Also trades as: UMH-PC (NYSE) · $vol 1M · UMH-PD (NYSE) · $vol 0M · UMH.TA (TLV) · $vol 0M

$15.30

-0.15 (-0.97%)

Weekly Expected Move ±2.2%

$14 $15 $15 $15 $16

NYSE · Real Estate · REIT - Residential · Alpha Radar Neutral · Power 56 · $1.3B mcap · 80M float · 0.824% daily turnover · Short 36% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

41.3 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 3.0% · 5Y Avg: 1.6%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. UMH shows a Weak competitive edge (41.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Switching Costs. ROIC of 3.0% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$16

Avg Target

$16

High

Based on 3 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 13Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$16.00

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-05	Cantor Fitzgerald	—	$15	$16	+1	+0.3%	$15.96
2025-12-03	Colliers Securities	—	Initiated	$17	—	+13.3%	$15.01
2025-10-01	Cantor Fitzgerald	Richard Anderson	Initiated	$15	—	+1.0%	$14.85
2025-05-05	Maxim Group	Michael Diana	Initiated	$20	—	+18.5%	$17.30
2024-08-15	B.Riley Financial	John Massocca	$18	$22	+4	+15.6%	$19.46
2024-08-08	Wedbush	Richard Anderson	$17	$20	+3	+5.3%	$19.00
2024-03-25	Wedbush	Richard Anderson	Initiated	$17	—	+7.1%	$15.88
2024-03-21	B.Riley Financial	John Massocca	Initiated	$18	—	+13.8%	$16.26
2022-10-12	Wolfe Research	Keegan Carl	Initiated	$19	—	+19.9%	$15.85

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. UMH receives an overall rating of B. Strongest factors: DCF (4/5). Areas of concern: P/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-04	C+	B
2026-04-30	B-	C+
2026-04-28	B	B-
2026-04-13	B-	B
2026-04-13	B	B-
2026-04-06	B-	B
2026-04-01	B	B-
2026-03-31	B-	B
2026-03-30	B	B-
2026-03-27	B-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 51 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. UMH scores highest in Momentum (78/100) and lowest in Safety (30/100). An overall grade of A places UMH among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

1.33

Distress Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.52

Unlikely Manipulator

Ohlson O-Score

-7.65

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

BBB-

Score: 51.8/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 3.78x

Accruals: -5.0%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. UMH scores 1.33, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. UMH scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. UMH's score of -2.52 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. UMH's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. UMH receives an estimated rating of BBB- (score: 51.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). UMH's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

44.24x

PEG

-2.65x

P/S

4.89x

P/B

1.45x

P/FCF

14.21x

P/OCF

11.09x

EV/EBITDA

15.58x

EV/Revenue

7.12x

EV/EBIT

35.18x

EV/FCF

21.89x

Earnings Yield

2.39%

FCF Yield

7.04%

Shareholder Yield

7.55%

Graham Number

$9.06

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 44.2x earnings, UMH is priced for high growth expectations. Graham's intrinsic value formula yields $9.06 per share, 69% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

1.008

NI / EBT

Interest Burden

0.541

EBT / EBIT

EBIT Margin

0.202

EBIT / Rev

Asset Turnover

0.163

Rev / Assets

Equity Multiplier

1.793

Assets / Equity

ROE

3.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. UMH's ROE of 3.2% is driven by a balanced combination of operating margin, asset efficiency, and leverage. A tax burden ratio of 1.01 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

2.17%

Fair P/E

12.84x

Intrinsic Value

$4.42

Price/Value

3.26x

Margin of Safety

-226.48%

Premium

226.48%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with UMH's realized 2.2% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. UMH trades at a 226% premium to its adjusted intrinsic value of $4.42, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 12.8x compares to the current market P/E of 44.2x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$15.29

Median 1Y

$15.39

5th Pctile

$9.22

95th Pctile

$25.63

Ann. Volatility

32.6%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Samuel A. Landy President and Chief Executive Officer	$330,000	$290,160	$742,702
Eugene W. Landy Chairman of the Board	$175,000	$122,760	$589,260
Anna T. Chew Vice President and Chief Financial Officer	$273,700	$122,760	$480,785
Allison Nagelberg General Counsel	$178,126	$111,600	$382,785
Michael P. Landy Executive Vice President	$90,463	$122,760	$323,223

CEO Pay Ratio

14:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $742,702

Avg Employee Cost (SGA/emp): $53,406

Employees: 540

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

540

+5.3% YoY

Revenue / Employee

$484,730

Rev: $261,754,000

Profit / Employee

$49,072

NI: $26,499,000

SGA / Employee

$53,406

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	9.8%	10.9%	8.2%	6.5%	2.9%	1.4%	-0.8%	-1.5%	-0.5%	0.1%	1.3%	1.3%	2.2%	4.5%	2.7%	3.5%	3.8%	3.3%	2.9%	3.2%	3.23%
ROA	4.9%	5.4%	4.3%	3.4%	1.5%	0.7%	-0.4%	-0.7%	-0.2%	0.0%	0.6%	0.6%	1.0%	2.0%	1.4%	1.9%	2.0%	1.8%	1.6%	1.8%	1.80%
ROIC	3.4%	3.6%	3.4%	3.5%	3.4%	3.1%	1.7%	1.7%	1.7%	2.3%	2.8%	2.9%	3.1%	3.2%	3.0%	3.1%	3.2%	3.3%	2.9%	3.0%	3.03%
ROCE	6.6%	7.2%	5.6%	4.8%	3.1%	2.5%	1.6%	1.5%	2.1%	2.5%	2.9%	2.8%	3.1%	4.0%	3.2%	3.5%	3.6%	3.5%	3.3%	3.2%	3.21%
Gross Margin	50.9%	52.8%	54.7%	54.1%	51.7%	50.9%	53.0%	52.3%	53.4%	53.6%	55.1%	53.8%	55.2%	53.9%	55.4%	55.3%	54.7%	54.0%	3.1%	55.4%	55.36%
Operating Margin	18.4%	19.8%	18.4%	17.5%	16.2%	14.1%	12.6%	14.0%	16.1%	17.1%	18.0%	16.1%	18.3%	19.4%	16.8%	15.6%	19.0%	19.2%	16.0%	17.5%	17.49%
Net Margin	32.7%	8.7%	37.0%	7.1%	-13.6%	-9.9%	7.6%	-2.8%	-0.7%	-2.6%	19.8%	-2.8%	8.7%	21.4%	8.1%	7.9%	11.5%	14.0%	6.9%	11.8%	11.78%
EBITDA Margin	65.7%	42.4%	72.2%	44.6%	23.8%	27.0%	49.3%	38.4%	39.8%	36.3%	58.8%	35.7%	45.7%	56.2%	43.2%	44.8%	46.1%	50.8%	45.4%	40.6%	40.55%
FCF Margin	40.0%	35.5%	35.0%	30.5%	19.8%	12.4%	-18.1%	-27.1%	-7.2%	10.9%	42.3%	55.9%	45.6%	35.7%	33.9%	30.9%	32.4%	34.3%	31.3%	32.5%	32.54%
OCF Margin	40.0%	35.5%	35.0%	30.5%	19.8%	12.4%	-4.1%	-0.3%	18.8%	36.4%	54.5%	55.9%	45.6%	35.7%	33.9%	30.9%	32.4%	34.3%	31.3%	41.7%	41.70%
ROE 3Y Avg	snapshot only																				2.48%
ROE 5Y Avg	snapshot only																				2.23%
ROA 3Y Avg	snapshot only																				1.36%
ROIC 3Y Avg	snapshot only																				1.89%
ROIC Economic	snapshot only																				2.87%
Cash ROA	snapshot only																				6.54%
Cash ROIC	snapshot only																				7.07%
CROIC	snapshot only																				5.52%
NOPAT Margin	snapshot only																				17.89%
Pretax Margin	snapshot only																				10.95%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				10.58%
SBC / Revenue	snapshot only																				1.77%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	16.01	15.54	22.46	26.30	45.03	88.78	-161.00	-78.80	-262.44	1924.46	115.87	130.97	79.00	50.55	67.17	53.20	45.33	46.52	51.07	41.91	44.243
P/S Ratio	4.62	4.87	6.17	5.64	4.24	3.88	3.99	3.73	4.11	3.81	4.20	4.57	4.61	5.99	6.04	6.12	5.52	4.87	5.17	4.62	4.892
P/B Ratio	1.64	1.78	1.55	1.43	1.08	1.01	1.42	1.38	1.56	1.48	1.32	1.46	1.51	2.00	1.59	1.63	1.51	1.37	1.49	1.36	1.454
P/FCF	11.54	13.72	17.61	18.50	21.44	31.22	-22.07	-13.78	-57.40	34.81	9.92	8.16	10.12	16.78	17.81	19.83	17.03	14.22	16.51	14.21	14.211
P/OCF	11.54	13.72	17.61	18.50	21.44	31.22	—	—	21.85	10.46	7.71	8.16	10.12	16.78	17.81	19.83	17.03	14.22	16.51	11.09	11.090
EV/EBITDA	11.05	10.97	12.28	12.57	12.49	12.83	22.91	22.63	21.01	18.93	15.89	16.90	16.31	17.35	17.77	17.08	15.69	14.59	16.48	15.58	15.576
EV/Revenue	7.09	7.28	7.61	7.07	5.66	5.28	8.22	7.82	8.08	7.70	6.91	7.21	7.20	8.53	8.05	8.10	7.45	6.75	7.71	7.12	7.123
EV/EBIT	17.83	17.28	20.17	22.12	27.40	31.99	74.96	81.06	60.11	50.39	37.84	41.43	38.10	35.31	39.74	36.87	33.29	32.21	36.07	35.18	35.176
EV/FCF	17.71	20.49	21.74	23.18	28.65	42.45	-45.44	-28.87	-112.78	70.37	16.32	12.90	15.80	23.89	23.73	26.25	22.98	19.72	24.63	21.89	21.886
Earnings Yield	6.2%	6.4%	4.5%	3.8%	2.2%	1.1%	-0.6%	-1.3%	-0.4%	0.1%	0.9%	0.8%	1.3%	2.0%	1.5%	1.9%	2.2%	2.1%	2.0%	2.4%	2.39%
FCF Yield	8.7%	7.3%	5.7%	5.4%	4.7%	3.2%	-4.5%	-7.3%	-1.7%	2.9%	10.1%	12.3%	9.9%	6.0%	5.6%	5.0%	5.9%	7.0%	6.1%	7.0%	7.04%
Price/Tangible Book	snapshot only																				1.360
EV/OCF	snapshot only																				17.080
EV/Gross Profit	snapshot only																				17.075
Acquirers Multiple	snapshot only																				39.813
Shareholder Yield	snapshot only																				7.55%
Graham Number	snapshot only																				$9.06

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	8.78	8.78	14.41	14.41	14.41	14.41	9.80	9.80	9.80	9.80	9.70	9.70	9.70	9.70	11.19	11.19	11.19	11.19	12.28	12.28	12.277
Quick Ratio	7.60	7.60	13.31	13.31	13.31	13.31	5.99	5.99	5.99	5.99	8.15	8.15	8.15	8.15	9.68	9.68	9.68	9.68	10.13	10.13	10.135
Debt/Equity	1.11	1.11	0.67	0.67	0.67	0.67	1.64	1.64	1.64	1.64	0.98	0.98	0.98	0.98	0.67	0.67	0.67	0.67	0.84	0.84	0.841
Net Debt/Equity	0.88	0.88	0.36	0.36	0.36	0.36	1.51	1.51	1.51	1.51	0.85	0.85	0.85	0.85	0.53	0.53	0.53	0.53	0.73	0.73	0.735
Debt/Assets	0.51	0.51	0.39	0.39	0.39	0.39	0.67	0.67	0.67	0.67	0.48	0.48	0.48	0.48	0.39	0.39	0.39	0.39	0.45	0.45	0.448
Debt/EBITDA	4.89	4.60	4.33	4.70	5.83	6.29	12.81	12.86	11.21	10.40	7.18	7.16	6.76	5.96	5.64	5.31	5.17	5.17	6.21	6.25	6.250
Net Debt/EBITDA	3.85	3.63	2.34	2.54	3.14	3.39	11.79	11.83	10.32	9.56	6.23	6.20	5.86	5.17	4.43	4.17	4.06	4.07	5.43	5.46	5.463
Interest Coverage	3.64	3.91	3.67	3.04	1.84	1.36	0.81	0.67	0.89	1.01	1.24	1.24	1.44	1.95	1.79	2.08	2.18	1.98	1.89	1.64	1.642
Equity Multiplier	2.17	2.17	1.71	1.71	1.71	1.71	2.45	2.45	2.45	2.45	2.03	2.03	2.03	2.03	1.71	1.71	1.71	1.71	1.88	1.88	1.876
Cash Ratio	snapshot only																				4.847
Debt Service Coverage	snapshot only																				3.709
Cash to Debt	snapshot only																				0.126
FCF to Debt	snapshot only																				0.114
Defensive Interval	snapshot only																				1152.9 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.17	0.17	0.16	0.16	0.16	0.16	0.15	0.15	0.16	0.16	0.16	0.16	0.17	0.17	0.16	0.16	0.17	0.17	0.16	0.16	0.163
Inventory Turnover	2.97	3.03	3.59	3.61	3.60	3.71	1.66	1.73	1.77	1.78	1.69	1.71	1.73	1.77	3.22	3.24	3.33	3.41	3.96	4.01	4.014
Receivables Turnover	4.22	4.33	3.66	3.71	3.72	3.79	3.19	3.30	3.40	3.47	2.98	3.05	3.11	3.18	2.79	2.83	2.90	2.97	2.67	2.71	2.714
Payables Turnover	19.04	19.42	20.35	20.45	20.38	21.04	17.49	18.24	18.62	18.71	16.40	16.65	16.86	17.17	15.51	15.62	16.06	16.46	22.47	22.76	22.761
DSO	87	84	100	98	98	96	114	111	107	105	123	120	117	115	131	129	126	123	137	134	134.5 days
DIO	123	120	102	101	102	98	220	210	206	205	216	213	210	207	113	113	110	107	92	91	90.9 days
DPO	19	19	18	18	18	17	21	20	20	20	22	22	22	21	24	23	23	22	16	16	16.0 days
Cash Conversion Cycle	190	186	184	182	182	177	313	301	294	291	317	311	306	300	221	218	213	208	213	209	209.4 days
Fixed Asset Turnover	snapshot only																				31.096
Operating Cycle	snapshot only																				225.4 days
Cash Velocity	snapshot only																				2.779
Capital Intensity	snapshot only																				6.379

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	16.6%	15.4%	13.7%	11.6%	6.2%	5.5%	5.2%	7.2%	10.3%	10.2%	12.8%	11.6%	10.8%	10.8%	8.9%	8.0%	8.4%	8.9%	8.8%	9.1%	9.12%
Net Income	112.9%	4.9%	9.1%	-24.6%	-65.4%	-85.3%	-1.1%	-1.2%	-1.2%	-95.0%	2.6%	1.8%	5.1%	65.3%	1.7%	2.6%	1.3%	-3.7%	22.5%	4.7%	4.66%
EPS	100.6%	4.4%	7.4%	-37.6%	-70.2%	-87.2%	-1.1%	-1.2%	-1.2%	-95.8%	2.4%	1.7%	4.5%	55.4%	1.2%	2.0%	91.8%	-13.7%	17.0%	2.2%	2.17%
FCF	23.1%	3.1%	-5.6%	-11.4%	-47.5%	-63.1%	-1.5%	-2.0%	-1.4%	-3.0%	3.6%	3.3%	8.0%	2.6%	-12.8%	-40.4%	-22.9%	4.5%	0.5%	15.1%	15.07%
EBITDA	1.5%	1.8%	77.4%	-7.5%	-24.9%	-34.5%	-39.1%	-34.1%	-6.4%	9.0%	36.7%	37.8%	27.1%	33.8%	13.5%	20.1%	16.6%	2.6%	12.4%	5.2%	5.20%
Op. Income	-9.7%	31.6%	19.9%	18.8%	7.0%	-6.1%	-13.0%	-17.7%	-12.3%	0.7%	22.3%	31.8%	34.7%	31.9%	17.5%	12.5%	10.6%	7.4%	7.7%	11.4%	11.44%
OCF Growth	snapshot only																				47.46%
Asset Growth	snapshot only																				8.65%
Equity Growth	snapshot only																				-0.93%
Debt Growth	snapshot only																				23.83%
Shares Change	snapshot only																				2.44%
Dividend Growth	snapshot only																				13.28%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	14.3%	13.8%	12.8%	12.1%	10.7%	10.5%	10.1%	10.6%	10.9%	10.3%	10.5%	10.1%	9.1%	8.8%	8.9%	8.9%	9.8%	10.0%	10.2%	9.6%	9.57%
Revenue 5Y	14.0%	13.8%	13.4%	13.1%	12.3%	12.1%	11.7%	11.8%	11.8%	11.4%	11.3%	11.0%	10.7%	10.5%	10.4%	10.2%	10.4%	10.1%	9.9%	9.5%	9.50%
EPS 3Y	1.1%	—	—	—	—	—	—	—	—	—	-0.0%	-55.0%	-44.6%	-32.8%	-35.6%	-24.2%	3.1%	26.9%	—	—	—
EPS 5Y	37.2%	32.1%	20.1%	14.2%	-3.5%	-16.0%	—	—	—	—	—	—	—	—	-16.9%	—	—	—	21.2%	-22.6%	-22.61%
Net Income 3Y	1.2%	—	—	—	—	—	—	—	—	—	16.6%	-47.3%	-36.0%	-21.3%	-24.9%	-11.5%	19.7%	47.1%	—	—	—
Net Income 5Y	52.7%	47.1%	34.7%	27.7%	7.4%	-7.6%	—	—	—	—	—	—	—	—	-4.9%	—	—	—	39.3%	-11.3%	-11.35%
EBITDA 3Y	20.0%	25.7%	22.4%	18.0%	22.8%	13.2%	5.8%	39.8%	21.4%	25.5%	13.9%	-5.7%	-3.7%	-1.5%	-1.9%	2.9%	11.5%	14.4%	20.4%	20.3%	20.30%
EBITDA 5Y	26.6%	26.7%	24.0%	21.1%	15.5%	13.1%	10.0%	9.2%	4.0%	7.2%	8.8%	8.3%	17.1%	16.2%	12.9%	35.2%	21.5%	22.1%	13.5%	1.2%	1.19%
Gross Profit 3Y	15.5%	15.2%	14.7%	14.7%	14.1%	13.5%	12.5%	11.9%	11.9%	11.3%	11.3%	11.1%	10.7%	10.2%	10.3%	10.2%	10.9%	11.4%	1.9%	1.8%	1.82%
Gross Profit 5Y	15.3%	14.8%	14.3%	14.1%	13.4%	13.1%	12.7%	12.7%	12.7%	12.5%	12.8%	12.9%	13.1%	13.0%	12.8%	12.3%	12.0%	11.4%	4.8%	4.6%	4.57%
Op. Income 3Y	33.0%	65.8%	—	35.3%	—	31.4%	-12.0%	-4.8%	-5.4%	7.6%	8.5%	8.8%	8.1%	7.6%	7.8%	6.9%	9.3%	12.6%	15.7%	18.2%	18.21%
Op. Income 5Y	19.5%	19.2%	16.3%	16.5%	15.9%	14.2%	13.0%	—	17.1%	33.9%	—	21.9%	—	24.7%	-0.4%	5.0%	4.7%	12.0%	10.1%	10.1%	10.06%
FCF 3Y	—	—	57.7%	30.1%	2.6%	-14.6%	—	—	—	-28.2%	10.7%	24.9%	13.9%	9.0%	7.8%	9.4%	29.5%	54.2%	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	41.3%	37.0%	24.9%	16.9%	18.0%	11.5%	7.0%	6.9%	3.5%	5.9%	5.94%
OCF 3Y	22.1%	20.7%	17.5%	11.0%	-0.0%	-16.6%	—	—	-12.1%	7.1%	20.3%	24.9%	13.9%	9.0%	7.8%	9.4%	29.5%	54.2%	—	—	—
OCF 5Y	21.3%	14.4%	17.3%	12.4%	1.7%	-8.3%	—	—	0.1%	15.9%	24.5%	24.6%	23.0%	15.3%	16.2%	11.5%	7.0%	6.9%	3.5%	11.3%	11.33%
Assets 3Y	9.8%	9.8%	13.1%	13.1%	13.1%	13.1%	9.5%	9.5%	9.5%	9.5%	9.4%	9.4%	9.4%	9.4%	7.2%	7.2%	7.2%	7.2%	8.1%	8.1%	8.11%
Assets 5Y	12.5%	12.5%	13.3%	13.3%	13.3%	13.3%	10.3%	10.3%	10.3%	10.3%	10.2%	10.2%	10.2%	10.2%	8.8%	8.8%	8.8%	8.8%	9.3%	9.3%	9.30%
Equity 3Y	6.0%	6.0%	20.4%	20.4%	20.4%	20.4%	0.2%	0.2%	0.2%	0.2%	12.0%	12.0%	12.0%	12.0%	7.2%	7.2%	7.2%	7.2%	18.2%	18.2%	18.16%
Book Value 3Y	-1.9%	-2.5%	9.0%	9.1%	8.5%	9.1%	-9.8%	-11.2%	-12.0%	-13.8%	-4.0%	-4.4%	-3.1%	-4.3%	-8.1%	-8.2%	-7.7%	-7.5%	3.2%	4.5%	4.51%
Dividend 3Y	-4.7%	-6.4%	-8.1%	-6.3%	-6.0%	-5.7%	-8.1%	-11.7%	-14.5%	-16.2%	-14.0%	-12.4%	-8.8%	-9.3%	-9.2%	-9.1%	-8.4%	-8.2%	-7.8%	-7.8%	-7.79%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.99	0.99	0.99	1.00	0.99	0.99	0.99	1.00	0.99	0.99	0.99	1.00	0.99	0.99	0.99	1.00	1.00	1.00	0.99	1.00	0.996
Earnings Stability	0.13	0.12	0.20	0.35	0.17	0.11	0.07	0.14	0.08	0.08	0.09	0.02	0.09	0.10	0.04	0.01	0.00	0.06	0.01	0.11	0.110
Margin Stability	0.97	0.97	0.97	0.97	0.97	0.97	0.97	0.97	0.98	0.98	0.98	0.97	0.96	0.96	0.96	0.96	0.97	0.98	0.89	0.90	0.895
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	0.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	0	0	0	1	0	0	0	1	1	1	1	1	1	1	1
Earnings Persistence	0.20	0.20	0.50	0.50	0.50	0.50	0.20	0.20	0.20	0.50	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.99	0.91	0.98	0.981
Earnings Smoothness	—	—	0.00	0.72	0.03	0.00	—	—	—	0.00	—	—	—	0.00	0.08	0.00	0.23	0.96	0.80	0.95	0.954
ROE Trend	0.13	0.13	0.04	0.02	-0.03	-0.03	-0.05	-0.10	-0.07	-0.06	-0.02	-0.01	0.01	0.03	0.02	0.03	0.03	0.01	0.01	0.01	0.012
Gross Margin Trend	0.02	0.02	0.02	0.02	0.02	0.01	-0.00	-0.01	-0.00	0.00	0.01	0.01	0.02	0.02	0.02	0.02	0.01	0.01	-0.13	-0.13	-0.127
FCF Margin Trend	0.09	0.02	0.02	-0.03	-0.19	-0.25	-0.57	-0.62	-0.37	-0.13	0.34	0.54	0.39	0.24	0.22	0.16	0.13	0.11	-0.07	-0.11	-0.109
Sustainable Growth Rate	-1.4%	-0.4%	-1.7%	-3.8%	-7.9%	-9.5%	—	—	—	-9.6%	-9.2%	-9.7%	-9.3%	-7.4%	-7.0%	-6.7%	-6.9%	-7.8%	-7.2%	-7.0%	-6.99%
Internal Growth Rate	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.39	1.13	1.28	1.42	2.10	2.84	1.64	0.07	-12.01	184.03	15.02	16.04	7.81	3.01	3.77	2.68	2.66	3.27	3.09	3.78	3.779
FCF/OCF	1.00	1.00	1.00	1.00	1.00	1.00	4.44	84.26	-0.38	0.30	0.78	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.78	0.780
FCF/Net Income	snapshot only																				2.949
OCF/EBITDA	snapshot only																				0.912
CapEx/Revenue	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	14.0%	26.8%	26.0%	25.5%	12.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	9.2%	9.16%
CapEx/Depreciation	snapshot only																				0.359
Accruals Ratio	-0.02	-0.01	-0.01	-0.01	-0.02	-0.01	0.00	-0.01	-0.03	-0.06	-0.08	-0.09	-0.07	-0.04	-0.04	-0.03	-0.03	-0.04	-0.03	-0.05	-0.050
Sloan Accruals	snapshot only																				-0.049
Cash Flow Adequacy	snapshot only																				0.946
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	7.2%	6.7%	5.3%	6.0%	8.3%	9.0%	8.3%	8.4%	7.2%	7.7%	7.1%	6.6%	6.7%	5.3%	5.4%	5.5%	6.2%	7.2%	6.8%	7.5%	5.88%
Dividend/Share	$1.26	$1.25	$1.20	$1.23	$1.23	$1.23	$1.15	$1.08	$1.00	$0.96	$0.98	$0.99	$1.00	$0.97	$0.96	$0.98	$1.02	$1.05	$1.08	$1.09	$0.90
Payout Ratio	1.1%	1.0%	1.2%	1.6%	3.8%	8.0%	—	—	—	148.0%	8.2%	8.7%	5.3%	2.7%	3.6%	2.9%	2.8%	3.3%	3.5%	3.2%	3.16%
FCF Payout Ratio	82.5%	91.8%	94.2%	1.1%	1.8%	2.8%	—	—	—	2.7%	70.3%	54.2%	68.2%	88.7%	95.9%	1.1%	1.1%	1.0%	1.1%	1.1%	1.07%
Total Payout Ratio	1.1%	1.0%	1.2%	1.6%	3.8%	8.0%	—	—	—	148.0%	8.2%	8.7%	5.3%	2.7%	3.6%	2.9%	2.8%	3.3%	3.5%	3.2%	3.16%
Div. Increase Streak	1	1	1	1	1	1	1	0	0	0	1	0	0	0	1	1	1	1	1	1	1
Chowder Number	0.16	0.12	0.10	0.17	0.22	0.22	0.15	0.07	-0.01	0.00	0.08	0.15	0.24	0.25	0.24	0.25	0.26	0.27	0.24	0.21	0.208
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-12.5%	-13.3%	-16.2%	-20.2%	-19.6%	-18.2%	-13.5%	-13.6%	-14.9%	-20.6%	-16.4%	-13.4%	-12.3%	-13.7%	-15.7%	-14.5%	-15.2%	-8.6%	-3.7%	-3.3%	-3.28%
Total Shareholder Return	-5.4%	-6.6%	-10.8%	-14.1%	-11.2%	-9.2%	-5.2%	-5.2%	-7.7%	-12.9%	-9.3%	-6.7%	-5.5%	-8.5%	-10.3%	-9.0%	-9.0%	-1.5%	3.1%	4.3%	4.27%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	1.00	1.00	1.00	1.00	1.00	1.01	0.98	0.98	0.94	1.64	1.02	1.02	1.01	1.01	1.01	1.01	1.01	1.01	1.01	1.01	1.008
Interest Burden (EBT/EBIT)	0.73	0.74	0.73	0.67	0.46	0.26	-0.23	-0.50	-0.12	0.01	0.19	0.20	0.30	0.49	0.44	0.52	0.54	0.50	0.47	0.54	0.541
EBIT Margin	0.40	0.42	0.38	0.32	0.21	0.17	0.11	0.10	0.13	0.15	0.18	0.17	0.19	0.24	0.20	0.22	0.22	0.21	0.21	0.20	0.202
Asset Turnover	0.17	0.17	0.16	0.16	0.16	0.16	0.15	0.15	0.16	0.16	0.16	0.16	0.17	0.17	0.16	0.16	0.17	0.17	0.16	0.16	0.163
Equity Multiplier	2.02	2.02	1.90	1.90	1.90	1.90	2.03	2.03	2.03	2.03	2.21	2.21	2.21	2.21	1.85	1.85	1.85	1.85	1.79	1.79	1.793

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.10	$1.20	$1.00	$0.77	$0.33	$0.15	$-0.09	$-0.16	$-0.05	$0.01	$0.12	$0.11	$0.19	$0.36	$0.27	$0.34	$0.36	$0.31	$0.31	$0.34	$0.34
Book Value/Share	$10.76	$10.50	$14.52	$14.19	$13.69	$13.52	$9.67	$9.29	$8.96	$8.44	$10.49	$10.13	$9.80	$9.20	$11.25	$10.97	$10.78	$10.69	$10.65	$10.61	$10.54
Tangible Book/Share	$10.76	$10.50	$14.52	$14.19	$13.69	$13.52	$9.67	$9.29	$8.96	$8.44	$10.49	$10.13	$9.80	$9.20	$11.25	$10.97	$10.78	$10.69	$10.65	$10.61	$10.61
Revenue/Share	$3.82	$3.83	$3.64	$3.61	$3.49	$3.52	$3.45	$3.43	$3.41	$3.27	$3.29	$3.25	$3.21	$3.08	$2.96	$2.93	$2.95	$3.00	$3.08	$3.12	$3.13
FCF/Share	$1.53	$1.36	$1.27	$1.10	$0.69	$0.44	$-0.62	$-0.93	$-0.24	$0.36	$1.39	$1.82	$1.46	$1.10	$1.00	$0.90	$0.96	$1.03	$0.96	$1.02	$1.02
OCF/Share	$1.53	$1.36	$1.27	$1.10	$0.69	$0.44	$-0.14	$-0.01	$0.64	$1.19	$1.79	$1.82	$1.46	$1.10	$1.00	$0.90	$0.96	$1.03	$0.96	$1.30	$1.31
Cash/Share	$2.54	$2.48	$4.50	$4.40	$4.24	$4.19	$1.27	$1.22	$1.18	$1.11	$1.37	$1.32	$1.28	$1.20	$1.62	$1.58	$1.55	$1.54	$1.13	$1.12	$0.75
EBITDA/Share	$2.45	$2.54	$2.26	$2.03	$1.58	$1.45	$1.24	$1.18	$1.31	$1.33	$1.43	$1.39	$1.42	$1.51	$1.34	$1.39	$1.40	$1.39	$1.44	$1.43	$1.43
Debt/Share	$11.98	$11.69	$9.77	$9.55	$9.21	$9.10	$15.85	$15.23	$14.69	$13.83	$10.27	$9.92	$9.60	$9.01	$7.57	$7.38	$7.25	$7.19	$8.95	$8.92	$8.92
Net Debt/Share	$9.44	$9.21	$5.27	$5.15	$4.97	$4.91	$14.58	$14.01	$13.52	$12.72	$8.90	$8.60	$8.32	$7.81	$5.95	$5.80	$5.70	$5.65	$7.82	$7.79	$7.79

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.332
Altman Z-Prime	snapshot only																				2.659
Piotroski F-Score	6	7	8	7	6	5	2	3	5	6	7	7	7	7	8	8	7	7	7	8	8
Beneish M-Score	-2.31	-2.30	-2.39	-2.39	-2.40	-2.40	-2.25	-2.28	-2.42	-2.51	-3.02	-3.06	-2.98	-2.84	4.25	4.30	4.31	4.28	6.54	-2.52	-2.520
Ohlson O-Score	snapshot only																				-7.651
ROIC (Greenblatt)	snapshot only																				23.29%
Net-Net WC	snapshot only																				$-6.43
EVA	snapshot only																				$-109435900.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BBB-
Credit Score	58.26	58.68	66.54	60.77	48.76	41.53	26.62	29.54	28.85	34.05	44.73	52.72	51.71	53.22	55.31	63.92	56.68	54.37	49.90	51.79	51.786
Credit Grade	snapshot only																				10
Credit Trend	snapshot only																				-12.133
Implied Spread (bps)	snapshot only																				350.000
Industry Credit Rank	snapshot only																				66
Sector Credit Rank	snapshot only																				63

UMH NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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