WallStSmart

The Andersons Inc (ANDE)vsAMCON Distributing Company (DIT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Andersons Inc generates 349% more annual revenue ($10.94B vs $2.44B). ANDE leads profitability with a 1.6% profit margin vs 0.1%. ANDE appears more attractively valued with a PEG of 0.90. ANDE earns a higher WallStSmart Score of 63/100 (C+).

ANDE

Buy

63

out of 100

Grade: C+

Growth: 4.7Profit: 5.0Value: 8.7Quality: 7.0
Piotroski: 5/9Altman Z: 4.07

DIT

Buy

57

out of 100

Grade: C

Growth: 8.0Profit: 4.0Value: 4.0Quality: 6.0
Piotroski: 1/9Altman Z: 8.24
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ANDEUndervalued (+39.2%)

Margin of Safety

+39.2%

Fair Value

$113.59

Current Price

$70.97

$42.62 discount

UndervaluedFair: $113.59Overvalued
DITSignificantly Overvalued (-44.4%)

Margin of Safety

-44.4%

Fair Value

$78.27

Current Price

$64.78

$13.49 premium

UndervaluedFair: $78.27Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANDE5 strengths · Avg: 8.8/10
EPS GrowthGrowth
618.0%10/10

Earnings expanding 618.0% YoY

Altman Z-ScoreHealth
4.0710/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.908/10

Growing faster than its price suggests

P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

DIT3 strengths · Avg: 10.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.7%10/10

Earnings expanding 100.7% YoY

Altman Z-ScoreHealth
8.2410/10

Safe zone — low bankruptcy risk

Areas to Watch

ANDE3 concerns · Avg: 2.7/10
Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Operating MarginProfitability
1.6%3/10

Operating margin of 1.6%

Revenue GrowthGrowth
-1.2%2/10

Revenue declined 1.2%

DIT4 concerns · Avg: 3.3/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Market CapQuality
$63.23M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.4%3/10

ROE of 0.4% — below average capital efficiency

Profit MarginProfitability
0.1%3/10

0.1% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : ANDE

The strongest argument for ANDE centers on EPS Growth, Altman Z-Score, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : DIT

The strongest argument for DIT centers on Price/Book, EPS Growth, Altman Z-Score. Revenue growth of 13.3% demonstrates continued momentum. PEG of 1.10 suggests the stock is reasonably priced for its growth.

Bear Case : ANDE

The primary concerns for ANDE are Profit Margin, Operating Margin, Revenue Growth. Thin 1.6% margins leave little buffer for downturns.

Bear Case : DIT

The primary concerns for DIT are P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 1.74 is elevated, increasing financial risk. Thin 0.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

ANDE carries more volatility with a beta of 0.64 — expect wider price swings.

DIT is growing revenue faster at 13.3% — sustainability is the question.

ANDE generates stronger free cash flow (412M), providing more financial flexibility.

Monitor FOOD DISTRIBUTION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ANDE scores higher overall (63/100 vs 57/100). Both earn "Buy" and "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.

The Andersons Inc

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

Andersons, Inc., an agricultural company, operates in the commerce, ethanol, plant nutrients, and railroad sectors in the United States and internationally. The company is headquartered in Maumee, Ohio.

AMCON Distributing Company

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

AMCON Distributing Company is engaged in the wholesale distribution of consumer products in the Central, Rocky Mountain and Mid-South regions of the United States. The company is headquartered in Omaha, Nebraska.

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