Umh (UMH) AI Stock Analysis

• Market Cap: $1.37B
• Dividend Yield: 5.66%
• Average Volume (3M): 566.89K
• Price to Earnings (P/E): 210.6
• Beta (1Y): 0.30
• Revenue Growth: 8.91%
• EPS Growth: -39.58%
• Country: US
• Employees: 513
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Residential
• EPS (TTM): 0.05
• Shares Outstanding: 85,230,670
• 10 Day Avg. Volume: 488,181
• 30 Day Avg. Volume: 566,890
• PEG Ratio: -0.53
• Price to Book (P/B): 1.53
• Price to Sales (P/S): 5.82
• P/FCF Ratio: 17.15
• Enterprise Value/Market Cap: 1.63
• Enterprise Value/Revenue: 8.71
• Enterprise Value/Gross Profit: 15.87
• Enterprise Value/Ebitda: 18.80
• 1Y Price Target: $19.10
• Price Target Upside: 16.32% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 0.17
• Revenue Forecast (FY): $285.62M

• Rating: 71 Outperform
• Price Target: $16.50 ▲(0.49% Upside)

UMH's overall score is driven by strong financial performance and positive corporate events, indicating a solid foundation for growth. However, the high P/E ratio suggests potential overvaluation, which tempers the overall score. The technical analysis shows neutral momentum, while the earnings call provides a positive outlook with some operational challenges.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for UMH's offerings and effective market expansion strategies, supporting long-term stability.

Strategic Acquisitions

Strategic acquisitions enhance UMH's portfolio, providing growth opportunities and reinforcing its market position in the manufactured home sector.

Balance Sheet Strength

A strong balance sheet with manageable debt levels and fixed interest rates ensures financial flexibility and resilience against economic fluctuations.

Negative Factors

Increased Operating Expenses

Rising operating expenses can pressure margins, potentially impacting profitability if revenue growth does not offset these costs.

Decline in Rental Occupancy

A decline in rental occupancy, even if slight, may indicate challenges in tenant retention or market saturation, affecting future revenue.

Decreased Net Income

A decrease in net income suggests potential issues in cost management or revenue generation, which could impact long-term profitability.

Umh Business Overview & Revenue Model

Company Description

UMH Properties, Inc., which was organized in 1968, is a public equity REIT that owns and operates 124 manufactured home communities containing approximately 23,400 developed homesites. These communities are located in New Jersey, New York, Ohio, Pennsylvania, Tennessee, Indiana, Michigan and Maryland. In addition, the Company owns a portfolio of REIT securities.

How the Company Makes Money

UMH generates revenue primarily through the leasing of residential lots in its manufactured home communities. Residents pay monthly rents for the lots where their homes are situated, which constitutes the bulk of the company’s revenue. Additionally, UMH may earn income from the sale of homes in its communities, as well as from ancillary services such as utility billing and community amenities. The company also seeks to increase its revenue through strategic acquisitions of additional manufactured home communities, which allows for greater economies of scale and diversification of its revenue streams. Furthermore, partnerships with home manufacturers and financing companies can enhance sales opportunities, contributing to overall earnings.

Umh Financial Statement Overview

Summary

UMH exhibits solid financial health with strong revenue growth and profitability improvements. The balance sheet shows a positive trend in leverage management, while cash flow metrics highlight efficient cash generation. Continued focus on improving EBIT and EBITDA margins and maintaining leverage will further strengthen financial stability.

Income Statement

UMH has shown consistent revenue growth with a TTM revenue growth rate of 2.5%. The gross profit margin remains strong at 54.8%, indicating efficient cost management. Net profit margin improved to 12.2% TTM, reflecting enhanced profitability. However, the EBIT and EBITDA margins, while healthy, show room for improvement compared to industry leaders.

Balance Sheet

The company's debt-to-equity ratio has improved significantly from 1.39 in 2022 to 0.67 TTM, indicating better leverage management. Return on equity has increased to 3.4% TTM, showing improved efficiency in generating profits from shareholders' equity. However, the equity ratio is not explicitly provided, which limits a full assessment of asset financing.

Cash Flow

UMH's cash flow performance is robust, with a free cash flow growth rate of 8.3% TTM. The operating cash flow to net income ratio is strong at 9.52, indicating efficient cash generation relative to net income. The free cash flow to net income ratio remains stable at 1.0, demonstrating consistent cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	256.66M	240.55M	220.93M	195.78M	186.12M	163.61M
Gross Profit	140.74M	131.30M	118.49M	102.55M	97.99M	86.02M
EBITDA	118.84M	108.97M	96.05M	70.24M	115.37M	65.05M
Net Income	26.88M	21.64M	8.01M	-4.85M	51.09M	5.05M
Balance Sheet
Total Assets	1.63B	1.56B	1.43B	1.34B	1.27B	1.09B
Cash, Cash Equivalents and Short-Term Investments	65.80M	131.60M	91.83M	71.96M	229.92M	118.51M
Total Debt	672.54M	614.72M	690.02M	899.70M	499.32M	558.49M
Total Liabilities	703.12M	647.82M	720.78M	793.40M	528.68M	587.61M
Stockholders Equity	924.69M	914.03M	704.72M	548.96M	742.14M	501.81M
Cash Flow
Free Cash Flow	87.91M	81.60M	120.08M	-7.23M	65.19M	66.84M
Operating Cash Flow	87.91M	81.60M	120.08M	-7.23M	65.19M	66.84M
Investing Cash Flow	-207.59M	-139.87M	-165.57M	-124.88M	-94.39M	-103.77M
Financing Cash Flow	87.35M	102.64M	69.06M	47.95M	125.63M	46.53M

Umh Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UMH, the sentiment is Positive. The current price of 16.42 is above the 20-day moving average (MA) of 15.99, above the 50-day MA of 15.50, and above the 200-day MA of 15.89, indicating a bullish trend. The MACD of 0.17 indicates Positive momentum. The RSI at 66.57 is Neutral, neither overbought nor oversold. The STOCH value of 59.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UMH.

Umh Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UMH	71 Outperform	$1.37B	210.63	3.02%	5.66%	8.91%	-39.58%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
VRE	63 Neutral	$1.38B	22.73	5.33%	2.17%	3.37%	―
CSR	59 Neutral	$1.15B	49.32	4.30%	4.58%	36.82%	―
BRT	52 Neutral	$283.59M	-28.50	-4.89%	6.98%	1.62%	11.38%
NXRT	51 Neutral	$791.01M	-16.46	-12.63%	7.06%	-4.46%	-206.19%
AIV	49 Neutral	$854.37M	-5.92	171.00%	7.42%	-4.63%	42.39%

Umh Corporate Events

UMH issues Regulation FD update on 2025 results

On January 5, 2026, the company provided investors with an update on its operating results for the fourth quarter and full year 2025. The disclosure clarified that the furnished information is not deemed filed for purposes of the Securities Exchange Act of 1934, is not subject to associated liabilities, and will not be incorporated into securities law filings unless expressly referenced, underscoring the company’s intent to limit legal exposure and define the regulatory status of the update for stakeholders.

The most recent analyst rating on (UMH) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on Umh stock, see the UMH Stock Forecast page.

UMH Expands Fannie Mae Credit Facility by $91.8M

On November 25, 2025, UMH Properties, Inc. expanded its Fannie Mae credit facility by adding seven manufactured home communities, totaling 1,765 sites, through Wells Fargo Bank, N.A., securing approximately $91.8 million in loan proceeds. This strategic move, with a fixed interest rate of 5.46% over a 9-year term, aims to fund further acquisitions, community expansions, and home purchases, while also addressing short-term high-interest debt, increasing the facility’s total outstanding amount to approximately $398.3 million.

The most recent analyst rating on (UMH) stock is a Buy with a $18.50 price target. To see the full list of analyst forecasts on Umh stock, see the UMH Stock Forecast page.

UMH Properties Reports Q3 2025 Financial Results

UMH Properties, Inc. reported a 10% increase in total income for the third quarter of 2025, reaching $66.9 million compared to the same period in 2024. Despite this growth, net income attributable to common shareholders decreased to $4.2 million from $8.2 million in the previous year. The company saw a 15% rise in normalized funds from operations, reflecting strong operational performance. Key achievements during the quarter included acquiring new communities, issuing bonds, and amending credit facilities, which underscore UMH’s strategic growth and financial stability.

The most recent analyst rating on (UMH) stock is a Hold with a $15.50 price target. To see the full list of analyst forecasts on Umh stock, see the UMH Stock Forecast page.