UMH PROPERTIES INC (UMH) Fundamental Analysis & Valuation

NYSE:UMH • US9030021037

Current stock price

15.39 USD
+0.07 (+0.46%)
At close:
15.3592 USD
-0.03 (-0.2%)
After Hours:

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

  • In the past year UMH was profitable.
  • In the past year UMH had a positive cash flow from operations.
  • In multiple years UMH reported negative net income over the last 5 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

  • The Return On Assets of UMH (0.35%) is worse than 70.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 0.66%, UMH is doing worse than 70.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.32%, UMH is in line with its industry, outperforming 45.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for UMH is in line with the industry average of 2.73%.
  • The 3 year average ROIC (2.22%) for UMH is below the current ROIC(2.32%), indicating increased profibility in the last year.
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.
  • UMH has a Operating Margin (18.70%) which is in line with its industry peers.
  • UMH's Operating Margin has improved in the last couple of years.
  • UMH's Gross Margin of 54.71% is on the low side compared to the rest of the industry. UMH is outperformed by 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. UMH Health Analysis

2.1 Basic Checks

  • UMH has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for UMH has been increased compared to 1 year ago.
  • Compared to 5 years ago, UMH has more shares outstanding
  • Compared to 1 year ago, UMH has a worse debt to assets ratio.
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

  • UMH has an Altman-Z score of 1.27. This is a bad value and indicates that UMH is not financially healthy and even has some risk of bankruptcy.
  • UMH has a better Altman-Z score (1.27) 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.
  • Looking at the Debt to Equity ratio, with a value of 0.84, UMH is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.84
Debt/FCF N/A
Altman-Z 1.27
ROIC/WACC0.33
WACC7.12%
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

  • UMH has a Current Ratio of 3.81. This indicates that UMH is financially healthy and has no problem in meeting 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.
  • UMH has a Quick Ratio of 2.43. This indicates that UMH is financially healthy and has no problem in meeting its short term obligations.
  • UMH has a Quick ratio of 2.43. This is amongst the best in the industry. UMH outperforms 90.00% of its industry peers.
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.
  • Looking at the last year, UMH shows a quite strong growth in Revenue. The Revenue has grown by 8.81% in the last year.
  • UMH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.86% yearly.
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 3.11% yearly.
EPS Next Y76.75%
EPS Next 2Y28.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.71%
Revenue Next 2Y3.11%
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 219.86, 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.
  • The average S&P500 Price/Earnings ratio is at 27.34. UMH is valued rather expensively when compared to this.
  • UMH is valuated quite expensively with a Price/Forward Earnings ratio of 124.39.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UMH.
  • The average S&P500 Price/Forward Earnings ratio is at 38.18. UMH is valued rather expensively when compared to this.
Industry RankSector Rank
PE 219.86
Fwd PE 124.39
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UMH is on the same level as its industry peers.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 17.24
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 UMH does not grow enough to justify the current Price/Earnings ratio.
  • UMH's earnings are expected to grow with 28.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.86
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

  • With a Yearly Dividend Yield of 5.86%, UMH is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 44.66, UMH pays a bit more dividend than its industry peers.
  • UMH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.86%

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 (4/14/2026, 7:40:49 PM)

After market: 15.3592 -0.03 (-0.2%)

15.39

+0.07 (+0.46%)

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 Change0.09%
Ins Owners5.43%
Ins Owner Change1.32%
Market Cap1.31B
Revenue(TTM)261.75M
Net Income(TTM)5.97M
Analysts80
Price Target19.57 (27.16%)
Short Float %4.52%
Short Ratio6.34
Dividend
Industry RankSector Rank
Dividend Yield 5.86%
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)2.79%
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)-0.97%
Revenue NY rev (3m)-4.27%
Valuation
Industry RankSector Rank
PE 219.86
Fwd PE 124.39
P/S 5
P/FCF N/A
P/OCF 15.96
P/B 1.44
P/tB 1.44
EV/EBITDA 17.24
EPS(TTM)0.07
EY0.45%
EPS(NY)0.12
Fwd EY0.8%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)0.96
OCFY6.26%
SpS3.08
BVpS10.65
TBVpS10.65
PEG (NY)2.86
PEG (5Y)N/A
Graham Number4.1
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 1.27
F-Score6
WACC7.12%
ROIC/WACC0.33
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 Year3.71%
Revenue Next 2Y3.11%
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 219.86 and the Price/Book (PB) ratio is 1.44.


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

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