Logo image of UMH

UMH PROPERTIES INC (UMH) Stock Fundamental Analysis

NYSE:UMH - New York Stock Exchange, Inc. - US9030021037 - REIT - Currency: USD

16.27  -0.08 (-0.49%)

After market: 16.27 0 (0%)

Fundamental Rating

4

Taking everything into account, UMH scores 4 out of 10 in our fundamental rating. UMH was compared to 20 industry peers in the Residential REITs industry. UMH has an average financial health and profitability rating. UMH is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M

1.2 Ratios

With a Return On Assets value of 0.55%, UMH perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
UMH has a Return On Equity of 0.93%. This is comparable to the rest of the industry: UMH outperforms 50.00% of its industry peers.
With a Return On Invested Capital value of 2.25%, UMH perfoms like the industry average, 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 2.62%.
The 3 year average ROIC (2.11%) for UMH is below the current ROIC(2.25%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.55%
ROE 0.93%
ROIC 2.25%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -5 -10

1.3 Margins

UMH has a Profit Margin (3.47%) which is comparable to the rest of the industry.
UMH's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 17.72%, UMH is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
UMH's Operating Margin has improved in the last couple of years.
UMH has a worse Gross Margin (54.95%) 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 17.72%
PM (TTM) 3.47%
GM 54.95%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

More info and screens

5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UMH 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
The debt/assets ratio for UMH has been reduced compared to a year ago.
UMH Yearly Shares OutstandingUMH Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

UMH has an Altman-Z score of 1.56. This is a bad value and indicates that UMH is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.56, UMH is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
A Debt/Equity ratio of 0.66 indicates that UMH is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.66, UMH belongs to the top of the industry, outperforming 85.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF N/A
Altman-Z 1.56
ROIC/WACC0.31
WACC7.23%
UMH Yearly LT Debt VS Equity VS FCFUMH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 2.71 indicates that UMH has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.71, UMH belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
A Quick Ratio of 1.29 indicates that UMH should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.29, UMH belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.71
Quick Ratio 1.29
UMH Yearly Current Assets VS Current LiabilitesUMH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

6

3. Growth

3.1 Past

UMH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 586.21%, which is quite impressive.
The earnings per share for UMH have been decreasing by -12.74% on average. This is quite bad
The Revenue has grown by 8.88% in the past year. This is quite good.
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)586.21%
EPS 3Y-58.99%
EPS 5Y-12.74%
EPS Q2Q%2200%
Revenue 1Y (TTM)8.88%
Revenue growth 3Y8.93%
Revenue growth 5Y10.41%
Sales Q2Q%10.46%

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 130.92% on average per year.
The Revenue is expected to grow by 2.03% on average over the next years.
EPS Next Y365.9%
EPS Next 2Y160.04%
EPS Next 3Y130.92%
EPS Next 5YN/A
Revenue Next Year5.81%
Revenue Next 2Y6.44%
Revenue Next 3Y2.03%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 47.85, UMH can be considered very expensive at the moment.
UMH's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.41. UMH is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 79.28, which means the current valuation is very expensive for UMH.
Based on the Price/Forward Earnings ratio, UMH is valued a bit more expensive than 60.00% of the companies in the same industry.
UMH's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 33.87.
Industry RankSector Rank
PE 47.85
Fwd PE 79.28
UMH Price Earnings VS Forward Price EarningsUMH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as UMH.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 18.46
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UMH's earnings are expected to grow with 130.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y160.04%
EPS Next 3Y130.92%

More info and screens

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.15%, UMH has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.71, UMH's dividend is way lower than its industry peers. On top of this 90.00% of the companies listed in the same industry pay a better dividend than UMH!
Compared to an average S&P500 Dividend Yield of 2.39, UMH pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.15%

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

969.69% of the earnings are spent on dividend by UMH. This is not a sustainable payout ratio.
DP969.69%
EPS Next 2Y160.04%
EPS Next 3Y130.92%
UMH Yearly Income VS Free CF VS DividendUMH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

UMH PROPERTIES INC

NYSE:UMH (8/11/2025, 8:07:34 PM)

After market: 16.27 0 (0%)

16.27

-0.08 (-0.49%)

Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-04 2025-11-04/amc
Inst Owners81.4%
Inst Owner Change0.71%
Ins Owners5.7%
Ins Owner Change-0.91%
Market Cap1.37B
Analysts78.46
Price Target21.23 (30.49%)
Short Float %2.33%
Short Ratio4.22
Dividend
Industry RankSector Rank
Dividend Yield 3.15%
Yearly Dividend1.04
Dividend Growth(5Y)-2.41%
DP969.69%
Div Incr Years1
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.225)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-99.5%
Min EPS beat(2)-100%
Max EPS beat(2)-99.01%
EPS beat(4)2
Avg EPS beat(4)58.21%
Min EPS beat(4)-100%
Max EPS beat(4)366.83%
EPS beat(8)3
Avg EPS beat(8)389.39%
EPS beat(12)4
Avg EPS beat(12)139.03%
EPS beat(16)6
Avg EPS beat(16)195.06%
Revenue beat(2)0
Avg Revenue beat(2)-1.49%
Min Revenue beat(2)-2.75%
Max Revenue beat(2)-0.24%
Revenue beat(4)0
Avg Revenue beat(4)-1.83%
Min Revenue beat(4)-2.89%
Max Revenue beat(4)-0.24%
Revenue beat(8)2
Avg Revenue beat(8)-0.68%
Revenue beat(12)4
Avg Revenue beat(12)-0.94%
Revenue beat(16)7
Avg Revenue beat(16)2.24%
PT rev (1m)-0.3%
PT rev (3m)-2.63%
EPS NQ rev (1m)-4.33%
EPS NQ rev (3m)-16.66%
EPS NY rev (1m)0%
EPS NY rev (3m)-25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.22%
Valuation
Industry RankSector Rank
PE 47.85
Fwd PE 79.28
P/S 5.6
P/FCF N/A
P/OCF 18.16
P/B 1.5
P/tB 1.5
EV/EBITDA 18.46
EPS(TTM)0.34
EY2.09%
EPS(NY)0.21
Fwd EY1.26%
FCF(TTM)-0.84
FCFYN/A
OCF(TTM)0.9
OCFY5.51%
SpS2.9
BVpS10.85
TBVpS10.85
PEG (NY)0.13
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.55%
ROE 0.93%
ROCE 2.84%
ROIC 2.25%
ROICexc 2.3%
ROICexgc 2.37%
OM 17.72%
PM (TTM) 3.47%
GM 54.95%
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%
ROICexcg growth 3Y0.28%
ROICexcg 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-Score7
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF N/A
Debt/EBITDA 5.75
Cap/Depr 234.54%
Cap/Sales 59.73%
Interest Coverage 1.47
Cash Conversion 71.47%
Profit Quality N/A
Current Ratio 2.71
Quick Ratio 1.29
Altman-Z 1.56
F-Score7
WACC7.23%
ROIC/WACC0.31
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)586.21%
EPS 3Y-58.99%
EPS 5Y-12.74%
EPS Q2Q%2200%
EPS Next Y365.9%
EPS Next 2Y160.04%
EPS Next 3Y130.92%
EPS Next 5YN/A
Revenue 1Y (TTM)8.88%
Revenue growth 3Y8.93%
Revenue growth 5Y10.41%
Sales Q2Q%10.46%
Revenue Next Year5.81%
Revenue Next 2Y6.44%
Revenue Next 3Y2.03%
Revenue Next 5YN/A
EBIT growth 1Y10.31%
EBIT growth 3Y8.5%
EBIT growth 5Y16.71%
EBIT Next Year184.69%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y43.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y11689.5%
OCF growth 3Y7.79%
OCF growth 5Y16.2%