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 1357% more annual revenue ($2.21B vs $151.92M). MAA leads profitability with a 17.6% profit margin vs -7.1%. MAA earns a higher WallStSmart Score of 50/100 (D+).

CLPR

Avoid

32

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 6.7Quality: 7.0
Piotroski: 4/9Altman Z: 0.11

MAA

Hold

50

out of 100

Grade: D+

Growth: 3.3Profit: 7.0Value: 3.7Quality: 3.0
Piotroski: 3/9Altman Z: 0.68
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CLPRUndervalued (+49.3%)

Margin of Safety

+49.3%

Fair Value

$6.72

Current Price

$2.72

$4.00 discount

UndervaluedFair: $6.72Overvalued

Intrinsic value data unavailable for MAA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CLPR2 strengths · Avg: 9.0/10
Debt/EquityHealth
-35.1710/10

Conservative balance sheet, low leverage

Operating MarginProfitability
21.0%8/10

Strong operational efficiency at 21.0%

MAA2 strengths · Avg: 8.0/10
Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

Areas to Watch

CLPR4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$119.57M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-399.9%2/10

ROE of -399.9% — below average capital efficiency

Revenue GrowthGrowth
-3.3%2/10

Revenue declined 3.3%

MAA4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.8%4/10

0.8% revenue growth

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Debt/EquityHealth
1.023/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

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 Price/Book, Operating Margin. Profitability is solid with margins at 17.6% and operating margin at 26.6%.

Bear Case : CLPR

The primary concerns for CLPR are EPS Growth, Market Cap, Return on Equity.

Bear Case : MAA

The primary concerns for MAA are Revenue Growth, Return on Equity, Debt/Equity. A P/E of 40.9x leaves little room for execution misses.

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 0.94 — expect wider price swings.

MAA is growing revenue faster at 0.8% — sustainability is the question.

MAA generates stronger free cash flow (16M), providing more financial flexibility.

Bottom Line

MAA scores higher overall (50/100 vs 32/100), backed by strong 17.6% margins. CLPR offers better value entry with a 49.3% margin of safety. 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.

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, ownership, and management of multifamily residential properties, which include both rent-regulated and market-rate units. With a strategically diversified portfolio concentrated in urban markets, the company is poised to capitalize on the rising demand for urban living, thereby enhancing property values and maximizing shareholder returns. Led by an experienced management team, Clipper Realty remains dedicated to sustainable growth and delivering attractive risk-adjusted returns, positioning itself as a compelling investment opportunity within the urban multifamily space.

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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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