WallStSmart

St Joe Company (JOE)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JOE leads profitability with a 22.5% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. JOE earns a higher WallStSmart Score of 68/100 (B-).

JOE

Strong Buy

68

out of 100

Grade: B-

Growth: 9.3Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 7/9Altman Z: 2.06

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

JOEOvervalued (-9.8%)

Margin of Safety

-9.8%

Fair Value

$62.40

Current Price

$65.86

$3.46 premium

UndervaluedFair: $62.40Overvalued

Intrinsic value data unavailable for TBB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JOE4 strengths · Avg: 8.8/10
Operating MarginProfitability
34.5%10/10

Strong operational efficiency at 34.5%

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

Revenue GrowthGrowth
23.0%8/10

Revenue surging 23.0% year-over-year

EPS GrowthGrowth
39.2%8/10

Earnings expanding 39.2% YoY

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

JOE1 concerns · Avg: 4.0/10
P/E RatioValuation
30.0x4/10

Moderate valuation

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 : JOE

The strongest argument for JOE centers on Operating Margin, Profit Margin, Revenue Growth. Profitability is solid with margins at 22.5% and operating margin at 34.5%. Revenue growth of 23.0% demonstrates continued momentum.

Bull Case : TBB

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

Bear Case : JOE

The primary concerns for JOE are P/E Ratio.

Bear Case : TBB

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

Key Dynamics to Monitor

JOE profiles as a growth stock while TBB is a value play — different risk/reward profiles.

JOE is growing revenue faster at 23.0% — sustainability is the question.

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

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

Bottom Line

JOE scores higher overall (68/100 vs 25/100), backed by strong 22.5% margins and 23.0% revenue growth. Both earn "Strong 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.

St Joe Company

REAL ESTATE · REAL ESTATE - DIVERSIFIED · USA

The St. Joe Company is a real estate development, asset management and operation company in Northwest Florida, USA. The company is headquartered in Panama City Beach, Florida.

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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