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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 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.

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID 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 2026-11-02, 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 $15.21 (+1.54% 1D, market cap $1.30B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, UMH ranks #693 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 D (49/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.7%. By comparison, ALX (Alexander's Inc.) holds a C grade (63/100 RQD, P/E 45.1x, ROIC 25.9%, cap $1.27B) and UNIT (Uniti Group Inc.) posts a E grade (30/100 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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. 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 Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

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 D

Each axis scored 0–20

12M PRICE TARGET CONE-4.1% Base Target

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

Deterministic 5-Pillar Attribution (49/100 Composite)

🔍 WHY UMH SCORES 49/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (27% of score)

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

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

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

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

Macro rate sensitivity & RSI-14 (47.1) create a -14 pt regime headwind

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

Q1 (-3Q)

Grade C$15.32-1.4% Next Q

Q2 (-2Q)

Grade C-$15.10+2.4% Next Q

Q3 (-1Q)

Grade C-$15.46-1.6% Next Q

Current

Grade D$15.21-5.4% Hist 90D α

Trajectory: C (57) → D (49)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a UMH Turnaround Squeeze

Gideon Ashmere Forensic Desk →

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.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($15.58) and Max Pain ($15.97) forces dealer call-delta covering toward $17.61.

🚀 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 $UMH• $2.4M Crowd Pool • Kalshi / Polymarket Composite

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

YES 49%NO 51%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

47.130 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● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 20 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning 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

BEARISH (43)

20/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like UMH

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

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

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

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

✓Walkthrough of UMH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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: -2.87%📐 HORIZONTAL RANGE

2026-11-02O $14.98H $15.21L $14.98C $15.21VOL 617.1K

RES: $17.58SUP: $14.85SMA50: $15.58SMA200: $15.46

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 #693 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 #693 by composite RQD confidence (49/100, grade D) 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 63/100 (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	—	—	0.7%	+1.54%	$1.30B	Benchmark Subject
ALX Alexander's Inc.	C	63/100	45.1x	—	25.9%	+0.46%	$1.27B	/alx-vs-umh →
UNIT Uniti Group Inc.	E	30/100	—	—	2.1%	+5.97%	$1.25B	/unit-vs-umh →
AAT American Assets Trust Inc.	C-	59/100	—	—	11.3%	+3.19%	$1.37B	/aat-vs-umh →
LADR Ladder Capital Corp (Class A)	D+	55/100	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 -2.37% below its 50-day simple moving average ($15.58) and -1.62% below its 200-day simple moving average ($15.46). Across its 52-week range of $13.93 to $16.77, UMH sits at the 45.1% percentile with a 14-day RSI of 47.1 (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 D (Sell — SELL) with 49/100 RQD Confidence. Stretched risk/reward at current multiples (1% return on capital) under elevated 10-year interest-rate pressure.

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

UMH's 12-month base price target is $14.59 (range $11.38 to $17.61), 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