UMH PROPERTIES INC (UMH) Fundamental Analysis & Valuation

NYSE:UMH • US9030021037

Current stock price

14.4 USD
0 (0%)
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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.
  • In the past year UMH had a positive cash flow from operations.
  • 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

  • The Return On Assets of UMH (0.35%) is worse than 70.00% of its industry peers.
  • With a Return On Equity value of 0.66%, UMH is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
  • 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 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

  • With a Profit Margin value of 2.28%, UMH is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
  • The Operating Margin of UMH (18.70%) is comparable to the rest of the industry.
  • 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.
  • 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.
  • The debt/assets ratio for UMH is higher compared to a year ago.
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 1.21, we must say that UMH is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.21, UMH is doing good in the industry, outperforming 65.00% of the companies in the same industry.
  • 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 1.21
ROIC/WACC0.33
WACC7.13%
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 better Current ratio (3.81) than 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.
  • The Quick ratio of UMH (2.43) is better than 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

  • The Earnings Per Share has grown by an impressive 130.64% over the past year.
  • The Revenue has grown by 8.81% in the past year. This is quite good.
  • The Revenue has been growing by 9.86% on average over the past years. This is quite good.
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 56.62% yearly.
  • The Revenue is expected to grow by 3.11% on average over the next years.
EPS Next Y98.39%
EPS Next 2Y56.62%
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

  • 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.
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

  • A Price/Earnings ratio of 205.71 indicates a quite expensive valuation of UMH.
  • 60.00% of the companies in the same industry are cheaper than UMH, based on the Price/Earnings ratio.
  • UMH's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.75.
  • Based on the Price/Forward Earnings ratio of 103.69, the valuation of UMH can be described as expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UMH is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 22.10. UMH is valued rather expensively when compared to this.
Industry RankSector Rank
PE 205.71
Fwd PE 103.69
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 16.57
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 56.62% in the coming years.
PEG (NY)2.09
PEG (5Y)N/A
EPS Next 2Y56.62%
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 6.23%, which is a nice return.
  • Compared to an average industry Dividend Yield of 46.72, 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 1.89.
Industry RankSector Rank
Dividend Yield 6.23%

5.2 History

  • The dividend of UMH decreases each year by -4.86%.
  • 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)-4.86%
Div Incr Years1
Div Non Decr Years1
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

  • UMH pays out 1538.08% of its income as dividend. This is not a sustainable payout ratio.
DP1538.08%
EPS Next 2Y56.62%
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 (3/31/2026, 1:32:58 PM)

14.4

0 (0%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)02-25
Earnings (Next)04-29
Inst Owners83.45%
Inst Owner Change-1.66%
Ins Owners5.41%
Ins Owner Change1.23%
Market Cap1.22B
Revenue(TTM)261.75M
Net Income(TTM)5.97M
Analysts80
Price Target19.57 (35.9%)
Short Float %4.28%
Short Ratio6.52
Dividend
Industry RankSector Rank
Dividend Yield 6.23%
Yearly Dividend1.1
Dividend Growth(5Y)-4.86%
DP1538.08%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-17
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)-45.45%
EPS NQ rev (3m)-46.43%
EPS NY rev (1m)-8.03%
EPS NY rev (3m)-14.91%
Revenue NQ rev (1m)-1.43%
Revenue NQ rev (3m)-1.43%
Revenue NY rev (1m)-4.27%
Revenue NY rev (3m)-4.27%
Valuation
Industry RankSector Rank
PE 205.71
Fwd PE 103.69
P/S 4.68
P/FCF N/A
P/OCF 14.94
P/B 1.35
P/tB 1.35
EV/EBITDA 16.57
EPS(TTM)0.07
EY0.49%
EPS(NY)0.14
Fwd EY0.96%
FCF(TTM)-1.07
FCFYN/A
OCF(TTM)0.96
OCFY6.7%
SpS3.08
BVpS10.65
TBVpS10.65
PEG (NY)2.09
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 1.21
F-Score6
WACC7.13%
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 Y98.39%
EPS Next 2Y56.62%
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 Year187.92%
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.


What is the valuation status for UMH stock?

ChartMill assigns a valuation rating of 1 / 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 earnings growth outlook for UMH PROPERTIES INC?

The Earnings per Share (EPS) of UMH PROPERTIES INC (UMH) is expected to grow by 98.39% in the next year.


Can you provide the dividend sustainability for UMH stock?

The dividend rating of UMH PROPERTIES INC (UMH) is 5 / 10 and the dividend payout ratio is 1538.08%.