UMH PROPERTIES INC (UMH) Fundamental Analysis & Valuation

NYSE:UMH • US9030021037

Current stock price

15.62 USD
+0.12 (+0.77%)
Last:

This UMH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UMH Profitability Analysis

1.1 Basic Checks

  • UMH had positive earnings in the past year.
  • UMH had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: UMH reported negative net income in multiple years.
  • UMH had a positive operating cash flow in 4 of the past 5 years.
UMH Yearly Net Income VS EBIT VS OCF VS FCFUMH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.35%, UMH is doing worse than 70.00% of the companies in the same industry.
  • UMH has a worse Return On Equity (0.66%) than 70.00% of its industry peers.
  • The Return On Invested Capital of UMH (2.32%) is comparable to the rest of the industry.
  • UMH had an Average Return On Invested Capital over the past 3 years of 2.22%. This is in line with the industry average of 2.73%.
  • The last Return On Invested Capital (2.32%) for UMH is above the 3 year average (2.22%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.35%
ROE 0.66%
ROIC 2.32%
ROA(3y)-0.03%
ROA(5y)-0.23%
ROE(3y)-0.1%
ROE(5y)-0.81%
ROIC(3y)2.22%
ROIC(5y)2.16%
UMH Yearly ROA, ROE, ROICUMH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5 -10

1.3 Margins

  • The Profit Margin of UMH (2.28%) is worse than 70.00% of its industry peers.
  • With a Operating Margin value of 18.70%, UMH perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • UMH's Operating Margin has improved in the last couple of years.
  • UMH has a worse Gross Margin (54.71%) than 70.00% of its industry peers.
  • In the last couple of years the Gross Margin of UMH has remained more or less at the same level.
Industry RankSector Rank
OM 18.7%
PM (TTM) 2.28%
GM 54.71%
OM growth 3Y3.63%
OM growth 5Y1.57%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.45%
GM growth 5Y0.8%
UMH Yearly Profit, Operating, Gross MarginsUMH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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4

2. UMH Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UMH is destroying value.
  • UMH has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for UMH has been increased compared to 5 years ago.
  • UMH has a worse debt/assets ratio than last year.
UMH Yearly Shares OutstandingUMH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
UMH Yearly Total Debt VS Total AssetsUMH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of 1.29, we must say that UMH is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of UMH (1.29) is better than 65.00% of its industry peers.
  • UMH has a Debt/Equity ratio of 0.84. This is a neutral value indicating UMH is somewhat dependend on debt financing.
  • The Debt to Equity ratio of UMH (0.84) is better than 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF N/A
Altman-Z 1.29
ROIC/WACC0.32
WACC7.14%
UMH Yearly LT Debt VS Equity VS FCFUMH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 3.81 indicates that UMH has no problem at all paying its short term obligations.
  • UMH has a Current ratio of 3.81. This is amongst the best in the industry. UMH outperforms 100.00% of its industry peers.
  • A Quick Ratio of 2.43 indicates that UMH has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.43, UMH belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.81
Quick Ratio 2.43
UMH Yearly Current Assets VS Current LiabilitesUMH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. UMH Growth Analysis

3.1 Past

  • UMH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 130.64%, which is quite impressive.
  • UMH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.81%.
  • Measured over the past years, UMH shows a quite strong growth in Revenue. The Revenue has been growing by 9.86% on average per year.
EPS 1Y (TTM)130.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2957.14%
Revenue 1Y (TTM)8.81%
Revenue growth 3Y10.16%
Revenue growth 5Y9.86%
Sales Q2Q%8.23%

3.2 Future

  • UMH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.81% yearly.
  • UMH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.05% yearly.
EPS Next Y76.75%
EPS Next 2Y28.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.6%
Revenue Next 2Y3.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UMH Yearly Revenue VS EstimatesUMH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
UMH Yearly EPS VS EstimatesUMH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1

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1

4. UMH Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 223.14, which means the current valuation is very expensive for UMH.
  • Based on the Price/Earnings ratio, UMH is valued a bit more expensive than 60.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.15, UMH is valued quite expensively.
  • A Price/Forward Earnings ratio of 126.25 indicates a quite expensive valuation of UMH.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UMH is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of UMH to the average of the S&P500 Index (22.12), we can say UMH is valued expensively.
Industry RankSector Rank
PE 223.14
Fwd PE 126.25
UMH Price Earnings VS Forward Price EarningsUMH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

  • UMH's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 17.38
UMH Per share dataUMH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • A more expensive valuation may be justified as UMH's earnings are expected to grow with 28.81% in the coming years.
PEG (NY)2.91
PEG (5Y)N/A
EPS Next 2Y28.81%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. UMH Dividend Analysis

5.1 Amount

  • UMH has a Yearly Dividend Yield of 5.81%, which is a nice return.
  • UMH's Dividend Yield is a higher than the industry average which is at 44.24.
  • Compared to an average S&P500 Dividend Yield of 1.82, UMH pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.81%

5.2 History

  • The dividend of UMH decreases each year by -4.86%.
  • UMH has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of UMH decreased in the last 3 years.
Dividend Growth(5Y)-4.86%
Div Incr Years2
Div Non Decr Years2
UMH Yearly Dividends per shareUMH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 1538.08% of the earnings are spent on dividend by UMH. This is not a sustainable payout ratio.
DP1538.08%
EPS Next 2Y28.81%
EPS Next 3YN/A
UMH Yearly Income VS Free CF VS DividendUMH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M -100M
UMH Dividend Payout.UMH Dividend Payout, showing the Payout Ratio.UMH Dividend Payout.PayoutRetained Earnings

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UMH Fundamentals: All Metrics, Ratios and Statistics

UMH PROPERTIES INC

NYSE:UMH (4/28/2026, 2:43:56 PM)

15.62

+0.12 (+0.77%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)02-25
Earnings (Next)04-30
Inst Owners83.94%
Inst Owner Change-0.84%
Ins Owners5.43%
Ins Owner Change1.35%
Market Cap1.33B
Revenue(TTM)261.75M
Net Income(TTM)5.97M
Analysts80
Price Target19.57 (25.29%)
Short Float %4.25%
Short Ratio5.87
Dividend
Industry RankSector Rank
Dividend Yield 5.81%
Yearly Dividend1.1
Dividend Growth(5Y)-4.86%
DP1538.08%
Div Incr Years2
Div Non Decr Years2
Ex-Date05-15
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-64.05%
Min EPS beat(2)-123.3%
Max EPS beat(2)-4.8%
EPS beat(4)0
Avg EPS beat(4)-61.77%
Min EPS beat(4)-123.3%
Max EPS beat(4)-4.8%
EPS beat(8)2
Avg EPS beat(8)-56.34%
EPS beat(12)3
Avg EPS beat(12)234.46%
EPS beat(16)4
Avg EPS beat(16)84.38%
Revenue beat(2)0
Avg Revenue beat(2)-3.52%
Min Revenue beat(2)-3.56%
Max Revenue beat(2)-3.48%
Revenue beat(4)1
Avg Revenue beat(4)-2.44%
Min Revenue beat(4)-3.56%
Max Revenue beat(4)0.02%
Revenue beat(8)2
Avg Revenue beat(8)-1.52%
Revenue beat(12)4
Avg Revenue beat(12)-0.85%
Revenue beat(16)5
Avg Revenue beat(16)-1.15%
PT rev (1m)1.32%
PT rev (3m)2.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-46.43%
EPS NY rev (1m)-10.91%
EPS NY rev (3m)-24.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-4.37%
Valuation
Industry RankSector Rank
PE 223.14
Fwd PE 126.25
P/S 5.07
P/FCF N/A
P/OCF 16.2
P/B 1.47
P/tB 1.47
EV/EBITDA 17.38
EPS(TTM)0.07
EY0.45%
EPS(NY)0.12
Fwd EY0.79%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)0.96
OCFY6.17%
SpS3.08
BVpS10.65
TBVpS10.65
PEG (NY)2.91
PEG (5Y)N/A
Graham Number4.09575 (-73.78%)
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 0.66%
ROCE 2.93%
ROIC 2.32%
ROICexc 2.42%
ROICexgc 2.48%
OM 18.7%
PM (TTM) 2.28%
GM 54.71%
FCFM N/A
ROA(3y)-0.03%
ROA(5y)-0.23%
ROE(3y)-0.1%
ROE(5y)-0.81%
ROIC(3y)2.22%
ROIC(5y)2.16%
ROICexc(3y)2.34%
ROICexc(5y)2.29%
ROICexgc(3y)2.4%
ROICexgc(5y)2.34%
ROCE(3y)2.81%
ROCE(5y)2.74%
ROICexgc growth 3Y6.39%
ROICexgc growth 5Y2.62%
ROICexc growth 3Y6.14%
ROICexc growth 5Y2.52%
OM growth 3Y3.63%
OM growth 5Y1.57%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.45%
GM growth 5Y0.8%
F-Score6
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF N/A
Debt/EBITDA 6.59
Cap/Depr 259.36%
Cap/Sales 65.95%
Interest Coverage 1.53
Cash Conversion 70.97%
Profit Quality N/A
Current Ratio 3.81
Quick Ratio 2.43
Altman-Z 1.29
F-Score6
WACC7.14%
ROIC/WACC0.32
Cap/Depr(3y)261.08%
Cap/Depr(5y)239.49%
Cap/Sales(3y)65.88%
Cap/Sales(5y)59.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)130.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-2957.14%
EPS Next Y76.75%
EPS Next 2Y28.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.81%
Revenue growth 3Y10.16%
Revenue growth 5Y9.86%
Sales Q2Q%8.23%
Revenue Next Year3.6%
Revenue Next 2Y3.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y13.04%
EBIT growth 3Y14.16%
EBIT growth 5Y11.58%
EBIT Next Year187.43%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-53.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.46%
OCF growth 3YN/A
OCF growth 5Y4.17%

UMH PROPERTIES INC / UMH Fundamental Analysis FAQ

What is the fundamental rating for UMH stock?

ChartMill assigns a fundamental rating of 4 / 10 to UMH.


Can you provide the valuation status for UMH PROPERTIES INC?

ChartMill assigns a valuation rating of 1 / 10 to UMH PROPERTIES INC (UMH). This can be considered as Overvalued.


What is the profitability of UMH stock?

UMH PROPERTIES INC (UMH) has a profitability rating of 3 / 10.


What are the PE and PB ratios of UMH PROPERTIES INC (UMH) stock?

The Price/Earnings (PE) ratio for UMH PROPERTIES INC (UMH) is 223.14 and the Price/Book (PB) ratio is 1.47.


What is the financial health of UMH PROPERTIES INC (UMH) stock?

The financial health rating of UMH PROPERTIES INC (UMH) is 4 / 10.