Umh (UMH) AI Stock Analysis

• Market Cap: $1.31B
• Dividend Yield: 5.81%
• Average Volume (3M): 617.38K
• Price to Earnings (P/E): 201.0
• Beta (1Y): 0.36
• 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: 510,736
• 30 Day Avg. Volume: 617,381
• 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: 1.71
• Enterprise Value/Revenue: 8.71
• Enterprise Value/Gross Profit: 15.87
• Enterprise Value/Ebitda: 18.80
• 1Y Price Target: $18.90
• Price Target Upside: 23.37% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 0.14
• Revenue Forecast (FY): $264.12M

• Rating: 68 Neutral
• Price Target: $16.50 ▲(7.70% Upside)

UMH's overall stock score reflects strong financial performance and a positive earnings call, tempered by high valuation concerns. The technical analysis suggests mixed momentum, with short-term strength but potential long-term resistance. The company's strategic initiatives and dividend yield provide additional support.

Positive Factors

Revenue Growth

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

Expansion and Acquisition Strategy

Strategic acquisitions and expansion plans enhance UMH's market position and revenue potential, contributing to sustainable growth.

Strong Balance Sheet

A strong balance sheet with fixed-rate debt ensures financial stability and reduces vulnerability to interest rate fluctuations.

Negative Factors

Community Operating Expenses

Rising operating expenses can pressure margins and profitability, potentially impacting long-term financial performance if not managed.

Rental Home Occupancy Slight Decline

A decline in rental occupancy, even slight, can signal challenges in maintaining tenant demand, affecting revenue consistency.

Onetime Legal and Professional Fees

Significant onetime fees can impact short-term profitability and highlight potential risks in operational management or legal challenges.

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: 15.32
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• 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 15.32 is above the 20-day moving average (MA) of 15.07, above the 50-day MA of 14.72, and below the 200-day MA of 16.15, indicating a neutral trend. The MACD of 0.11 indicates Negative momentum. The RSI at 59.03 is Neutral, neither overbought nor oversold. The STOCH value of 62.09 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	68 Neutral	$1.31B	201.05	3.02%	5.81%	8.91%	-39.58%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
CSR	64 Neutral	$1.13B	48.12	4.30%	4.80%	36.82%	―
VRE	62 Neutral	$1.37B	22.65	5.33%	2.24%	3.37%	―
NXRT	51 Neutral	$803.75M	―	-12.63%	6.88%	-4.46%	-206.19%
AIV	50 Neutral	$802.50M	―	171.00%	7.71%	-4.63%	42.39%
BRT	47 Neutral	$275.61M	―	-4.89%	6.90%	1.62%	11.38%

Umh Corporate Events

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.

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.

Umh Completes Acquisition of Albany Home Community

On October 7, 2025, Umh announced the completion of its acquisition of a manufactured home community in Albany, Georgia, for $2.6 million. This strategic acquisition is expected to enhance Umh’s portfolio and strengthen its position in the real estate market, potentially offering new opportunities for growth and value creation for stakeholders.

UMH Properties Reports Strong Q3 2025 Results

On October 1, 2025, UMH Properties, Inc. announced its third-quarter 2025 operating results, highlighting significant growth in sales and occupancy. The company converted 223 new homes to rental units, increasing its rental home occupancy rate to 94.1%. It reported a 14% increase in gross home sales revenue compared to the previous year, partly due to the success of its joint venture at Honey Ridge. UMH also acquired two new communities in Maryland and completed a bond sale in Israel, raising $80.2 million for corporate purposes. The company anticipates continued growth in sales and occupancy, with a strong pipeline for the fourth quarter.

UMH Properties Announces Quarterly Dividend Declaration

On October 1, 2025, UMH Properties, Inc. announced the declaration of quarterly dividends on both its common and preferred stock. The Board of Directors declared a dividend of $0.225 per share on common stock and $0.3984375 per share on Series D preferred stock, both payable on December 15, 2025, to shareholders of record as of November 17, 2025. This announcement reflects UMH’s ongoing commitment to providing shareholder value through regular dividend distributions.

Umh Expands Stock Repurchase Program to $100 Million

On September 22, 2025, Umh announced that its Board of Directors authorized an increase in the company’s common stock repurchase program capacity to $100 million, up from the previous limit of $25 million. This move signifies a strategic effort to enhance shareholder value and reflects confidence in the company’s financial health and future prospects.

UMH Properties Appoints Todd J. Clark as Director

On September 17, 2025, UMH Properties, Inc. appointed Todd J. Clark as a Class I Director, with his term expiring in 2028. Mr. Clark, the Dean of Widener University Delaware Law School, brings extensive legal and academic experience to the board, which is expected to support UMH’s ongoing growth. His appointment is seen as a strategic move to enhance the company’s governance and management capabilities.