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UMH Properties Inc. (UMH) — RQD Stock Rating Cockpit

$15.21 +1.54% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.22

UMH Properties Inc. (UMH) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.30B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on UMH Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is UMH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, UMH Properties Inc. (NYSE: UMH) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $15.21 (+1.54% 1D, market cap $1.30B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, UMH ranks #430 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does UMH compare to ALX and UNIT in the Financials sector?

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Within the Financials sector (Real Estate Investment Trusts), UMH carries a Roarable C (62/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.7%. By comparison, ALX (Alexander's Inc.) holds a B grade (73/100 RQD, P/E 45.1x, ROIC 25.9%, cap $1.27B) and UNIT (Uniti Group Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC 2.1%, cap $1.25B). Among the 5-stock peer group, LADR leads on earnings multiple (18.5x) while ALX leads on capital efficiency (25.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for UMH?

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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: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $15.22 (+0.09%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 31.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UMH)Realized 20D OHLCV Swing Band: ±3.9%

Deterministic 5-Pillar Attribution (62/100 Composite)

🔍 WHY UMH SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (23% of score)

FRED Regime × Technicals: 45% of 52W Range • RSI-14 at 45.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (21% of score)

20D Institutional Volume Accumulation (±3.9% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$15.17+0.5% Next Q

Q2 (-2Q)

Grade C$15.24+1.5% Next Q

Q3 (-1Q)

Grade C$15.47-1.7% Next Q

Current

Grade C$15.21+0.7% Hist 90D α

Trajectory: C- (54) → C (62)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the UMH Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, UMH faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($15.61) or 200D SMA ($15.47) invalidates the momentum regime and cuts Target Base ($15.48) toward Bear Floor ($12.07).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UMH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UMH Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 62%NO 38%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

45.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE45% OF RANGE

L: $14$15.21H: $17

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on UMH

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

0.7% ROIC with 42.0% gross margin and 6.31% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

25/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like UMH

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (UMH Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UMH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -2.19%📐 HORIZONTAL RANGE

2026-10-30O $15.35H $15.41L $15.12C $15.21VOL 495.8K

RES: $17.56SUP: $14.85SMA50: $15.61SMA200: $15.47

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 UMH Butterfly Map → + Track UMH →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

No active Ellis Vennor swing setup published on UMH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UMH)

Financials Rank #430 of 1096 ⚔️ ALX vs UMH Full Matrix →

1. Head-to-Head Financials Peer Comparison (UMH vs. ALX, UNIT, AAT, LADR)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, UMH Properties Inc. (UMH) ranks #430 by composite RQD confidence (62/100, grade C) and #513 by equity capitalization ($1.30B). Within this direct 5-issuer industry benchmark cohort, LADR leads on earnings valuation at 18.5x trailing P/E, while ALX leads on capital efficiency and profitability with 25.9% ROIC and — gross margin. ALX currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with UMH at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UMH ACTIVE UMH Properties Inc.	C	62/100	—	—	0.7%	+1.54%	$1.30B	Benchmark Subject
ALX Alexander's Inc.	B	73/100	45.1x	—	25.9%	+0.46%	$1.27B	/alx-vs-umh →
UNIT Uniti Group Inc.	D	50/100	—	—	2.1%	+5.97%	$1.25B	/unit-vs-umh →
AAT American Assets Trust Inc.	C-	61/100	—	—	11.3%	+3.19%	$1.37B	/aat-vs-umh →
LADR Ladder Capital Corp (Class A)	C	64/100	18.5x	—	4.3%	0.00%	$1.18B	/ladr-vs-umh →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000752642

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	—
FY2024 (FY)	2024-12-31	$240.6M	$2.5M	$81.6M	$81.6M	$1.56B	—
FY2023 (FY)	2023-12-31	$220.9M	-$8.7M	$120.1M	$120.1M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

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

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

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

UMH last traded at $15.21 (+1.54% on volume of 617,144 shares), positioning the stock -2.56% below its 50-day simple moving average ($15.61) and -1.68% below its 200-day simple moving average ($15.47). Across its 52-week range of $13.93 to $16.77, UMH sits at the 45.1% percentile with a 14-day RSI of 45.6 (NEUTRAL RANGE) and an implied next-earnings move of ±3.9% ($14.62 to $15.80).

UMH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell UMH stock right now?

UMH Properties Inc. (UMH) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid steady margins (1% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

What is UMH's 12-month price target and RQD AI Jury consensus?

UMH's 12-month base price target is $15.48 (range $12.07 to $18.27), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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