(UMH) UMH Properties - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US9030021037
Manufactured Home Communities, Rental Homes, Self-Storage Units, Joint Ventures
Dividends
| Dividend Yield | 5.97% |
| Yield on Cost 5y | 7.61% |
| Yield CAGR 5y | 4.24% |
| Payout Consistency | 97.3% |
| Payout Ratio | 11.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 23.0% |
| Value at Risk 5%th | 36.2% |
| Relative Tail Risk | -4.21% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.01 |
| Alpha | -27.24 |
| CAGR/Max DD | 0.02 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.329 |
| Beta | 0.407 |
| Beta Downside | 0.399 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.28% |
| Mean DD | 12.86% |
| Median DD | 12.88% |
Description: UMH UMH Properties November 12, 2025
UMH Properties, Inc. (NYSE: UMH) is a publicly traded REIT founded in 1968 that owns and operates 144 manufactured-home communities across 12 U.S. states, encompassing roughly 26,800 developed homesites. About 10,600 of those sites host rental homes, and the portfolio also includes more than 1,000 self-storage units. The company’s footprint features two Florida communities (363 sites) and a joint-venture partnership with Nuveen Real Estate for a Pennsylvania community.
As of the most recent filing, UMH reported an occupancy rate near 95% and FY 2023 AFFO of $1.12 per share, yielding an approximate 5.8% dividend yield. The REIT’s leverage stands at a debt-to-EBITDA ratio of roughly 5.2×, a level that is modest for the sector but sensitive to rising interest rates. Key macro drivers include persistent affordability gaps in the single-family market, which boost demand for manufactured-home rentals, and demographic trends-particularly younger households and seniors-favoring lower-cost, flexible housing options.
If you want a data-rich, unbiased view of UMH’s valuation and risk profile, a quick look at ValueRay’s analyst toolkit can help you spot any hidden upside or downside before you decide.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (26.9m TTM) > 0 and > 6% of Revenue (6% = 15.4m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -0.21pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 71.61% (prev 85.89%; Δ -14.28pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 87.9m > Net Income 26.9m (YES >=105%, WARN >=100%) |
| Net Debt (638.5m) to EBITDA (118.8m) ratio: 5.37 <= 3.0 (WARN <= 3.5) |
| Current Ratio 10.26 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (85.5m) change vs 12m ago 11.64% (target <= -2.0% for YES) |
| Gross Margin 54.84% (prev 54.49%; Δ 0.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 16.39% (prev 15.69%; Δ 0.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.98 (EBITDA TTM 118.8m / Interest Expense TTM 27.1m) >= 6 (WARN >= 3) |
Altman Z'' 0.90
| (A) 0.11 = (Total Current Assets 203.6m - Total Current Liabilities 19.9m) / Total Assets 1.63b |
| (B) -0.02 = Retained Earnings (Balance) -25.4m / Total Assets 1.63b |
| (C) 0.03 = EBIT TTM 53.8m / Avg Total Assets 1.57b |
| (D) -0.02 = Book Value of Equity -16.8m / Total Liabilities 703.1m |
| Total Rating: 0.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.99
| 1. Piotroski 2.50pt |
| 2. FCF Yield 4.71% |
| 3. FCF Margin 34.25% |
| 4. Debt/Equity 0.73 |
| 5. Debt/Ebitda 5.37 |
| 6. ROIC - WACC (= -4.44)% |
| 7. RoE 2.92% |
| 8. Rev. Trend 97.91% |
| 9. EPS Trend 37.21% |
What is the price of UMH shares?
As of December 02, 2025, the stock is trading at USD 14.92 with a total of 294,548 shares traded.
Over the past week, the price has changed by +0.00%, over one month by +3.17%, over three months by -0.10% and over the past year by -16.91%.
Over the past week, the price has changed by +0.00%, over one month by +3.17%, over three months by -0.10% and over the past year by -16.91%.
Is UMH a buy, sell or hold?
UMH Properties has received a consensus analysts rating of 4.22.
Therefore, it is recommended to buy UMH.
- Strong Buy: 5
- Buy: 1
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the UMH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 18.7 | 25.3% |
| Analysts Target Price | 18.7 | 25.3% |
| ValueRay Target Price | 15.4 | 3.1% |
UMH Fundamental Data Overview November 20, 2025
Market Cap USD = 1.26b (1.26b USD * 1.0 USD.USD)
P/E Trailing = 184.75
P/E Forward = 92.5926
P/S = 4.9155
P/B = 2.0869
P/EG = -14.5
Beta = 1.084
Revenue TTM = 256.7m USD
EBIT TTM = 53.8m USD
EBITDA TTM = 118.8m USD
Long Term Debt = 672.5m USD (from longTermDebt, last quarter)
Short Term Debt = 120.7m USD (from shortTermDebt, last fiscal year)
Debt = 672.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 638.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.87b USD (1.26b + Debt 672.5m - CCE 65.8m)
Interest Coverage Ratio = 1.98 (Ebit TTM 53.8m / Interest Expense TTM 27.1m)
FCF Yield = 4.71% (FCF TTM 87.9m / Enterprise Value 1.87b)
FCF Margin = 34.25% (FCF TTM 87.9m / Revenue TTM 256.7m)
Net Margin = 10.47% (Net Income TTM 26.9m / Revenue TTM 256.7m)
Gross Margin = 54.84% ((Revenue TTM 256.7m - Cost of Revenue TTM 115.9m) / Revenue TTM)
Gross Margin QoQ = 53.99% (prev 54.73%)
Tobins Q-Ratio = 1.15 (Enterprise Value 1.87b / Total Assets 1.63b)
Interest Expense / Debt = 1.18% (Interest Expense 7.93m / Debt 672.5m)
Taxrate = 88.47% (19.0m / 21.4m)
NOPAT = 6.21m (EBIT 53.8m * (1 - 88.47%))
Current Ratio = 10.26 (Total Current Assets 203.6m / Total Current Liabilities 19.9m)
Debt / Equity = 0.73 (Debt 672.5m / totalStockholderEquity, last quarter 924.7m)
Debt / EBITDA = 5.37 (Net Debt 638.5m / EBITDA 118.8m)
Debt / FCF = 7.26 (Net Debt 638.5m / FCF TTM 87.9m)
Total Stockholder Equity = 920.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.65% (Net Income 26.9m / Total Assets 1.63b)
RoE = 2.92% (Net Income TTM 26.9m / Total Stockholder Equity 920.8m)
RoCE = 3.38% (EBIT 53.8m / Capital Employed (Equity 920.8m + L.T.Debt 672.5m))
RoIC = 0.50% (NOPAT 6.21m / Invested Capital 1.24b)
WACC = 4.94% (E(1.26b)/V(1.93b) * Re(7.51%) + D(672.5m)/V(1.93b) * Rd(1.18%) * (1-Tc(0.88)))
Discount Rate = 7.51% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 12.79%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈86.4m ; Y1≈56.7m ; Y5≈25.9m
Fair Price DCF = 5.98 (DCF Value 509.8m / Shares Outstanding 85.2m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 37.21 | EPS CAGR: -27.84% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.91 | Revenue CAGR: 10.53% | SUE: -0.60 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.04 | Chg30d=-0.007 | Revisions Net=-1 | Analysts=5
EPS next Year (2026-12-31): EPS=0.20 | Chg30d=-0.028 | Revisions Net=-1 | Growth EPS=+65.7% | Growth Revenue=+8.5%
P/E Trailing = 184.75
P/E Forward = 92.5926
P/S = 4.9155
P/B = 2.0869
P/EG = -14.5
Beta = 1.084
Revenue TTM = 256.7m USD
EBIT TTM = 53.8m USD
EBITDA TTM = 118.8m USD
Long Term Debt = 672.5m USD (from longTermDebt, last quarter)
Short Term Debt = 120.7m USD (from shortTermDebt, last fiscal year)
Debt = 672.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 638.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.87b USD (1.26b + Debt 672.5m - CCE 65.8m)
Interest Coverage Ratio = 1.98 (Ebit TTM 53.8m / Interest Expense TTM 27.1m)
FCF Yield = 4.71% (FCF TTM 87.9m / Enterprise Value 1.87b)
FCF Margin = 34.25% (FCF TTM 87.9m / Revenue TTM 256.7m)
Net Margin = 10.47% (Net Income TTM 26.9m / Revenue TTM 256.7m)
Gross Margin = 54.84% ((Revenue TTM 256.7m - Cost of Revenue TTM 115.9m) / Revenue TTM)
Gross Margin QoQ = 53.99% (prev 54.73%)
Tobins Q-Ratio = 1.15 (Enterprise Value 1.87b / Total Assets 1.63b)
Interest Expense / Debt = 1.18% (Interest Expense 7.93m / Debt 672.5m)
Taxrate = 88.47% (19.0m / 21.4m)
NOPAT = 6.21m (EBIT 53.8m * (1 - 88.47%))
Current Ratio = 10.26 (Total Current Assets 203.6m / Total Current Liabilities 19.9m)
Debt / Equity = 0.73 (Debt 672.5m / totalStockholderEquity, last quarter 924.7m)
Debt / EBITDA = 5.37 (Net Debt 638.5m / EBITDA 118.8m)
Debt / FCF = 7.26 (Net Debt 638.5m / FCF TTM 87.9m)
Total Stockholder Equity = 920.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.65% (Net Income 26.9m / Total Assets 1.63b)
RoE = 2.92% (Net Income TTM 26.9m / Total Stockholder Equity 920.8m)
RoCE = 3.38% (EBIT 53.8m / Capital Employed (Equity 920.8m + L.T.Debt 672.5m))
RoIC = 0.50% (NOPAT 6.21m / Invested Capital 1.24b)
WACC = 4.94% (E(1.26b)/V(1.93b) * Re(7.51%) + D(672.5m)/V(1.93b) * Rd(1.18%) * (1-Tc(0.88)))
Discount Rate = 7.51% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 12.79%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈86.4m ; Y1≈56.7m ; Y5≈25.9m
Fair Price DCF = 5.98 (DCF Value 509.8m / Shares Outstanding 85.2m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 37.21 | EPS CAGR: -27.84% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.91 | Revenue CAGR: 10.53% | SUE: -0.60 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.04 | Chg30d=-0.007 | Revisions Net=-1 | Analysts=5
EPS next Year (2026-12-31): EPS=0.20 | Chg30d=-0.028 | Revisions Net=-1 | Growth EPS=+65.7% | Growth Revenue=+8.5%
Additional Sources for UMH Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle