WallStSmart

Mid-America Apartment Communities Inc (MAA)vsUDR Inc (UDR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mid-America Apartment Communities Inc generates 26% more annual revenue ($2.21B vs $1.75B). UDR leads profitability with a 21.6% profit margin vs 20.2%. MAA appears more attractively valued with a PEG of 7.03. UDR earns a higher WallStSmart Score of 59/100 (C).

MAA

Buy

52

out of 100

Grade: C-

Growth: 5.3Profit: 7.0Value: 4.7Quality: 3.3
Piotroski: 2/9Altman Z: 0.78

UDR

Buy

59

out of 100

Grade: C

Growth: 8.0Profit: 6.5Value: 6.7Quality: 3.8
Piotroski: 5/9Altman Z: 0.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MAASignificantly Overvalued (-429.3%)

Margin of Safety

-429.3%

Fair Value

$25.70

Current Price

$122.38

$96.68 premium

UndervaluedFair: $25.70Overvalued
UDRUndervalued (+22.0%)

Margin of Safety

+22.0%

Fair Value

$51.01

Current Price

$34.11

$16.90 discount

UndervaluedFair: $51.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MAA4 strengths · Avg: 8.8/10
Revenue GrowthGrowth
100.0%10/10

Revenue surging 100.0% year-over-year

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%

UDR4 strengths · Avg: 9.3/10
Revenue GrowthGrowth
150.0%10/10

Revenue surging 150.0% year-over-year

EPS GrowthGrowth
97.6%10/10

Earnings expanding 97.6% YoY

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

Areas to Watch

MAA4 concerns · Avg: 3.0/10
P/E RatioValuation
32.2x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
7.032/10

Expensive relative to growth rate

UDR3 concerns · Avg: 2.7/10
P/E RatioValuation
31.3x4/10

Premium valuation, high expectations priced in

PEG RatioValuation
8.172/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.082/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : MAA

The strongest argument for MAA centers on Revenue Growth, Profit Margin, Price/Book. Profitability is solid with margins at 20.2% and operating margin at 28.4%. Revenue growth of 100.0% demonstrates continued momentum.

Bull Case : UDR

The strongest argument for UDR centers on Revenue Growth, EPS Growth, Profit Margin. Profitability is solid with margins at 21.6% and operating margin at 22.2%. Revenue growth of 150.0% demonstrates continued momentum.

Bear Case : MAA

The primary concerns for MAA are P/E Ratio, Return on Equity, Piotroski F-Score.

Bear Case : UDR

The primary concerns for UDR are P/E Ratio, PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

MAA carries more volatility with a beta of 0.77 — expect wider price swings.

UDR is growing revenue faster at 150.0% — sustainability is the question.

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

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

Bottom Line

UDR scores higher overall (59/100 vs 52/100), backed by strong 21.6% margins and 150.0% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

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.

UDR Inc

REAL ESTATE · REIT - RESIDENTIAL · USA

UDR Inc. is a publicly traded real estate investment trust that invests in apartments. The company is organized in Maryland with its headquarters in Highlands Ranch, Colorado.

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