UMH PROPERTIES INC (UMH) Stock Fundamental Analysis

NYSE:UMH • US9030021037

16.2 USD
+0.02 (+0.12%)
At close: Feb 23, 2026
16.2 USD
0 (0%)
After Hours: 2/23/2026, 4:10:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall UMH gets a fundamental rating of 4 out of 10. We evaluated UMH 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. UMH is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • UMH had positive earnings in the past year.
  • UMH had a positive operating cash flow in the past year.
  • In multiple years UMH reported negative net income over the last 5 years.
  • Of the past 5 years UMH 4 years had a positive operating cash flow.
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 0 50M -50M 100M -100M

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.
  • Looking at the Return On Invested Capital, with a value of 2.30%, UMH is in line with its industry, outperforming 45.00% of the companies in the same 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 3 year average ROIC (2.11%) for UMH is below the current ROIC(2.30%), indicating increased profibility in the last year.
Industry RankSector 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%
UMH Yearly ROA, ROE, ROICUMH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -5 -10

1.3 Margins

  • The Profit Margin of UMH (2.53%) is worse than 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.
  • UMH's Operating Margin has improved in the last couple of years.
  • UMH has a worse Gross Margin (54.84%) than 75.00% of its industry peers.
  • In the last couple of years the Gross Margin of UMH has grown nicely.
Industry RankSector 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%
UMH Yearly Profit, Operating, Gross MarginsUMH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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 better debt/assets ratio than last year.
UMH Yearly Shares OutstandingUMH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of 1.44, 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 1.44, 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 Debt to Equity ratio of 0.73. This is amongst the best in the industry. UMH outperforms 85.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF N/A
Altman-Z 1.44
ROIC/WACC0.32
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 0 200M 400M 600M 800M

2.3 Liquidity

  • UMH has a Current Ratio of 2.49. This indicates that UMH is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 2.49, UMH belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • A Quick Ratio of 1.32 indicates that UMH should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.32, UMH belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.49
Quick Ratio 1.32
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 50M 100M 150M

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

5

3. Growth

3.1 Past

  • The earnings per share for UMH have decreased strongly by -38.19% in the last year.
  • UMH shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.74% yearly.
  • The Revenue has grown by 8.91% in the past year. This is quite good.
  • Measured over the past years, UMH shows a quite strong growth in Revenue. The Revenue has been growing by 10.41% on average per year.
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

  • UMH is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 78.18% yearly.
  • UMH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.37% yearly.
EPS Next Y299.34%
EPS Next 2Y123.05%
EPS Next 3Y78.18%
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.
  • 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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 202.50, UMH can be considered very expensive at the moment.
  • UMH's Price/Earnings ratio is a bit more expensive when compared to the industry. UMH is more expensive than 65.00% of the companies in the same industry.
  • UMH's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.99.
  • UMH is valuated quite expensively with a Price/Forward Earnings ratio of 107.29.
  • The rest of the industry has a similar Price/Forward Earnings ratio as UMH.
  • The average S&P500 Price/Forward Earnings ratio is at 28.02. UMH is valued rather expensively when compared to this.
Industry RankSector Rank
PE 202.5
Fwd PE 107.29
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 18.09
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

  • 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 78.18% in the coming years.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y123.05%
EPS Next 3Y78.18%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.58%, UMH is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 42.64, UMH pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, UMH pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.58%

5.2 History

  • The dividend of UMH decreases each year by -2.41%.
  • UMH has been paying a dividend for at least 10 years, so it has a reliable track record.
  • UMH has decreased its dividend recently.
Dividend Growth(5Y)-2.41%
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

  • 1379.89% of the earnings are spent on dividend by UMH. This is not a sustainable payout ratio.
DP1379.89%
EPS Next 2Y123.05%
EPS Next 3Y78.18%
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 0 50M -50M -100M
UMH Dividend Payout.UMH Dividend Payout, showing the Payout Ratio.UMH Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

UMH PROPERTIES INC

NYSE:UMH (2/23/2026, 4:10:03 PM)

After market: 16.2 0 (0%)

16.2

+0.02 (+0.12%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)11-03
Earnings (Next)02-25
Inst Owners81.64%
Inst Owner Change-1.7%
Ins Owners5.53%
Ins Owner Change0.81%
Market Cap1.38B
Revenue(TTM)256.66M
Net Income(TTM)6.50M
Analysts80
Price Target19.32 (19.26%)
Short Float %4.18%
Short Ratio6.03
Dividend
Industry RankSector Rank
Dividend Yield 5.58%
Yearly Dividend1.04
Dividend Growth(5Y)-2.41%
DP1379.89%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-17
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)0.85%
PT rev (3m)1.75%
EPS NQ rev (1m)6.25%
EPS NQ rev (3m)-8.94%
EPS NY rev (1m)1.69%
EPS NY rev (3m)-7.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.86%
Valuation
Industry RankSector Rank
PE 202.5
Fwd PE 107.29
P/S 5.38
P/FCF N/A
P/OCF 15.71
P/B 1.49
P/tB 1.49
EV/EBITDA 18.09
EPS(TTM)0.08
EY0.49%
EPS(NY)0.15
Fwd EY0.93%
FCF(TTM)-0.93
FCFYN/A
OCF(TTM)1.03
OCFY6.37%
SpS3.01
BVpS10.85
TBVpS10.85
PEG (NY)0.68
PEG (5Y)N/A
Graham Number4.42
Profitability
Industry RankSector 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 RankSector 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 1.44
F-Score5
WACC7.12%
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 Y299.34%
EPS Next 2Y123.05%
EPS Next 3Y78.18%
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 for 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 earnings growth outlook for UMH PROPERTIES INC?

The Earnings per Share (EPS) of UMH PROPERTIES INC (UMH) is expected to grow by 299.34% 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 1379.89%.