WallStSmart

The Southern Company JR 2017B NT 77 (SOJC)vsUMH Properties Inc (UMH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UMH leads profitability with a 11.6% profit margin vs 0.0%. SOJC trades at a lower P/E of 23.2x. UMH earns a higher WallStSmart Score of 61/100 (C+).

SOJC

Avoid

21

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 5.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.65

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 SOJC.

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

SOJC0 strengths · Avg: 0/10

No standout strengths identified

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

SOJC4 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 : SOJC

SOJC has a balanced fundamental profile.

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 : SOJC

The primary concerns for SOJC are Revenue Growth, EPS Growth, Profit Margin. Debt-to-equity of 1.95 is elevated, increasing financial risk.

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.

UMH generates stronger free cash flow (-30M), providing more financial flexibility.

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

Bottom Line

UMH scores higher overall (61/100 vs 21/100). 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.

The Southern Company JR 2017B NT 77

REAL ESTATE · REIT - RESIDENTIAL · USA

The Southern Company is dedicated to the generation, transmission and distribution of electric power. The company is headquartered in Atlanta, Georgia.

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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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