WallStSmart

Fathom Holdings Inc (FTHM)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TBB leads profitability with a 0.0% profit margin vs -6.3%. FTHM earns a higher WallStSmart Score of 30/100 (F).

FTHM

Avoid

30

out of 100

Grade: F

Growth: 3.3Profit: 2.0Value: 6.7Quality: 5.5
Piotroski: 4/9Altman Z: 3.11

TBB

Avoid

25

out of 100

Grade: F

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FTHMUndervalued (+88.9%)

Margin of Safety

+88.9%

Fair Value

$9.18

Current Price

$0.58

$8.60 discount

UndervaluedFair: $9.18Overvalued

Intrinsic value data unavailable for TBB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FTHM2 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.1110/10

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

FTHM4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$24.36M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.243/10

Elevated debt levels

Return on EquityProfitability
-54.2%2/10

ROE of -54.2% — below average capital efficiency

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 : FTHM

The strongest argument for FTHM centers on Price/Book, Altman Z-Score.

Bull Case : TBB

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

Bear Case : FTHM

The primary concerns for FTHM are EPS Growth, Market Cap, Debt/Equity.

Bear Case : TBB

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

Key Dynamics to Monitor

FTHM profiles as a turnaround stock while TBB is a value play — different risk/reward profiles.

TBB is growing revenue faster at 0.0% — 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

FTHM scores higher overall (30/100 vs 25/100). Both earn "Avoid" 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.

Fathom Holdings Inc

REAL ESTATE · REAL ESTATE SERVICES · USA

Fathom Holdings Inc. provides cloud-based real estate brokerage services in the southern, Atlantic, southwestern, and western parts of the United States. The company is headquartered in Cary, North Carolina.

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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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