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Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. UMH Properties's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was $38.7 Mil. UMH Properties's average total debt for the quarter that ended in Jun. 2026 was $774.7 Mil. Therefore, UMH Properties's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 4.99%.
UMH Properties (NYSE:UMH) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
UMH Properties Effective Interest Rate on Debt % Related Terms
UMH Properties Effective Interest Rate on Debt % Historical Data
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The historical data trend for UMH Properties's Effective Interest Rate on Debt % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UMH Properties Effective Interest Rate on Debt % Chart
UMH vs CSR, NXRT, AIV: Effective Interest Rate on Debt % Comparison
For the REIT - Residential subindustry, UMH Properties's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UMH Properties Effective Interest Rate on Debt % vs REITs Industry
For the REITs industry and Real Estate sector, UMH Properties's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where UMH Properties's Effective Interest Rate on Debt % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Jun. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 4.99% mean?
UMH Properties (UMH) has a Effective Interest Rate on Debt % of 4.99% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UMH Properties and its competitors.
Is UMH Properties' Effective Interest Rate on Debt % too high?
UMH Properties' current Effective Interest Rate on Debt % is 4.99%. Overall, UMH Properties has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does UMH Properties' Effective Interest Rate on Debt % compare to CSR and NXRT?
UMH Properties' Effective Interest Rate on Debt % of 4.99% can be compared against companies in the REITs industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a REITs company?
A good Effective Interest Rate on Debt % depends on the REITs industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UMH Properties and its competitors. UMH Properties's current Effective Interest Rate on Debt % is 4.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UMH Properties stock overvalued right now?
Based on GuruFocus' analysis, UMH Properties (UMH) is currently considered Fairly Valued. The stock's GF Value™ is $15.75, compared to a current price of $15.90 — trading 1% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.99%. UMH Properties' overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For UMH Properties (UMH), the current Effective Interest Rate on Debt % is 4.99% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UMH Properties (UMH) Overvalued in 2026?
Based on GuruFocus' analysis, UMH Properties stock appears to be overvalued.
The current stock price of $15.90 is trading 1% above its estimated GF Value™ of $15.75.
GuruFocus considers UMH Properties to be Fairly Valued.
Key valuation signals for UMH:
Effective Interest Rate on Debt %: 4.99%
GF Value™: $15.75 vs. price of $15.90 (1% above fair value)
No single metric tells the full story. See the UMH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UMH Properties Inc together with its subsidiaries, is a real estate investment trust. It is engaged in the business of ownership and operation of manufactured home communities - leasing manufactured homesites to residents. The Company also leases manufactured homes to residents and, through its wholly-owned taxable REIT subsidiary, it sells and finances the sale of manufactured homes to residents and prospective residents of its communities and for placement on customers' privately-owned land. The company also owns the land, utility connections, streets, lighting, driveways, common area amenities, and other capital improvements. It earns income from lease agreements for its sites and homes, where the company is the lessor.
66GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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