WallStSmart

AT&T Inc. 5.35% GLB NTS 66 (TBB)vsUMH Properties Inc (UMH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UMH leads profitability with a 11.6% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. UMH earns a higher WallStSmart Score of 61/100 (C+).

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87

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

Intrinsic value data unavailable for TBB.

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

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

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

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

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 : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

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 : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

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

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

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

Bottom Line

UMH scores higher overall (61/100 vs 25/100). Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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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