Umh (UMH) AI Stock Analysis

• Market Cap: $1.46B
• Dividend Yield: 5.19%
• Average Volume (3M): 481.95K
• Price to Earnings (P/E): 155.8
• Beta (1Y): 0.50
• Revenue Growth: 8.01%
• EPS Growth: N/A
• Country: US
• Employees: 513
• Sector: Real Estate
• Sector Strength: 52
• Industry: REIT - Residential
• EPS (TTM): 0.00
• Shares Outstanding: 84,075,330
• 10 Day Avg. Volume: 723,027
• 30 Day Avg. Volume: 481,947
• PEG Ratio: 0.15
• Price to Book (P/B): 1.60
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -9.83
• Enterprise Value/Market Cap: 1.10
• Enterprise Value/Revenue: 1.69
• Enterprise Value/Gross Profit: 11.99
• Enterprise Value/Ebitda: 3.64
• 1Y Price Target: $20.60
• Price Target Upside: 18.80% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5

• Rating: 70 Outperform
• Price Target: $19.00 ▲(9.57%Upside)

UMH's overall stock score is driven by solid financial performance and strategic corporate events. However, high valuation metrics and neutral technical indicators moderate the score. The earnings call provided balanced insights, with both positive growth and operational challenges.

Positive Factors

Acquisition Strategy

UMH's value-add acquisition strategy has positioned the company with 3,400 vacant sites on which it can place long-term rental units or lease to owners of manufactured homes at profitable margins.

Dividend Increase

The Board of Directors approved an increase of the quarterly dividend to $0.225, marking the 5th consecutive year the company has increased the dividend, representing a total increase of 25%.

Earnings and Returns

In the next four quarters, a dividend yield of 5.1% and stock price appreciation of 15.3% is expected, resulting in an estimated total return of about 20%.

Negative Factors

FFO Estimate

The company lowered its 2025 core FFO estimate to $0.98, from $1.06, reflecting some caution.

Sector Risk

If there is a risk for the sector, it is the valuation gap could narrow in the event of a cycle reversal.

Umh Business Overview & Revenue Model

Company Description

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How the Company Makes Money

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Umh Financial Statement Overview

Summary

Umh shows solid revenue growth, a healthy gross profit margin, and improved net profit margin. However, increased leverage and a declining EBIT margin are concerns despite strong cash flow.

Income Statement

Umh has demonstrated solid revenue growth over recent periods, with a TTM revenue of $244.1M showing a positive trend. The gross profit margin is healthy at 54.9%, indicating good control over production costs. The net profit margin stands at 11.5% for TTM, which is a significant improvement from previous years, reflecting effective cost management and operational efficiency. However, the decline in EBIT margin compared to historical performance indicates some pressure on operating profitability.

Balance Sheet

The company's debt-to-equity ratio of 0.66 indicates a balanced capital structure, though leverage has increased slightly over time. Return on equity is improving, currently at 3.1%, showcasing enhanced profitability relative to shareholders' equity. The equity ratio of 59% suggests a strong equity base providing stability. However, the increase in debt levels requires close monitoring to ensure long-term sustainability.

Cash Flow

Operating cash flow is robust at $75.3M in TTM, covering free cash flow needs and indicating strong cash generation capability. The free cash flow to net income ratio is high, signaling effective cash management. The operating cash flow to net income ratio of 2.68 highlights efficient conversion of profits into cash. However, fluctuations in free cash flow growth need attention for future planning.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	244.10M	240.55M	220.93M	195.78M	186.10M	163.61M
Gross Profit	134.13M	131.30M	118.49M	102.55M	97.96M	86.02M
EBITDA	115.78M	108.97M	96.05M	82.95M	83.05M	73.66M
Net Income	28.08M	21.64M	8.01M	-31.41M	31.30M	-13.95M
Balance Sheet
Total Assets	1.55B	1.56B	1.43B	1.34B	1.27B	1.09B
Cash, Cash Equivalents and Short-Term Investments	65.53M	131.60M	91.83M	71.96M	229.92M	118.51M
Total Debt	606.30M	614.72M	690.02M	761.68M	499.32M	556.29M
Total Liabilities	635.11M	647.82M	720.78M	793.40M	528.68M	585.41M
Stockholders Equity	912.36M	914.03M	704.72M	548.96M	742.14M	501.81M
Cash Flow
Free Cash Flow	75.33M	81.60M	120.08M	-89.09M	65.16M	66.38M
Operating Cash Flow	75.33M	81.60M	120.08M	-7.98M	65.16M	69.04M
Investing Cash Flow	-170.85M	-139.87M	-165.57M	-124.12M	-94.36M	-103.77M
Financing Cash Flow	92.79M	102.64M	69.06M	47.95M	125.63M	44.33M

Umh Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.34
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 17.34 is above the 20-day moving average (MA) of 16.91, above the 50-day MA of 16.96, and below the 200-day MA of 17.85, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 59.01 is Neutral, neither overbought nor oversold. The STOCH value of 90.03 is Negative, 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	70 Outperform	$1.46B	155.80	3.45%	5.19%	8.01%	―
CSR	66 Neutral	$1.08B	―	-1.55%	5.04%	-1.81%	-33.33%
BRT	64 Neutral	$306.04M	―	-4.28%	6.23%	2.39%	-407.57%
Sector *	53 Neutral	$1.21B	3.28	-0.13%	7.06%	-1.64%	-127.47%
NXRT	53 Neutral	$862.92M	866.19	-7.19%	6.04%	-7.44%	-143.64%
VRE	48 Neutral	$1.37B	―	-2.76%	2.17%	-3.20%	76.43%
AIV	48 Neutral	$1.25B	―	-48.27%	6.81%	9.28%	34.42%

Umh Corporate Events

Umh Releases Second Quarter 2025 Operating Results

On July 2, 2025, Umh company provided an update on its second quarter 2025 operating results. The report, which includes Exhibits 99, is not considered ‘filed’ for purposes of the Securities Exchange Act of 1934 and will not be incorporated by reference into any filing under the Securities Act of 1933 or the Exchange Act unless specifically stated.

The most recent analyst rating on (UMH) stock is a Buy with a $20.50 price target. To see the full list of analyst forecasts on Umh stock, see the UMH Stock Forecast page.

UMH Properties Declares Quarterly Dividends for 2025

On July 1, 2025, UMH Properties, Inc. announced the declaration of quarterly dividends for its common and preferred stock. The common stock dividend is set at $0.225 per share, while the Series D Cumulative Redeemable Preferred Stock dividend is $0.3984375 per share. Both dividends are payable on September 15, 2025, to shareholders recorded by August 15, 2025. This announcement underscores UMH’s commitment to providing consistent returns to its investors, reflecting its stable financial performance and strategic positioning in the manufactured home community sector.

The most recent analyst rating on (UMH) stock is a Buy with a $20.50 price target. To see the full list of analyst forecasts on Umh stock, see the UMH Stock Forecast page.

UMH Properties Holds Annual Shareholder Meeting

On May 28, 2025, UMH Properties, Inc. held its annual shareholder meeting where 91.97% of the entitled shares were represented. Key outcomes included the election of three Class I directors, the ratification of PKF O’Connor Davies, LLP as the independent accounting firm for 2025, approval of executive compensation for 2024, and an amendment to the 2023 Equity Incentive Award Plan. These decisions reflect the company’s ongoing governance and strategic planning efforts.

The most recent analyst rating on (UMH) stock is a Buy with a $20.50 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

On May 15, 2025, UMH Properties, Inc. expanded its Fannie Mae credit facility by adding ten communities comprising 2,001 sites, securing approximately $101.4 million through Wells Fargo Bank. This refinancing, with a fixed interest rate of 5.855% over a 10-year term, aims to fund further acquisitions, expansions, and debt repayment. The appraisal valued these communities at $163.5 million, significantly higher than the company’s investment of $66.6 million, highlighting a 146% increase in value. This strategic move underscores UMH’s ability to enhance property value through acquisitions and improvements, supporting its mission to provide affordable housing and generate long-term shareholder returns.

The most recent analyst rating on (UMH) stock is a Buy with a $20.50 price target. To see the full list of analyst forecasts on Umh stock, see the UMH Stock Forecast page.

UMH Properties Reports First-Quarter 2025 Results

On May 1, 2025, UMH Properties, Inc. announced its first-quarter results for March 31, 2025, along with a supplemental information package for its earnings conference call. The announcement highlighted various risks and uncertainties impacting the company’s operations, such as changes in real estate market conditions, competition, and economic factors, which could affect its ability to maintain rental rates, acquire properties, and manage debt obligations.