WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Mid-America Apartment Communities Inc generates 25% more annual revenue ($2.21B vs $1.77B). UDR leads profitability with a 27.8% profit margin vs 17.6%. MAA appears more attractively valued with a PEG of 7.03. UDR earns a higher WallStSmart Score of 61/100 (C+).

MAA

Hold

50

out of 100

Grade: D+

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

UDR

Buy

61

out of 100

Grade: C+

Growth: 6.0Profit: 7.0Value: 6.0Quality: 3.8
Piotroski: 5/9Altman Z: 0.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MAAFair Value (-4.4%)

Margin of Safety

-4.4%

Fair Value

$130.28

Current Price

$125.71

$4.57 premium

UndervaluedFair: $130.28Overvalued
UDRUndervalued (+36.7%)

Margin of Safety

+36.7%

Fair Value

$62.84

Current Price

$36.92

$25.92 discount

UndervaluedFair: $62.84Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MAA2 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Operating MarginProfitability
26.6%8/10

Strong operational efficiency at 26.6%

UDR3 strengths · Avg: 9.0/10
EPS GrowthGrowth
151.6%10/10

Earnings expanding 151.6% YoY

Profit MarginProfitability
27.8%9/10

Keeps 28 of every $100 in revenue as profit

Operating MarginProfitability
22.0%8/10

Strong operational efficiency at 22.0%

Areas to Watch

MAA4 concerns · Avg: 3.5/10
P/E RatioValuation
39.4x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
0.8%4/10

0.8% revenue growth

Return on EquityProfitability
6.7%3/10

ROE of 6.7% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

UDR4 concerns · Avg: 3.0/10
P/E RatioValuation
25.3x4/10

Moderate valuation

Revenue GrowthGrowth
4.2%4/10

4.2% revenue growth

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

Bull Case : UDR

The strongest argument for UDR centers on EPS Growth, Profit Margin, Operating Margin. Profitability is solid with margins at 27.8% and operating margin at 22.0%.

Bear Case : MAA

The primary concerns for MAA are P/E Ratio, Revenue Growth, Return on Equity.

Bear Case : UDR

The primary concerns for UDR are P/E Ratio, Revenue Growth, PEG Ratio.

Key Dynamics to Monitor

MAA carries more volatility with a beta of 0.76 — expect wider price swings.

UDR is growing revenue faster at 4.2% — sustainability is the question.

UDR generates stronger free cash flow (84M), providing more financial flexibility.

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

Bottom Line

UDR scores higher overall (61/100 vs 50/100), backed by strong 27.8% margins. Both earn "Buy" and "Hold" 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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