WallStSmart

AvalonBay Communities Inc (AVB)vsUMH Properties Inc (UMH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AvalonBay Communities Inc generates 1038% more annual revenue ($3.08B vs $271.05M). AVB leads profitability with a 33.3% profit margin vs 11.6%. UMH appears more attractively valued with a PEG of 0.72. UMH earns a higher WallStSmart Score of 61/100 (C+).

AVB

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 7.5Value: 4.7Quality: 4.0
Piotroski: 3/9Altman Z: 1.01

UMH

Buy

61

out of 100

Grade: C+

Growth: 8.0Profit: 5.5Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: 1.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AVBUndervalued (+10.4%)

Margin of Safety

+10.4%

Fair Value

$200.74

Current Price

$184.06

$16.68 discount

UndervaluedFair: $200.74Overvalued
UMHUndervalued (+62.6%)

Margin of Safety

+62.6%

Fair Value

$43.18

Current Price

$15.51

$27.67 discount

UndervaluedFair: $43.18Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AVB3 strengths · Avg: 9.3/10
Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
30.6%10/10

Strong operational efficiency at 30.6%

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

UMH3 strengths · Avg: 8.7/10
EPS GrowthGrowth
66.7%10/10

Earnings expanding 66.7% YoY

PEG RatioValuation
0.728/10

Growing faster than its price suggests

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

AVB4 concerns · Avg: 3.3/10
P/E RatioValuation
25.3x4/10

Moderate valuation

Revenue GrowthGrowth
2.3%4/10

2.3% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
6.972/10

Expensive relative to growth rate

UMH4 concerns · Avg: 2.5/10
Market CapQuality
$1.33B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.3%3/10

ROE of 3.3% — below average capital efficiency

P/E RatioValuation
130.5x2/10

Premium valuation, high expectations priced in

Free Cash FlowQuality
$-29.77M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : AVB

The strongest argument for AVB centers on Profit Margin, Operating Margin, Price/Book. Profitability is solid with margins at 33.3% and operating margin at 30.6%.

Bull Case : UMH

The strongest argument for UMH centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.72 suggests the stock is reasonably priced for its growth.

Bear Case : AVB

The primary concerns for AVB are P/E Ratio, Revenue Growth, Piotroski F-Score.

Bear Case : UMH

The primary concerns for UMH are Market Cap, Return on Equity, P/E Ratio. A P/E of 130.5x leaves little room for execution misses.

Key Dynamics to Monitor

UMH carries more volatility with a beta of 0.95 — expect wider price swings.

UMH is growing revenue faster at 7.7% — sustainability is the question.

AVB generates stronger free cash flow (304M), providing more financial flexibility.

Monitor REIT - RESIDENTIAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UMH scores higher overall (61/100 vs 51/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AvalonBay Communities Inc

REAL ESTATE · REIT - RESIDENTIAL · USA

AvalonBay Communities, Inc. is a publicly traded real estate investment trust that invests in apartments.

UMH Properties Inc

REAL ESTATE · REIT - RESIDENTIAL · USA

UMH Properties, Inc., which was organized in 1968, is a publicly owned REIT that owns and operates 124 manufactured home communities containing approximately 23,400 developed lots.

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