD
0.19
Positive
RSI
55.26
Neutral
STOCH
51.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFS, the sentiment is Positive. The current price of 34.57 is below the 20-day moving average (MA) of 34.65, above the 50-day MA of 33.97, and below the 200-day MA of 36.15, indicating a neutral trend. The MACD of 0.19 indicates Positive momentum. The RSI at 55.26 is Neutral, neither overbought nor oversold. The STOCH value of 51.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BFS.

Saul Centers Risk Analysis

Saul Centers disclosed 16 risk factors in its most recent earnings report. Saul Centers reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Saul Centers Peers Comparison

Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
CBCBL
72
Outperform
$795.05M11.9521.87%6.22%0.03%1997.67%
72
Outperform
$603.12M1.1142.15%3.87%-42.71%152.66%
WSWSR
69
Neutral
$1.28B20.877.33%4.28%4.39%24.45%
69
Neutral
$1.38B-0.88%4.99%21.91%-257.05%
BFBFS
66
Neutral
$833.50M23.3513.86%6.83%5.00%-14.72%
AKAKR
65
Neutral
$2.40B109.120.92%4.43%2.62%84.20%
63
Neutral
$6.92B18.42-1.93%6.88%4.65%-25.39%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BFS
Saul Centers
35.00
-0.93
-2.59%
SITC
SITE Centers
11.60
1.21
11.65%
WSR
Whitestone REIT
12.62
-0.56
-4.25%
AKR
Acadia Realty
18.43
0.04
0.22%
NTST
NETSTREIT
16.82
1.22
7.82%
CBL
CBL & Associates Properties
25.58
3.22
14.40%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 09, 2025