Saul Centers AI Stock Analysis
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Saul Centers (BFS) AI Stock Analysis
Saul Centers
(NYSE:BFS)
BFS scores in the below-average range, driven primarily by financial performance concerns: while revenue growth is consistent and margins are high, net income has declined for two consecutive periods and leverage is elevated, with roughly $1.10B of debt against a thin and shrinking $291M equity base. Technicals reinforce the caution, as the stock trades below all key moving averages with a negative MACD, indicating a persistent downtrend. The main offset is valuation — an 8.2% dividend yield and a reasonable 22.7 P/E for a REIT provide meaningful income appeal and some downside support, alongside low beta. The investment case rests on whether development activity can lift cash earnings enough to stabilize margins and reduce leverage.
Saul Centers (BFS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $704.54M
- Dividend Yield
- 8.32%
- Average Volume (3M)
- 129.34K
- Price to Earnings (P/E)
- 22.3
- Beta (1Y)
- 0.32
- Revenue Growth
- 9.16%
- EPS Growth
- -19.43%
- Country
- US
- Employees
- 156
- Sector
- Real Estate
- Sector Strength
- 65
- Industry
- REIT - Retail
Saul Centers Business Overview & Revenue Model
Company Description
Saul Centers, Inc. (BFS) is a self-managed and self-administered equity REIT, headquartered in Bethesda, Maryland. The company actively operates and oversees a real estate portfolio of 60 properties. This portfolio encompasses 50 community and neighb...
How the Company Makes Money
Saul Centers makes money primarily by collecting contractual rent and related income from tenants that lease space in its retail shopping centers and office buildings. The company’s key revenue streams generally include (1) base minimum rent under lo...
Saul Centers Financial Statement Overview
Summary
Saul Centers shows dependable top-line growth, with revenue rising to $308.6M on a trailing-twelve-month basis and EBITDA margins consistently in the 61-71% range. Operating cash flow is steady at roughly $96M and runs about 2.8x reported net income, a healthy sign for a REIT. The offsets are meaningful: net income has fallen two periods in a row to $33.8M as interest and depreciation costs rise, equity has eroded to $291M against roughly $1.10B of debt (a ~3.8x debt-to-equity ratio), and operating cash flow covers only a small fraction of total debt annually. The result is a stable but financially stretched operator dependent on refinancing and capital markets.
Income Statement
58NeutralBalance Sheet
42NeutralCash Flow
60Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 308.62M | 291.56M | 268.85M | 257.21M | 245.86M | 239.22M |
| Gross Profit | 216.27M | 89.52M | 196.79M | 190.07M | 181.34M | 177.60M |
| EBITDA | 186.66M | 178.55M | 171.90M | 166.61M | 156.39M | 155.64M |
| Net Income | 33.85M | 37.51M | 50.65M | 52.69M | 50.19M | 48.39M |
Balance Sheet | ||||||
| Total Assets | 2.17B | 2.16B | 2.13B | 1.99B | 1.83B | 1.75B |
| Cash, Cash Equivalents and Short-Term Investments | 8.54M | 8.74M | 10.30M | 8.41M | 13.28M | 14.59M |
| Total Debt | 1.62B | 1.60B | 1.53B | 1.39B | 1.22B | 1.14B |
| Total Liabilities | 1.71B | 1.69B | 1.63B | 1.49B | 1.31B | 1.22B |
| Stockholders Equity | 291.10M | 307.82M | 335.75M | 348.39M | 400.48M | 405.05M |
Cash Flow | ||||||
| Free Cash Flow | 96.24M | 99.80M | 121.22M | 117.73M | 140.16M | 118.38M |
| Operating Cash Flow | 96.24M | 99.80M | 121.22M | 117.73M | 121.15M | 118.38M |
| Investing Cash Flow | -56.81M | -95.81M | -188.73M | -203.68M | -116.89M | -55.87M |
| Financing Cash Flow | -35.51M | -5.54M | 69.40M | 81.08M | -5.58M | -74.77M |
Saul Centers Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BFS, the sentiment is Negative. The current price of 28.37 is below the 20-day moving average (MA) of 28.96, below the 50-day MA of 29.44, and below the 200-day MA of 32.32, indicating a bearish trend. The MACD of -0.31 indicates Positive momentum. The RSI at 39.32 is Neutral, neither overbought nor oversold. The STOCH value of 22.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Latest Risks Added
1 New RiskSaul Centers Peers Comparison
Overall Rating
REG77Outperform
FRT76Outperform
KIM76Outperform
BRX73Outperform
PECO73Outperform- BFS52Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| REG | 77Outperform | $13.94B | 22.65 | 9.13% | 3.97% | 8.53% | 27.69% |
| FRT | 76Outperform | $9.77B | 22.32 | 13.38% | 4.03% | 7.77% | 27.04% |
| KIM | 76Outperform | $16.98B | 23.23 | 7.27% | 4.15% | 3.13% | 28.07% |
| BRX | 73Outperform | $9.30B | 21.64 | 14.11% | 4.06% | 5.14% | 27.80% |
| PECO | 73Outperform | $5.81B | 28.60 | 7.77% | 3.19% | 6.95% | 118.56% |
| Sector * | 65Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% |
| BFS | 52Neutral | $704.54M | 22.34 | 11.31% | 8.32% | 9.16% | -19.43% |
* Real Estate Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BFS | Saul Centers | 28.37 | 0.63 | 2.29% | |
| KIM | Kimco Realty Corp | 25.55 | 6.36 | 33.12% | |
| REG | Regency Centers Corp. | 76.11 | 9.72 | 14.64% | |
| FRT | Federal Realty Investment Trust | 112.92 | 20.86 | 22.66% | |
| BRX | Brixmor Property Group | 30.30 | 5.45 | 21.94% | |
| PECO | Phillips Edison & Company, Inc. | 41.19 | 7.98 | 24.01% |
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: Nov 06, 2026