SAUL CENTERS INC (BFS) Fundamental Analysis & Valuation

NYSE:BFS • US8043951016

Current stock price

34.29 USD
+0.63 (+1.87%)
At close:
34.29 USD
0 (0%)
After Hours:

This BFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. BFS Profitability Analysis

1.1 Basic Checks

  • BFS had positive earnings in the past year.
  • BFS had a positive operating cash flow in the past year.
  • In the past 5 years BFS has always been profitable.
  • BFS had a positive operating cash flow in each of the past 5 years.
BFS Yearly Net Income VS EBIT VS OCF VS FCFBFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M

1.2 Ratios

  • BFS has a Return On Assets (1.22%) which is comparable to the rest of the industry.
  • BFS has a better Return On Equity (8.55%) than 82.79% of its industry peers.
  • BFS has a Return On Invested Capital of 4.50%. This is amongst the best in the industry. BFS outperforms 86.07% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for BFS is in line with the industry average of 3.12%.
Industry RankSector Rank
ROA 1.22%
ROE 8.55%
ROIC 4.5%
ROA(3y)1.72%
ROA(5y)1.88%
ROE(3y)10.74%
ROE(5y)10.23%
ROIC(3y)4.68%
ROIC(5y)4.78%
BFS Yearly ROA, ROE, ROICBFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BFS has a Profit Margin (9.03%) which is in line with its industry peers.
  • BFS's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 41.04%, BFS belongs to the best of the industry, outperforming 86.89% of the companies in the same industry.
  • In the last couple of years the Operating Margin of BFS has remained more or less at the same level.
  • BFS has a Gross Margin of 71.03%. This is in the better half of the industry: BFS outperforms 62.30% of its industry peers.
  • BFS's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 41.04%
PM (TTM) 9.03%
GM 71.03%
OM growth 3Y-2.82%
OM growth 5Y-0.41%
PM growth 3Y-17.14%
PM growth 5Y-6.56%
GM growth 3Y-1.25%
GM growth 5Y-0.99%
BFS Yearly Profit, Operating, Gross MarginsBFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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3

2. BFS Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BFS is destroying value.
  • BFS has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, BFS has more shares outstanding
  • BFS has a worse debt/assets ratio than last year.
BFS Yearly Shares OutstandingBFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
BFS Yearly Total Debt VS Total AssetsBFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • Based on the Altman-Z score of 0.37, we must say that BFS is in the distress zone and has some risk of bankruptcy.
  • BFS has a Altman-Z score (0.37) which is comparable to the rest of the industry.
  • The Debt to FCF ratio of BFS is 414.76, which is on the high side as it means it would take BFS, 414.76 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 414.76, BFS is in line with its industry, outperforming 59.84% of the companies in the same industry.
  • A Debt/Equity ratio of 5.20 is on the high side and indicates that BFS has dependencies on debt financing.
  • BFS has a Debt to Equity ratio of 5.20. This is amonst the worse of the industry: BFS underperforms 81.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.2
Debt/FCF 414.76
Altman-Z 0.37
ROIC/WACC0.72
WACC6.24%
BFS Yearly LT Debt VS Equity VS FCFBFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

2.3 Liquidity

  • BFS has a Current Ratio of 1.14. This is a normal value and indicates that BFS is financially healthy and should not expect problems in meeting its short term obligations.
  • BFS has a Current ratio of 1.14. This is in the better half of the industry: BFS outperforms 62.30% of its industry peers.
  • BFS has a Quick Ratio of 1.14. This is a normal value and indicates that BFS is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of BFS (1.14) is better than 63.11% of its industry peers.
Industry RankSector Rank
Current Ratio 1.14
Quick Ratio 1.14
BFS Yearly Current Assets VS Current LiabilitesBFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. BFS Growth Analysis

3.1 Past

  • The earnings per share for BFS have decreased strongly by -34.27% in the last year.
  • BFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.81% yearly.
  • Looking at the last year, BFS shows a quite strong growth in Revenue. The Revenue has grown by 8.10% in the last year.
  • Measured over the past years, BFS shows a small growth in Revenue. The Revenue has been growing by 2.99% on average per year.
EPS 1Y (TTM)-34.27%
EPS 3Y1.35%
EPS 5Y0.81%
EPS Q2Q%-48.28%
Revenue 1Y (TTM)8.1%
Revenue growth 3Y3.97%
Revenue growth 5Y2.99%
Sales Q2Q%10.64%

3.2 Future

  • BFS is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.41% yearly.
  • The Revenue is expected to grow by 4.00% on average over the next years.
EPS Next Y-16.86%
EPS Next 2Y-16.29%
EPS Next 3Y-11.47%
EPS Next 5Y-2.41%
Revenue Next Year0%
Revenue Next 2Y3.28%
Revenue Next 3Y4.07%
Revenue Next 5Y4%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BFS Yearly Revenue VS EstimatesBFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M
BFS Yearly EPS VS EstimatesBFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 2028 0.5 1 1.5

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4

4. BFS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 23.33 indicates a rather expensive valuation of BFS.
  • Based on the Price/Earnings ratio, BFS is valued cheaper than 81.15% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.47. BFS is around the same levels.
  • The Price/Forward Earnings ratio is 33.28, which means the current valuation is very expensive for BFS.
  • Based on the Price/Forward Earnings ratio, BFS is valued a bit cheaper than 76.23% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.62. BFS is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 23.33
Fwd PE 33.28
BFS Price Earnings VS Forward Price EarningsBFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as BFS.
  • Based on the Price/Free Cash Flow ratio, BFS is valued a bit cheaper than the industry average as 60.66% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 217.53
EV/EBITDA 13.55
BFS Per share dataBFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • BFS has a very decent profitability rating, which may justify a higher PE ratio.
  • A cheap valuation may be justified as BFS's earnings are expected to decrease with -11.47% in the coming years.
PEG (NY)N/A
PEG (5Y)28.94
EPS Next 2Y-16.29%
EPS Next 3Y-11.47%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BFS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.99%, BFS is a good candidate for dividend investing.
  • BFS's Dividend Yield is a higher than the industry average which is at 7.46.
  • BFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.99%

5.2 History

  • The dividend of BFS has a limited annual growth rate of 1.51%.
  • BFS has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BFS has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.51%
Div Incr Years0
Div Non Decr Years15
BFS Yearly Dividends per shareBFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • BFS pays out 259.68% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of BFS has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP259.68%
EPS Next 2Y-16.29%
EPS Next 3Y-11.47%
BFS Yearly Income VS Free CF VS DividendBFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M
BFS Dividend Payout.BFS Dividend Payout, showing the Payout Ratio.BFS Dividend Payout.PayoutRetained Earnings

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BFS Fundamentals: All Metrics, Ratios and Statistics

SAUL CENTERS INC

NYSE:BFS (4/23/2026, 8:04:00 PM)

After market: 34.29 0 (0%)

34.29

+0.63 (+1.87%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryDiversified REITs
Earnings (Last)02-27
Earnings (Next)04-30
Inst Owners46.8%
Inst Owner Change-0.06%
Ins Owners46.94%
Ins Owner Change8.2%
Market Cap840.11M
Revenue(TTM)291.56M
Net Income(TTM)26.32M
Analysts80
Price Target44.37 (29.4%)
Short Float %2.6%
Short Ratio5.07
Dividend
Industry RankSector Rank
Dividend Yield 6.99%
Yearly Dividend2.8
Dividend Growth(5Y)1.51%
DP259.68%
Div Incr Years0
Div Non Decr Years15
Ex-Date04-15
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-44.99%
Min EPS beat(2)-44.99%
Max EPS beat(2)-44.99%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.72%
Min Revenue beat(2)1.72%
Max Revenue beat(2)1.72%
Revenue beat(4)3
Avg Revenue beat(4)0.99%
Min Revenue beat(4)-1.45%
Max Revenue beat(4)1.99%
Revenue beat(8)5
Avg Revenue beat(8)-0.09%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.4%
PT rev (3m)-4.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-15.7%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.58%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)-5.44%
Revenue NY rev (3m)-5.44%
Valuation
Industry RankSector Rank
PE 23.33
Fwd PE 33.28
P/S 2.88
P/FCF 217.53
P/OCF 8.42
P/B 2.73
P/tB 2.73
EV/EBITDA 13.55
EPS(TTM)1.47
EY4.29%
EPS(NY)1.03
Fwd EY3%
FCF(TTM)0.16
FCFY0.46%
OCF(TTM)4.07
OCFY11.88%
SpS11.9
BVpS12.56
TBVpS12.56
PEG (NY)N/A
PEG (5Y)28.94
Graham Number20.3852 (-40.55%)
Profitability
Industry RankSector Rank
ROA 1.22%
ROE 8.55%
ROCE 5.69%
ROIC 4.5%
ROICexc 4.52%
ROICexgc 4.54%
OM 41.04%
PM (TTM) 9.03%
GM 71.03%
FCFM 1.32%
ROA(3y)1.72%
ROA(5y)1.88%
ROE(3y)10.74%
ROE(5y)10.23%
ROIC(3y)4.68%
ROIC(5y)4.78%
ROICexc(3y)4.7%
ROICexc(5y)4.81%
ROICexgc(3y)4.73%
ROICexgc(5y)4.85%
ROCE(3y)5.92%
ROCE(5y)6.05%
ROICexgc growth 3Y-3.18%
ROICexgc growth 5Y-1.32%
ROICexc growth 3Y-3%
ROICexc growth 5Y-1.38%
OM growth 3Y-2.82%
OM growth 5Y-0.41%
PM growth 3Y-17.14%
PM growth 5Y-6.56%
GM growth 3Y-1.25%
GM growth 5Y-0.99%
F-Score5
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 5.2
Debt/FCF 414.76
Debt/EBITDA 8.98
Cap/Depr 163.2%
Cap/Sales 32.9%
Interest Coverage 1.76
Cash Conversion 55.93%
Profit Quality 14.67%
Current Ratio 1.14
Quick Ratio 1.14
Altman-Z 0.37
F-Score5
WACC6.24%
ROIC/WACC0.72
Cap/Depr(3y)319.28%
Cap/Depr(5y)261.51%
Cap/Sales(3y)60.66%
Cap/Sales(5y)50.56%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-34.27%
EPS 3Y1.35%
EPS 5Y0.81%
EPS Q2Q%-48.28%
EPS Next Y-16.86%
EPS Next 2Y-16.29%
EPS Next 3Y-11.47%
EPS Next 5Y-2.41%
Revenue 1Y (TTM)8.1%
Revenue growth 3Y3.97%
Revenue growth 5Y2.99%
Sales Q2Q%10.64%
Revenue Next Year0%
Revenue Next 2Y3.28%
Revenue Next 3Y4.07%
Revenue Next 5Y4%
EBIT growth 1Y-0.83%
EBIT growth 3Y2.87%
EBIT growth 5Y4.39%
EBIT Next Year58.21%
EBIT Next 3Y19.85%
EBIT Next 5YN/A
FCF growth 1Y105.71%
FCF growth 3Y-3.52%
FCF growth 5Y-29.32%
OCF growth 1Y-17.68%
OCF growth 3Y-6.27%
OCF growth 5Y4.94%

SAUL CENTERS INC / BFS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SAUL CENTERS INC (BFS) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BFS.


What is the valuation status for BFS stock?

ChartMill assigns a valuation rating of 4 / 10 to SAUL CENTERS INC (BFS). This can be considered as Fairly Valued.


How profitable is SAUL CENTERS INC (BFS) stock?

SAUL CENTERS INC (BFS) has a profitability rating of 6 / 10.


What is the valuation of SAUL CENTERS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SAUL CENTERS INC (BFS) is 23.33 and the Price/Book (PB) ratio is 2.73.


How sustainable is the dividend of SAUL CENTERS INC (BFS) stock?

The dividend rating of SAUL CENTERS INC (BFS) is 6 / 10 and the dividend payout ratio is 259.68%.