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SAUL CENTERS, INC.

Data quality: 100%
Also listed as BFS-PE NYSE
BFS-PD
NYSE Financial Services Holding & Investment Offices
$20.30
▼ $0.09 (-0.44%)
Mkt Cap: 1.38 B
Price
$20.30
Mkt Cap
1.38 B
Day Range
$20.25 — $20.40
52-Week Range
$19.31 — $23.10
Volume
11,615
Open $20.38
50D / 200D Avg
$21.01
3.40% below
50D / 200D Avg
$21.37
4.99% below

Quick Summary

Key Takeaways

Revenue grew 4.92% annually over 5 years — modest growth
Earnings declined -25.94% over the past year
ROE of 11.74% — decent returns on equity
Debt/Equity of 5.02 — high leverage
Generating 99.80 M in free cash flow
P/E of 36.82 — premium valuation

Growth

Revenue Growth (5Y)
4.92%
Below sector avg (5.83%)
Revenue (1Y)7.81%
Earnings (1Y)-25.94%
FCF Growth (3Y)-7.93%

Quality

Return on Equity
11.74%
Above sector avg (9.24%)
ROIC7.16%
Net Margin12.94%
Op. Margin67.39%

Safety

Debt / Equity
5.02
Above sector avg (0.49)
Current RatioN/A
Interest Coverage2.76

Valuation

PE (TTM)
36.82
Above sector avg (11.15)
P/B Ratio4.36
EV/EBITDA11.64
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E 36.8 11.2
P/B 4.4 1.2
ROE % 11.7 9.2
Net Margin % 12.9 9.4
Rev Growth 5Y % 4.9 5.8
D/E 5.0 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) 7.81% Revenue Growth (3Y) 6.15%
Earnings Growth (1Y) -25.94% Earnings Growth (3Y) -15.62%
Revenue Growth (5Y) 4.92% Earnings Growth (5Y) -6.17%
Profitability
Revenue (TTM) 289.84 M Net Income (TTM) 37.51 M
ROE 11.74% ROA 1.74%
Gross Margin N/A Operating Margin 67.39%
Net Margin 12.94% Free Cash Flow (TTM) 99.80 M
ROIC 7.16% FCF Growth (3Y) -7.93%
Safety
Debt / Equity 5.02 Current Ratio N/A
Interest Coverage 2.76 Asset Turnover 0.13
Working Capital N/A Tangible Book Value 316.63 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 36.82 Forward P/E N/A
P/B Ratio 4.36 P/S Ratio 4.76
PEG Ratio N/A Forward PEG N/A
EV/EBITDA 11.64 Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 7.23%
Market Cap 1.38 B Enterprise Value 2.96 B
Per Share
EPS (Diluted TTM) 1.09 Revenue / Share 4.26
FCF / Share 1.47 OCF / Share 1.47
EPS CAGR (1Y) -33.13% EPS CAGR (5Y) -8.72%
EPS CAGR (10Y) -3.63%
Efficiency
CapEx / Revenue N/A FCF Conversion 266.04%
SBC-Adj. FCF 97.76 M Growth Momentum 2.89

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 289.84 M 268.85 M 257.21 M 245.86 M 239.23 M
Net Income 37.51 M 50.65 M 52.69 M 50.19 M 48.39 M
EPS (Diluted) 1.09 1.63 1.73 1.63 1.57
Gross Profit — — 190.07 M 181.34 M 177.60 M
Operating Income 195.32 M 203.77 M — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 58.78 M 50.50 M 48.43 M 48.97 M 50.27 M
Interest Expense 70.71 M 53.86 M 49.45 M 44.01 M 45.43 M
Income Tax — — — — —

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.16 B 2.13 B 1.99 B 1.83 B 1.75 B
Total Liabilities 1.69 B 1.63 B 1.49 B 1.31 B 1.22 B
Shareholders' Equity 307.82 M 335.75 M 348.39 M 400.48 M 405.05 M
Total Debt 468.45 M 455.79 M 332.33 M 320.80 M 237.41 M
Cash & Equivalents 8.74 M 10.30 M 8.41 M 13.28 M 14.59 M
Current Assets — — — — —
Current Liabilities — — — — —