WallStSmart

Clipper Realty Inc (CLPR)vsMid-America Apartment Communities Inc (MAA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mid-America Apartment Communities Inc generates 1342% more annual revenue ($2.21B vs $153.20M). MAA leads profitability with a 20.2% profit margin vs -13.0%. MAA earns a higher WallStSmart Score of 52/100 (C-).

CLPR

Avoid

32

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.13

MAA

Buy

52

out of 100

Grade: C-

Growth: 3.3Profit: 7.0Value: 4.7Quality: 3.3
Piotroski: 2/9Altman Z: 0.78
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CLPR.

MAASignificantly Overvalued (-429.3%)

Margin of Safety

-429.3%

Fair Value

$25.70

Current Price

$121.64

$95.94 premium

UndervaluedFair: $25.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CLPR2 strengths · Avg: 9.0/10
Debt/EquityHealth
-50.8610/10

Conservative balance sheet, low leverage

Operating MarginProfitability
21.7%8/10

Strong operational efficiency at 21.7%

MAA3 strengths · Avg: 8.3/10
Profit MarginProfitability
20.2%9/10

Keeps 20 of every $100 in revenue as profit

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Operating MarginProfitability
28.4%8/10

Strong operational efficiency at 28.4%

Areas to Watch

CLPR4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$133.76M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-4.0%2/10

ROE of -4.0% — below average capital efficiency

MAA4 concerns · Avg: 3.5/10
P/E RatioValuation
32.2x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Return on EquityProfitability
7.6%3/10

ROE of 7.6% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CLPR

The strongest argument for CLPR centers on Debt/Equity, Operating Margin.

Bull Case : MAA

The strongest argument for MAA centers on Profit Margin, Price/Book, Operating Margin. Profitability is solid with margins at 20.2% and operating margin at 28.4%.

Bear Case : CLPR

The primary concerns for CLPR are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : MAA

The primary concerns for MAA are P/E Ratio, Revenue Growth, Return on Equity.

Key Dynamics to Monitor

CLPR profiles as a turnaround stock while MAA is a value play — different risk/reward profiles.

CLPR carries more volatility with a beta of 0.96 — expect wider price swings.

MAA is growing revenue faster at 1.0% — sustainability is the question.

MAA generates stronger free cash flow (159M), providing more financial flexibility.

Bottom Line

MAA scores higher overall (52/100 vs 32/100), backed by strong 20.2% margins. Both earn "Buy" 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.

Clipper Realty Inc

REAL ESTATE · REIT - RESIDENTIAL · USA

Clipper Realty Inc. is a New York-based real estate investment trust (REIT) focused on the acquisition, operation, and management of multifamily residential properties, including both rent-regulated and market-rate units. The company boasts a diversified portfolio that caters to the growing demand for urban housing, strategically enhancing its properties to maximize investor returns. With a seasoned management team at the helm, Clipper Realty is well-equipped to navigate the complexities of the real estate landscape while prioritizing sustainable growth and delivering compelling risk-adjusted returns for its stakeholders.

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Mid-America Apartment Communities Inc

REAL ESTATE · REIT - RESIDENTIAL · USA

Mid-America Apartment Communities (MAA) is a publicly traded real estate investment trust based in Memphis, Tennessee that invests in apartments in the Southeastern United States and the Southwestern United States.

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