WallStSmart

Ladder Capital Corp Class A (LADR)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

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Smart Verdict

WallStSmart Research — data-driven comparison

LADR leads profitability with a 36.2% profit margin vs 0.0%. TBB trades at a lower P/E of 3.5x. LADR earns a higher WallStSmart Score of 76/100 (B+).

LADR

Strong Buy

76

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 6.7Quality: 3.0
Piotroski: 2/9Altman Z: 0.25

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 6.7Quality: 3.5
Piotroski: 4/9Altman Z: 0.87
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LADRUndervalued (+2.9%)

Margin of Safety

+2.9%

Fair Value

$10.86

Current Price

$9.15

$1.71 discount

UndervaluedFair: $10.86Overvalued

Intrinsic value data unavailable for TBB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LADR6 strengths · Avg: 10.0/10
P/E RatioValuation
11.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
36.2%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
59.5%10/10

Strong operational efficiency at 59.5%

Revenue GrowthGrowth
96.4%10/10

Revenue surging 96.4% year-over-year

EPS GrowthGrowth
253.3%10/10

Earnings expanding 253.3% YoY

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.5x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.43B8/10

Generating 5.4B in free cash flow

Areas to Watch

LADR4 concerns · Avg: 3.3/10
PEG RatioValuation
1.894/10

Expensive relative to growth rate

Market CapQuality
$1.18B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.8%3/10

ROE of 3.8% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

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 : LADR

The strongest argument for LADR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.2% and operating margin at 59.5%. Revenue growth of 96.4% demonstrates continued momentum.

Bull Case : TBB

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

Bear Case : LADR

The primary concerns for LADR are PEG Ratio, Market Cap, Return on Equity. Debt-to-equity of 2.97 is elevated, increasing financial risk.

Bear Case : TBB

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

Key Dynamics to Monitor

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

LADR is growing revenue faster at 96.4% — sustainability is the question.

TBB generates stronger free cash flow (5.4B), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LADR scores higher overall (76/100 vs 25/100), backed by strong 36.2% margins and 96.4% 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.

Ladder Capital Corp Class A

REAL ESTATE · REIT - MORTGAGE · USA

Ladder Capital Corp is a real estate investment trust in the United States. The company is headquartered in New York, New York.

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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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