WallStSmart

American Realty Investors Inc (ARL)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ARL leads profitability with a 16.1% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. ARL earns a higher WallStSmart Score of 46/100 (D+).

ARL

Hold

46

out of 100

Grade: D+

Growth: 8.0Profit: 4.0Value: 3.7Quality: 8.0
Piotroski: 3/9Altman Z: 3.12

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ARL3 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
142.2%10/10

Earnings expanding 142.2% YoY

Altman Z-ScoreHealth
3.1210/10

Safe zone — low bankruptcy risk

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

Areas to Watch

ARL4 concerns · Avg: 3.3/10
P/E RatioValuation
30.9x4/10

Premium valuation, high expectations priced in

Market CapQuality
$251.97M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.0%3/10

ROE of 2.0% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : ARL

The strongest argument for ARL centers on Price/Book, EPS Growth, Altman Z-Score. Profitability is solid with margins at 16.1% and operating margin at -16.1%.

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

Bear Case : ARL

The primary concerns for ARL are P/E Ratio, Market Cap, Return on Equity.

Bear Case : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

Key Dynamics to Monitor

ARL profiles as a mature stock while TBB is a value play — different risk/reward profiles.

ARL is growing revenue faster at 9.0% — sustainability is the question.

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

Monitor REAL ESTATE SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ARL scores higher overall (46/100 vs 25/100), backed by strong 16.1% margins. Both earn "Hold" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

American Realty Investors Inc

REAL ESTATE · REAL ESTATE SERVICES · USA

American Realty Investors, Inc. acquires, develops and owns multi-family apartment communities and commercial real estate in the Southwest, Southeast, and Midwest of the United States. The company is headquartered in Dallas, Texas.

AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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