UMH PROPERTIES INC (UMH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UMH - US9030021037 - REIT
16.01 USD
+0.05 (+0.31%)
UMH gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 20 industry peers in the Residential REITs industry. The financial health of UMH is average, but there are quite some concerns on its profitability. While showing a medium growth rate, UMH is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year UMH was profitable.
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.
1.2 Ratios
With a Return On Assets value of 0.40%, UMH is not doing good in the industry: 65.00% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 0.70%, UMH is doing worse than 65.00% of the companies in the same industry.
The Return On Invested Capital of UMH (2.30%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for UMH is in line with the industry average of 2.59%.
The last Return On Invested Capital (2.30%) for UMH is above the 3 year average (2.11%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 0.7% | ||
| ROIC | 2.3% |
ROA(3y)-1.05%
ROA(5y)-0.84%
ROE(3y)-2.53%
ROE(5y)-2.13%
ROIC(3y)2.11%
ROIC(5y)2.12%
1.3 Margins
UMH's Profit Margin of 2.53% is on the low side compared to the rest of the industry. UMH is outperformed by 70.00% of its industry peers.
UMH's Profit Margin has declined in the last couple of years.
The Operating Margin of UMH (18.11%) is worse than 60.00% of its industry peers.
In the last couple of years the Operating Margin of UMH has grown nicely.
UMH has a Gross Margin of 54.84%. This is in the lower half of the industry: UMH underperforms 75.00% of its industry peers.
In the last couple of years the Gross Margin of UMH has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.11% | ||
| PM (TTM) | 2.53% | ||
| GM | 54.84% |
OM growth 3Y-0.39%
OM growth 5Y5.7%
PM growth 3Y-55.15%
PM growth 5Y-10.34%
GM growth 3Y1.2%
GM growth 5Y2.16%
2. Health
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.
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.
Compared to 1 year ago, UMH has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.42, we must say that UMH is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.42, UMH is in the better half of the industry, outperforming 65.00% of the companies in the same industry.
A Debt/Equity ratio of 0.73 indicates that UMH is somewhat dependend on debt financing.
UMH has a better Debt to Equity ratio (0.73) than 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.42 |
ROIC/WACC0.32
WACC7.13%
2.3 Liquidity
A Current Ratio of 2.49 indicates that UMH has no problem at all paying its short term obligations.
UMH has a better Current ratio (2.49) than 90.00% of its industry peers.
UMH has a Quick Ratio of 1.32. This is a normal value and indicates that UMH is financially healthy and should not expect problems in meeting its short term obligations.
UMH has a better Quick ratio (1.32) than 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.49 | ||
| Quick Ratio | 1.32 |
3. Growth
3.1 Past
The earnings per share for UMH have decreased strongly by -38.19% in the last year.
The earnings per share for UMH have been decreasing by -12.74% on average. This is quite bad
UMH shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.91%.
UMH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.41% yearly.
EPS 1Y (TTM)-38.19%
EPS 3Y-58.99%
EPS 5Y-12.74%
EPS Q2Q%-54.55%
Revenue 1Y (TTM)8.91%
Revenue growth 3Y8.93%
Revenue growth 5Y10.41%
Sales Q2Q%10.3%
3.2 Future
Based on estimates for the next years, UMH will show a very strong growth in Earnings Per Share. The EPS will grow by 88.10% on average per year.
UMH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.37% yearly.
EPS Next Y292.69%
EPS Next 2Y131.9%
EPS Next 3Y88.1%
EPS Next 5YN/A
Revenue Next Year9.62%
Revenue Next 2Y8.98%
Revenue Next 3Y5.37%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
UMH is valuated quite expensively with a Price/Earnings ratio of 200.13.
Compared to the rest of the industry, the Price/Earnings ratio of UMH indicates a slightly more expensive valuation: UMH is more expensive than 60.00% of the companies listed in the same industry.
UMH's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.77.
Based on the Price/Forward Earnings ratio of 98.09, the valuation of UMH can be described as expensive.
UMH's Price/Forward Earnings ratio is in line with the industry average.
UMH is valuated expensively when we compare the Price/Forward Earnings ratio to 23.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 200.13 | ||
| Fwd PE | 98.09 |
4.2 Price Multiples
UMH's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 17.93 |
4.3 Compensation for Growth
UMH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UMH's earnings are expected to grow with 88.10% in the coming years.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y131.9%
EPS Next 3Y88.1%
5. Dividend
5.1 Amount
UMH has a Yearly Dividend Yield of 5.67%, which is a nice return.
Compared to an average industry Dividend Yield of 11.48, UMH has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, UMH pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.67% |
5.2 History
The dividend of UMH decreases each year by -2.41%.
UMH has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of UMH decreased recently.
Dividend Growth(5Y)-2.41%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
UMH pays out 1379.89% of its income as dividend. This is not a sustainable payout ratio.
DP1379.89%
EPS Next 2Y131.9%
EPS Next 3Y88.1%
NYSE:UMH (12/31/2025, 10:01:00 AM)
16.01
+0.05 (+0.31%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)
Earnings (Next)
Inst Owners81.79%
Inst Owner Change-5.14%
Ins Owners5.53%
Ins Owner Change-1.43%
Market Cap1.36B
Revenue(TTM)256.66M
Net Income(TTM)6.50M
Analysts77.14
Price Target19.04 (18.93%)
Short Float %4.58%
Short Ratio5.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.67% |
Yearly Dividend1.04
Dividend Growth(5Y)-2.41%
DP1379.89%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.9%
Min EPS beat(2)-19%
Max EPS beat(2)-4.8%
EPS beat(4)0
Avg EPS beat(4)-55.7%
Min EPS beat(4)-100%
Max EPS beat(4)-4.8%
EPS beat(8)3
Avg EPS beat(8)590.38%
EPS beat(12)4
Avg EPS beat(12)257.19%
EPS beat(16)5
Avg EPS beat(16)168.47%
Revenue beat(2)1
Avg Revenue beat(2)-1.77%
Min Revenue beat(2)-3.56%
Max Revenue beat(2)0.02%
Revenue beat(4)1
Avg Revenue beat(4)-1.63%
Min Revenue beat(4)-3.56%
Max Revenue beat(4)0.02%
Revenue beat(8)3
Avg Revenue beat(8)-0.94%
Revenue beat(12)4
Avg Revenue beat(12)-1.11%
Revenue beat(16)6
Avg Revenue beat(16)-0.24%
PT rev (1m)0.3%
PT rev (3m)-6.96%
EPS NQ rev (1m)-5.88%
EPS NQ rev (3m)-30.43%
EPS NY rev (1m)-9.23%
EPS NY rev (3m)-10.94%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)-0.86%
Revenue NY rev (3m)3.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 200.13 | ||
| Fwd PE | 98.09 | ||
| P/S | 5.32 | ||
| P/FCF | N/A | ||
| P/OCF | 15.52 | ||
| P/B | 1.48 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | 17.93 |
EPS(TTM)0.08
EY0.5%
EPS(NY)0.16
Fwd EY1.02%
FCF(TTM)-0.93
FCFYN/A
OCF(TTM)1.03
OCFY6.44%
SpS3.01
BVpS10.85
TBVpS10.85
PEG (NY)0.68
PEG (5Y)N/A
Graham Number4.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 0.7% | ||
| ROCE | 2.91% | ||
| ROIC | 2.3% | ||
| ROICexc | 2.35% | ||
| ROICexgc | 2.47% | ||
| OM | 18.11% | ||
| PM (TTM) | 2.53% | ||
| GM | 54.84% | ||
| FCFM | N/A |
ROA(3y)-1.05%
ROA(5y)-0.84%
ROE(3y)-2.53%
ROE(5y)-2.13%
ROIC(3y)2.11%
ROIC(5y)2.12%
ROICexc(3y)2.21%
ROICexc(5y)2.23%
ROICexgc(3y)2.26%
ROICexgc(5y)2.28%
ROCE(3y)2.67%
ROCE(5y)2.68%
ROICexgc growth 3Y0.28%
ROICexgc growth 5Y8.69%
ROICexc growth 3Y0.15%
ROICexc growth 5Y8.44%
OM growth 3Y-0.39%
OM growth 5Y5.7%
PM growth 3Y-55.15%
PM growth 5Y-10.34%
GM growth 3Y1.2%
GM growth 5Y2.16%
F-Score5
Asset Turnover0.16
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 6.03 | ||
| Cap/Depr | 257.63% | ||
| Cap/Sales | 65.26% | ||
| Interest Coverage | 1.52 | ||
| Cash Conversion | 78.84% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.49 | ||
| Quick Ratio | 1.32 | ||
| Altman-Z | 1.42 |
F-Score5
WACC7.13%
ROIC/WACC0.32
Cap/Depr(3y)248.65%
Cap/Depr(5y)235.57%
Cap/Sales(3y)62.34%
Cap/Sales(5y)58.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-38.19%
EPS 3Y-58.99%
EPS 5Y-12.74%
EPS Q2Q%-54.55%
EPS Next Y292.69%
EPS Next 2Y131.9%
EPS Next 3Y88.1%
EPS Next 5YN/A
Revenue 1Y (TTM)8.91%
Revenue growth 3Y8.93%
Revenue growth 5Y10.41%
Sales Q2Q%10.3%
Revenue Next Year9.62%
Revenue Next 2Y8.98%
Revenue Next 3Y5.37%
Revenue Next 5YN/A
EBIT growth 1Y7.79%
EBIT growth 3Y8.5%
EBIT growth 5Y16.71%
EBIT Next Year188.05%
EBIT Next 3Y49.43%
EBIT Next 5YN/A
FCF growth 1Y15.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y13.79%
OCF growth 3Y7.79%
OCF growth 5Y16.2%
UMH PROPERTIES INC / UMH FAQ
What is the fundamental rating for UMH stock?
ChartMill assigns a fundamental rating of 4 / 10 to UMH.
What is the valuation status of UMH PROPERTIES INC (UMH) stock?
ChartMill assigns a valuation rating of 2 / 10 to UMH PROPERTIES INC (UMH). This can be considered as Overvalued.
Can you provide the profitability details for UMH PROPERTIES INC?
UMH PROPERTIES INC (UMH) has a profitability rating of 3 / 10.
What is the valuation of UMH PROPERTIES INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UMH PROPERTIES INC (UMH) is 200.13 and the Price/Book (PB) ratio is 1.48.
Can you provide the expected EPS growth for UMH stock?
The Earnings per Share (EPS) of UMH PROPERTIES INC (UMH) is expected to grow by 292.69% in the next year.