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Upturn AI Summary - About
Saul Centers Inc(BFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BFS
11/06/2026: BFS (1-star) is currently NOT-A-BUY. Pass it for now.
Saul Centers Inc is a self-managed REIT focused on suburban and urban shopping centers, particularly in the Mid-Atlantic region. The company's primary strength lies in its portfolio of grocery-anchored, necessity-based retail properties, which generally provide steady, long-term cash flows. Its main growth opportunity involves the ongoing redevelopment of aging retail centers into denser, mixed-use projects incorporating residential units. However, risks include geographic concentration in the DC/Baltimore market, sensitivity to rising interest rates, and competition from larger national retail landlords. The stock may best suit dividend-oriented investors, and key developments to monitor include future interest rate trends and the success of upcoming mixed-use development projects.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature, income-focused REIT with limited prospects for rapid capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volatility and lacks the rapid price action sought by momentum strategies. |
| Value investor | Mixed fit | Investors may find interest if the stock trades at a significant discount to Net Asset Value (NAV). |
| Dividend investor | Strong fit | The company's commitment to paying regular dividends makes it suitable for income-seeking portfolios. |
| Low-risk investor | Mixed fit | While assets are stable, the company's regional concentration and debt levels introduce risk factors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | As a smaller-cap REIT, the stock can experience price swings depending on interest rate sentiment. |
| Valuation risk | Medium | Property valuations are sensitive to cap rate expansion, which can occur during periods of high interest rates. |
| Competition risk (Retail REIT space) | Medium / high | The company faces significant competition for high-quality tenants from much larger, well-capitalized national REITs. |
| Business quality | Medium | The portfolio is stable but geographically concentrated, limiting broader market diversification. |
| Dividend income | Medium | Dividend security depends on the company's ability to maintain high occupancy in its retail centers. |
| Execution risk | Medium | Redevelopment and mixed-use projects carry inherent construction and leasing risks. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 5.58% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 991.17M USD | Price to earnings Ratio 29.12 | 1Y Target Price 43 |
Price to earnings Ratio 29.12 | 1Y Target Price 43 | ||
Volume (30-day avg) 140.5K shares | Beta 0.9 | 52 Weeks Range 27.53 - 37.04 | Updated Date 11/06/2026 |
52 Weeks Range 27.53 - 37.04 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 8.19% | Basic EPS (TTM) 0.98 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Retail Property Leasing | Rental income from community and neighborhood shopping centers, mostly anchored by grocery stores. | Most revenue comes from stable rent paid by necessity retailers, providing a predictable income stream. |
| Mixed-Use/Residential | Income from apartments and office spaces integrated into their shopping center locations. | This segment offers potential for higher revenue growth through increased property density. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-05 | When After Market | Estimate 0.15 | Actual 0.72 |
Profitability
Profit Margin 10.97% | Operating Margin (TTM) 41.9% |
Management Effectiveness
Return on Assets (TTM) 3.58% | Return on Equity (TTM) 9.33% |
Valuation
Trailing PE 29.12 | Forward PE 178.57 | Enterprise Value 2.50B | Price to Sales(TTM) 3.21 |
Enterprise Value 2.50B | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 8.26 | Enterprise Value to EBITDA 13.76 | Shares Outstanding 24.72M | Shares Floating 13.80M |
Shares Outstanding 24.72M | Shares Floating 13.80M | ||
Percent Insiders 46.83 | Percent Institutions 47.39 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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