WallStSmart

CubeSmart (CUBE)vsUMH Properties Inc (UMH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CubeSmart generates 331% more annual revenue ($1.13B vs $261.31M). CUBE leads profitability with a 29.6% profit margin vs 10.1%. UMH appears more attractively valued with a PEG of 0.72. UMH earns a higher WallStSmart Score of 53/100 (C-).

CUBE

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 8.0Value: 6.0Quality: 3.0
Piotroski: 3/9Altman Z: 0.57

UMH

Buy

53

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CUBEUndervalued (+33.0%)

Margin of Safety

+33.0%

Fair Value

$57.58

Current Price

$40.48

$17.10 discount

UndervaluedFair: $57.58Overvalued
UMHUndervalued (+65.4%)

Margin of Safety

+65.4%

Fair Value

$46.65

Current Price

$15.55

$31.10 discount

UndervaluedFair: $46.65Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CUBE2 strengths · Avg: 9.5/10
Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

UMH3 strengths · Avg: 8.0/10
PEG RatioValuation
0.728/10

Growing faster than its price suggests

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.6%8/10

Strong operational efficiency at 20.6%

Areas to Watch

CUBE4 concerns · Avg: 3.0/10
P/E RatioValuation
27.1x4/10

Moderate valuation

Debt/EquityHealth
1.263/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
5.332/10

Expensive relative to growth rate

UMH4 concerns · Avg: 2.5/10
Market CapQuality
$1.31B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

P/E RatioValuation
220.3x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-54.2%2/10

Earnings declined 54.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : CUBE

The strongest argument for CUBE centers on Operating Margin, Profit Margin. Profitability is solid with margins at 29.6% and operating margin at 39.5%.

Bull Case : UMH

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

Bear Case : CUBE

The primary concerns for CUBE are P/E Ratio, Debt/Equity, Piotroski F-Score.

Bear Case : UMH

The primary concerns for UMH are Market Cap, Return on Equity, P/E Ratio. A P/E of 220.3x leaves little room for execution misses.

Key Dynamics to Monitor

CUBE profiles as a mature stock while UMH is a value play — different risk/reward profiles.

CUBE carries more volatility with a beta of 1.13 — expect wider price swings.

UMH is growing revenue faster at 8.2% — sustainability is the question.

CUBE generates stronger free cash flow (122M), providing more financial flexibility.

Bottom Line

UMH scores higher overall (53/100 vs 51/100). CUBE offers better value entry with a 33.0% margin of safety. 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.

CubeSmart

REAL ESTATE · REIT - INDUSTRIAL · USA

CubeSmart is a self-managed and self-managed real estate investment trust.

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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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