UMH PROPERTIES INC (UMH) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UMH - US9030021037 - REIT
16.6 USD
+0.18 (+1.1%)
16.6 USD
0 (0%)
Overall UMH gets a fundamental rating of 4 out of 10. We evaluated UMH against 20 industry peers in the Residential REITs industry. UMH scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. While showing a medium growth rate, UMH is valued expensive at the moment.
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.
1.2 Ratios
- UMH's Return On Assets of 0.40% is on the low side compared to the rest of the industry. UMH is outperformed by 65.00% of its industry peers.
- 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.
- UMH has a Return On Invested Capital of 2.30%. This is comparable to the rest of the industry: UMH outperforms 45.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital 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 has a worse Profit Margin (2.53%) than 70.00% of its industry peers.
- In the last couple of years the Profit Margin of UMH has declined.
- UMH has a worse Operating Margin (18.11%) 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
- 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
- Compared to 1 year ago, UMH has an improved debt to assets ratio.
2.2 Solvency
- UMH has an Altman-Z score of 1.45. 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 (1.45) than 65.00% of its industry peers.
- A Debt/Equity ratio of 0.73 indicates that UMH is somewhat dependend on debt financing.
- UMH's Debt to Equity ratio of 0.73 is amongst the best of the industry. UMH outperforms 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.45 |
ROIC/WACC0.32
WACC7.2%
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.
- 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.
- Measured over the past years, UMH shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.74% on average per year.
- 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
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- UMH is valuated quite expensively with a Price/Earnings ratio of 207.50.
- Based on the Price/Earnings ratio, UMH is valued a bit more expensive than the industry average as 60.00% of the companies are valued more cheaply.
- UMH is valuated expensively when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 101.71, which means the current valuation is very expensive for UMH.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UMH is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of UMH to the average of the S&P500 Index (24.26), we can say UMH is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 207.5 | ||
| Fwd PE | 101.71 |
4.2 Price Multiples
- 60.00% of the companies in the same industry are cheaper than UMH, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 18.28 |
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)0.71
PEG (5Y)N/A
EPS Next 2Y131.9%
EPS Next 3Y88.1%
5. Dividend
5.1 Amount
- UMH has a Yearly Dividend Yield of 5.60%, which is a nice return.
- Compared to an average industry Dividend Yield of 32.52, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
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
- 1379.89% of the earnings are spent on dividend by UMH. This is not a sustainable payout ratio.
DP1379.89%
EPS Next 2Y131.9%
EPS Next 3Y88.1%
16.6
+0.18 (+1.1%)
Chartmill FA Rating
GICS SectorReal Estate
GICS IndustryGroupEquity Real Estate Investment Trusts (REITs)
GICS IndustryResidential REITs
Earnings (Last)11-03 2025-11-03/amc
Earnings (Next)02-24 2026-02-24/amc
Inst Owners81.64%
Inst Owner Change2.1%
Ins Owners5.53%
Ins Owner Change-1.63%
Market Cap1.41B
Revenue(TTM)256.66M
Net Income(TTM)6.50M
Analysts81.54
Price Target19.04 (14.7%)
Short Float %4.58%
Short Ratio5.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.6% |
Yearly Dividend1.04
Dividend Growth(5Y)-2.41%
DP1379.89%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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%
PT rev (3m)-5.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25.93%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 207.5 | ||
| Fwd PE | 101.71 | ||
| P/S | 5.51 | ||
| P/FCF | N/A | ||
| P/OCF | 16.09 | ||
| P/B | 1.53 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | 18.28 |
EPS(TTM)0.08
EY0.48%
EPS(NY)0.16
Fwd EY0.98%
FCF(TTM)-0.93
FCFYN/A
OCF(TTM)1.03
OCFY6.21%
SpS3.01
BVpS10.85
TBVpS10.85
PEG (NY)0.71
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 | 1.45 |
F-Score5
WACC7.2%
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 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 292.69% 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%.