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Stock Ratings / Financials / UMH / dividends
MPT (39) ALX (64) AAT (57) FRMI (31) ⌘ Pro Terminal β†’

UMH Properties Inc. (UMH) Dividend Safety Gauge & 10-Year DRIP Compounder

$14.75 -3.40% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $14.63

UMH Properties Inc. (UMH) carries a Roarable Rating of D (Sell) with 49/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D β€’ SELL / AVOID Cap $1.30B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UMH Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is UMH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, UMH Properties Inc. (NYSE: UMH) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $14.75 (-3.40% 1D, market cap $1.30B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, UMH ranks #671 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does UMH compare to MPT and ALX in the Financials sector?
β–Ό

Within the Financials sector (Real Estate Investment Trusts), UMH carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of 0.7%. By comparison, MPT (Medical Properties Trust Inc.) holds a D- grade (39/100 RQD, P/E N/A, ROIC -6.0%, cap $1.30B) and ALX (Alexander's Inc.) posts a C grade (64/100 RQD, P/E 45.1x, ROIC 25.9%, cap $1.28B). Among the 5-stock peer group, ALX leads on earnings multiple (45.1x) while ALX leads on capital efficiency (25.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UMH?
β–Ό

Per UMH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000752642), UMH Properties Inc. generated $261.8M in revenue (+8.8% YoY), $6.0M in net income, and $82.0M in free cash flow against $1.70B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $14.63 (-0.80%)🧬 Cannibal Buyback (-1.24% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 31.3% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (49/100 Β· D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510049
2-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D Β· Rk D
Cash (10)Whales (8)SEC (13)Macro (6)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE-4.1% Base Target
$18 Bull$14 Base$11 Bear
πŸ“¬ FREE UMH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for UMH)Realized 20D OHLCV Swing Band: Β±3.6%
Deterministic 5-Pillar Attribution (49/100 Composite)
πŸ” WHY UMH SCORES 49/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (27% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 6/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+12/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 60% Net Buy β€’ Cannibal Buyback (-1.24% YoY Shares)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (49) create a -14 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
57
Grade C$15.03-0.1% Next Q
Q2 (-2Q)
54
Grade C-$15.02-0.3% Next Q
Q3 (-1Q)
52
Grade C-$14.98-1.5% Next Q
Current
49
Grade D$14.75-5.4% Hist 90D Ξ±
Trajectory: C (57) β†’ D (49)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a UMH Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While UMH currently carries a cautious 49/100 (D) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($15.53) and Max Pain ($15.49) forces dealer call-delta covering toward $17.61.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UMHβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œUMH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 49%NO 51%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
7.28% Total Yield
5.48% Cash ($0.81/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
68/100 β€’ SAFE COVERAGE
FREE CASH FLOW PAYOUT RATIO
56.5% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (12.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $31,337

Est. Year-10 Shareholder Yield: $2,281/yr
$11.2K
Yr 1
$12.6K
Yr 2
$14.1K
Yr 3
$15.8K
Yr 4
$17.7K
Yr 5
$19.8K
Yr 6
$22.2K
Yr 7
$24.9K
Yr 8
$28.0K
Yr 9
$31.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring UMH)

  • βœ“Walkthrough of UMH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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UMH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.05%πŸ›‘οΈ HOLDING TREND SUPPORT
2026-11-04O $15.15H $15.27L $14.75C $14.75VOL 780.9K
RES: $17.61SUP: $14.75SMA50: $15.53SMA200: $15.45
$16.91$16.32$15.73$15.15$14.56RES $17.61SUP $14.75$14.752026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UMH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ UMH Butterfly Map β†’ + Track UMH β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +8.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on UMH today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for UMH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for UMH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UMH)

Financials Rank #671 of 1097 βš”οΈ MPT vs UMH Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (UMH vs. MPT, ALX, AAT, FRMI)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, UMH Properties Inc. (UMH) ranks #671 by composite RQD confidence (49/100, grade D) and #510 by equity capitalization ($1.30B). Within this direct 5-issuer industry benchmark cohort, ALX leads on earnings valuation at 45.1x trailing P/E, while ALX leads on capital efficiency and profitability with 25.9% ROIC and β€” gross margin. ALX currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with UMH at 49/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
UMH ACTIVE
UMH Properties Inc.
D 49/100 β€” β€” 0.7% -3.40% $1.30B Benchmark Subject
MPT
Medical Properties Trust Inc.
D- 39/100 β€” β€” -6.0% -7.34% $1.30B /mpt-vs-umh β†’
ALX
Alexander's Inc.
C 64/100 45.1x β€” 25.9% -4.30% $1.28B /alx-vs-umh β†’
AAT
American Assets Trust Inc.
D+ 57/100 β€” β€” 11.3% -0.73% $1.34B /aat-vs-umh β†’
FRMI
Fermi Inc.
E 31/100 β€” β€” -20.4% -7.71% $1.41B /frmi-vs-umh β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000752642 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), UMH Properties Inc. (UMH) reported GAAP revenue of $261.8M (+8.8% vs. FY2024 revenue of $240.6M , and +18.5% cumulative change since FY2023) , GAAP net income of $6.0M, operating cash flow of $82.0M, and free cash flow of $82.0M (+0.5% YoY). On the balance sheet, UMH closed FY2025 with $1.70B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $261.8M $6.0M $82.0M $82.0M $1.70B β€”
FY2024 (FY) 2024-12-31 $240.6M $2.5M $81.6M $81.6M $1.56B β€”
FY2023 (FY) 2023-12-31 $220.9M -$8.7M $120.1M $120.1M β€” β€”

3. UMH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UMH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, UMH Properties Inc. (NYSE: UMH) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $14.75 (-3.40% 1D, market cap $1.30B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, UMH ranks #671 in composite RQD confidence.

How does UMH compare to MPT and ALX in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), UMH carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of 0.7%. By comparison, MPT (Medical Properties Trust Inc.) holds a D- grade (39/100 RQD, P/E N/A, ROIC -6.0%, cap $1.30B) and ALX (Alexander's Inc.) posts a C grade (64/100 RQD, P/E 45.1x, ROIC 25.9%, cap $1.28B). Among the 5-stock peer group, ALX leads on earnings multiple (45.1x) while ALX leads on capital efficiency (25.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UMH?

Per UMH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000752642), UMH Properties Inc. generated $261.8M in revenue (+8.8% YoY), $6.0M in net income, and $82.0M in free cash flow against $1.70B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UMH trading relative to its 50-day, 200-day, and 52-week technical levels?

UMH last traded at $14.75 (-3.40% on volume of 2,540,230 shares), positioning the stock -5.02% below its 50-day simple moving average ($15.53) and -4.53% below its 200-day simple moving average ($15.45). Across its 52-week range of $13.93 to $16.77, UMH sits at the 28.9% percentile with a 14-day RSI of 49.0 (NEUTRAL RANGE) and an implied next-earnings move of Β±3.6% ($14.22 to $15.28).

Direct Sub-Reports: UMH RQD Cockpit UMH 12M Forecast UMH Earnings & Move UMH Dividends & DRIP UMH Insiders & 13F UMH Whale Options UMH Profit Sankey UMH News & Why
ROARABLE RATING BRIEF β€’ RQD 49/100 (D) βœ“ SEC XBRL & RQD VERIFIED

UMH β€” UMH Properties Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

UMH Properties Inc. (UMH) earns a live Roarable RQD composite score of 49/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $14.75 (-3.40% 1D, market capitalization $1.30B).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 0.7%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 6.31%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

UMH Properties Inc. Is a NYSE-listed issuer classified under the Financials sector and the Real Estate Investment Trusts industry. The market capitalization is $1.3B. The profile does not describe specific products, customers, or revenue mechanics. β€” for detailed business model specifics beyond the sector and industry classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), UMH Properties Inc. (UMH) reported $261.8M in annual revenue (up from $240.6M in FY2024, +8.8% YoY) and $6.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($220.9M revenue, -$8.7M net income) through FY2025, UMH scaled operating cash flow to $82.0M and free cash flow to $82.0M, backed by $1.70B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D β€’ RQD 49/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 6.31% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $13.93 – $16.77 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies are therefore β€” Sector correlation data is likewise β€” A prospective investor should note that the lack of mapped links means second-order ripple analysis cannot be supported from the provided data.

  • Key Question #1: Can UMH sustain or expand its β€” operating margin and 0.7% ROIC against Real Estate Investment Trusts peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $261.8M and free cash flow of $82.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is UMH's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

UMH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for UMH Properties Inc. (UMH) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to UMH Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

UMH Bull vs. Bear Conversation Board β€” What's Your Call at $14.75?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON UMH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on UMH:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER β€’ FCF Compounder Hunter πŸ‚ BULLISH 🎯 Target: $18.48 (+22.0%)
πŸ“Œ Pinned Debate

Forensic balance sheet (Altman Z 2.5, Piotroski F 6/9) and a 6.31% FCF yield provide a cash-backed floor for the 5.48% dividend yield.

Picked up a starter position in UMH in my $100K Virtual Cash book at $15.15. Forensic balance sheet (Altman Z 2.5, Piotroski F 6/9) and a 6.31% FCF yield provide a cash-backed floor for the 5.48% dividend yield.. Trading inside a $13.93–$16.77 52-week range with 6.31% FCF yield gives solid downside support if Real Estate Investment Trusts multiples expand this quarter.

EarningsSniper πŸ‚ BULL

@FadeTheHype Shorting a 8/20 institutional whale-flow stock at $15.15 is dangerous when funds are rotating into Financials.

FA FadeTheHype RQD DEBATE OPENER β€’ Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $11.36 (-25.0%)
Spot @ $15.15

ROIC of 0.7% and a macro-regime fit score of 6/20 indicate weak capital efficiency and limited alignment, under a distribution-warning

Here is the bear case nobody on the bull side wants to address on UMH: ROIC of 0.7% and a macro-regime fit score of 6/20 indicate weak capital efficiency and limited alignment, under a distribution-warning rating.. At current EV/EBITDA multiples, even a small guidance miss in Real Estate Investment Trusts triggers a 12-15% air pocket.

LIVE TAPE