ZYBERNO SCORE →
Is it a great business? Is it getting better?
33.0/100
WEAK BUSINESS
UMH PROPERTIES, INC. (UMH) scores 33/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.
📊 How is the Zyberno Score calculated?
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The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.
The 4 Core Categories (25 points each):
1. PROFITABILITY (25 pts)
Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent
2. FINANCIAL STRENGTH (25 pts)
Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe
3. CASH FLOW QUALITY (25 pts)
Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)
4. GROWTH & CONSISTENCY (25 pts)
Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good
Score Interpretation:
→ View full UMH quality analysis & detailed breakdown
Critical Financial Health Indicators
Return on Equity (Profitability):CRITICAL (3.4%)
Debt-to-Equity (Solvency Risk):EXCELLENT (0.02x)
Operating Margin (Operational Efficiency):CRITICAL (0.0%)
Return on Capital (Capital Efficiency):CRITICAL (0.0%)
Zyberno's Verdict
UMH PROPERTIES, INC. (UMH) stock report — Zyberno Score 33/100 (WEAK BUSINESS), Margin of Safety -100.0%, -53% expected annual return. Full financial analysis on Zyberno.
According to Zyberno's DCF model, UMH PROPERTIES, INC. (UMH) trades at $16.48 against an estimated intrinsic value per share of $1.16 — a -100.0% Margin of Safety based on Owner Earnings of $22.17M TTM, projected at -42.4% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of -52.9% annually.
Over the trailing twelve months, UMH generated $22.17M in Owner Earnings. Capital was deployed as follows: $72.40M paid as dividends, $118.11M invested in capital expenditures. Owner Earnings have declined at 42.4% annually over the trailing five years using log-linear regression.