UMHUMH Properties, Inc.
Is it safe?
No red flags in what's measurable: insiders buying and steady price behavior.
Multiple insiders bought with their own money (net +$34K, 90 days to Oct 8, 2026). SEC Form 4 filings: officers and directors must report their own trades within two business days.
Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.
Relatively steady, low volatility. Worst drawdown -47% · now 9% below its 52-week high.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can UMH take a bad year?
UMH Properties, Inc. carries $1.04B of net debt at 8.58× EBITDA: a heavy load to carry through a bad year.
Net debt · as at Q2 2026 · over four years of earnings before interest, tax and depreciation, heavy
- Net debt / EBITDA
- 8.58×
Net debt / EBITDA · 8.91× a year ago · the load is coming down
- Interest cover
- 1.44×
Interest cover · operating profit barely covers the interest bill
- Annualised volatility
- 21%
Annualised volatility · about as steady as the market itself
Details›
- Total debtQ2 2026
- $1.10B
- Cash and short-term investments
- $58M
- Net debt
- $1.04B
- EBITDA, trailing twelve months
- $121M
- Operating profit, trailing twelve months
- $51M
- Debt / equity
- 1.23×
- Total debt / EBITDA
- 9.06×
- Annualised volatilitytwo years of daily moves
- 21%
- Worst drawdown on file
- −47%
- Below its 52-week high
- 9.1%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
REIT, Residential
The closest names by size in the same industry