WallStSmart

Agree Realty Corporation (ADC)vsCBL & Associates Properties Inc (CBL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Agree Realty Corporation generates 30% more annual revenue ($718.40M vs $553.64M). ADC leads profitability with a 28.4% profit margin vs 22.6%. CBL trades at a lower P/E of 8.1x. CBL earns a higher WallStSmart Score of 70/100 (B).

ADC

Strong Buy

68

out of 100

Grade: B-

Growth: 7.3Profit: 7.0Value: 7.3Quality: 3.8
Piotroski: 2/9Altman Z: 1.25

CBL

Strong Buy

70

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 8.3Quality: 4.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ADCSignificantly Overvalued (-48.5%)

Margin of Safety

-48.5%

Fair Value

$51.68

Current Price

$74.22

$22.54 premium

UndervaluedFair: $51.68Overvalued
CBLUndervalued (+81.1%)

Margin of Safety

+81.1%

Fair Value

$187.20

Current Price

$37.41

$149.79 discount

UndervaluedFair: $187.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ADC5 strengths · Avg: 9.4/10
PEG RatioValuation
0.1310/10

Growing faster than its price suggests

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
48.3%10/10

Strong operational efficiency at 48.3%

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

Revenue GrowthGrowth
18.5%8/10

18.5% revenue growth

CBL4 strengths · Avg: 9.3/10
P/E RatioValuation
8.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
38.6%10/10

Every $100 of equity generates 39 in profit

Profit MarginProfitability
22.6%9/10

Keeps 23 of every $100 in revenue as profit

Operating MarginProfitability
22.7%8/10

Strong operational efficiency at 22.7%

Areas to Watch

ADC4 concerns · Avg: 2.5/10
Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
42.5x2/10

Premium valuation, high expectations priced in

Free Cash FlowQuality
$-1.47B2/10

Negative free cash flow — burning cash

CBL3 concerns · Avg: 2.7/10
EPS GrowthGrowth
3.6%4/10

3.6% earnings growth

Market CapQuality
$993.50M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
5.791/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : ADC

The strongest argument for ADC centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.4% and operating margin at 48.3%. Revenue growth of 18.5% demonstrates continued momentum.

Bull Case : CBL

The strongest argument for CBL centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 22.6% and operating margin at 22.7%. Revenue growth of 11.3% demonstrates continued momentum.

Bear Case : ADC

The primary concerns for ADC are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 42.5x leaves little room for execution misses.

Bear Case : CBL

The primary concerns for CBL are EPS Growth, Market Cap, Debt/Equity. Debt-to-equity of 5.79 is elevated, increasing financial risk.

Key Dynamics to Monitor

ADC profiles as a growth stock while CBL is a mature play — different risk/reward profiles.

CBL carries more volatility with a beta of 1.53 — expect wider price swings.

ADC is growing revenue faster at 18.5% — sustainability is the question.

CBL generates stronger free cash flow (86M), providing more financial flexibility.

Bottom Line

CBL scores higher overall (70/100 vs 68/100), backed by strong 22.6% margins and 11.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Agree Realty Corporation

REAL ESTATE · REIT - RETAIL · USA

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of net leased properties to industry leading retail tenants.

CBL & Associates Properties Inc

REAL ESTATE · REIT - RETAIL · USA

CBL & Associates Properties Inc. is a leading real estate investment trust (REIT) specializing in the acquisition, management, and redevelopment of shopping malls and retail properties across the United States. The company is adept at navigating the evolving retail landscape by incorporating mixed-use developments and experiential offerings that enhance tenant engagement and operational efficiency. CBL is committed to maximizing asset value through innovative investment and management strategies, while also prioritizing sustainability within its operations. With its strategic focus on sustainable growth and enhancing shareholder value, CBL presents a compelling investment opportunity for institutional investors seeking long-term returns in the retail real estate sector.

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