WallStSmart

CubeSmart (CUBE)vsUMH Properties Inc (UMH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CubeSmart generates 327% more annual revenue ($1.13B vs $265.94M). CUBE leads profitability with a 28.9% profit margin vs 11.0%. UMH appears more attractively valued with a PEG of 0.72. UMH earns a higher WallStSmart Score of 51/100 (C-).

CUBE

Hold

49

out of 100

Grade: D+

Growth: 3.3Profit: 8.0Value: 5.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.43

UMH

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: 1.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CUBEUndervalued (+27.0%)

Margin of Safety

+27.0%

Fair Value

$52.92

Current Price

$40.31

$12.61 discount

UndervaluedFair: $52.92Overvalued
UMHUndervalued (+62.8%)

Margin of Safety

+62.8%

Fair Value

$43.40

Current Price

$15.26

$28.14 discount

UndervaluedFair: $43.40Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CUBE2 strengths · Avg: 9.5/10
Operating MarginProfitability
40.3%10/10

Strong operational efficiency at 40.3%

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

UMH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.728/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Areas to Watch

CUBE4 concerns · Avg: 3.5/10
P/E RatioValuation
29.3x4/10

Moderate valuation

Revenue GrowthGrowth
3.3%4/10

3.3% revenue growth

Debt/EquityHealth
1.323/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

UMH4 concerns · Avg: 2.5/10
Market CapQuality
$1.28B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.3%3/10

ROE of 3.3% — below average capital efficiency

P/E RatioValuation
150.2x2/10

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 28.9% and operating margin at 40.3%.

Bull Case : UMH

The strongest argument for UMH centers on PEG Ratio, Price/Book. 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, Revenue Growth, Debt/Equity.

Bear Case : UMH

The primary concerns for UMH are Market Cap, Return on Equity, P/E Ratio. A P/E of 150.2x leaves little room for execution misses.

Key Dynamics to Monitor

CUBE carries more volatility with a beta of 1.08 — expect wider price swings.

UMH is growing revenue faster at 7.6% — sustainability is the question.

CUBE generates stronger free cash flow (149M), providing more financial flexibility.

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

Bottom Line

UMH scores higher overall (51/100 vs 49/100). CUBE offers better value entry with a 27.0% margin of safety. Both earn "Buy" and "Hold" 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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