Bluerock Homes Trust Inc. (BHM) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bluerock Homes Trust Inc. stock $1.72, price $7.26, that is 76.3% below the price, quality 33 out of 100. Rating: strongly overvalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
49‑month range $7.01 – $22.35 · fair‑value band $0.5600 – $3.73 · the $7.26 price screens above the $1.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Bluerock Homes Trust, Inc. is an externally managed REIT that owns and operates a portfolio of institutional residential properties including single-family homes, build-to-rent communities, and other residential communities located in attractive markets with a focus on the knowledge-economy and high quality of life regions of the Sunbelt and high growth areas of the Western United States.
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BHM principal objective is to generate attractive risk-adjusted investment returns by acquiring residential units, developing residential communities, and through Value-Add renovations.
BHM properties are located across a diverse group of growth markets with healthy long-term demand fundamentals for residential rentals and will seek to target the high disposable income renter by choice. Bluerock Homes Trust, Inc. is headquartered in New York.
Bluerock Homes Trust was established on December 16, 2021 and incorporated in Maryland.
Stock analysis
Bluerock Homes Trust Inc. (BHM) currently trades at $7.26, while our model-based Fair Value estimate is $1.72, 76% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $13.43 per share, and 3 of the 13 models we run sit above the $7.26 price.
Bear case: the Dividend Discount group reads lowest at $0.7200, and 10 of the 13 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $0.5600 (bear) to $3.73 (bull), the price of $7.26 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 33/100 (below-average quality), in the Real Estate sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Bluerock Homes Trust Inc. reported revenue of $68.7M in FY2025 versus $17.8M in FY2021, a compound +40.1%/yr. Reported net income was $2.3M in FY2025, compounding −49.4%/yr from FY2021.
Key figures
Market cap $83.2M Micro · P/S ratio 1.00 · EPS (TTM) $−3.49 · Dividend yield 6.9% · Net margin 3.3% · Return on equity −5.9% · Return on assets (EBIT) −0.8% (5-year average) · Operating margin −14.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (medium confidence).
What moves the price
The share trades about 38% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −13% fair-value upside, at −76%, BHM screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($0.1100 to $45.91). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear$0.5600Fair Value $1.72Bull$3.73
Price $7.26 · Downside -76.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
BuyRamin KamfarChairman and CEO, Director3× since Dec 12, 2025: 57,205 shares, avg. $11.22$642,064Mar 20, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+36.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+56.3%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−35.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−42.2%
Dividend (yield on the price)6.9%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−7% → −34%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+26.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
Calculated on free cash flow for fiscal year 2025. Over the last twelve months it was negative, so the figure above is uncertain.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +23.5% a year for the price.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Residential · 41 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside−76.3% · Bottom 25%
Profitability
Return on assets3.1% · Above median
Net margin (12 months)43.2% · Top 25%
Operating margin (12 months)−14.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)13.4% · Top 25%
Dividend yield (12 months)6.9% · Top 25%
Balance sheet
Debt / equity1.58× · Highest 25%
Valuation Multiplesvs REIT - Residential median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Bluerock Homes Trust Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BHM
Frequently asked questions
Is Bluerock Homes Trust Inc. (BHM) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $1.72 versus a price of $7.26, about 76% lower (overvalued).
What is the fair value of BHM?
Our model-based fair value for Bluerock Homes Trust Inc. is $1.72 (as of Nov 8, 2026), built from audited fundamentals. The current price: $7.26.
What is the quality score of BHM?
Bluerock Homes Trust Inc. has a Quality Score of 33/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bluerock Homes Trust Inc. (BHM)?
Our model-based price target is the fair value of $1.72 (as of Nov 8, 2026) from 13 valuation models. Cautious scenario $0.5600, optimistic scenario $3.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Bluerock Homes Trust Inc. stock forecast for 2026?
Our models put fair value at $1.72, about 76% lower versus a price of $7.26 (overvalued). Cautious scenario $0.5600, optimistic scenario $3.73. The calculation is refreshed regularly with new filings.
What is the revenue of Bluerock Homes Trust Inc. (BHM)?
Bluerock Homes Trust Inc. reported trailing-twelve-month revenue of about $83.1M (latest available figure, as of Nov 8, 2026).
Does Bluerock Homes Trust Inc. pay a dividend?
Bluerock Homes Trust Inc. currently shows a dividend yield of 6.89% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Bluerock Homes Trust Inc. (BHM) and when is the ex-dividend date?
Bluerock Homes Trust Inc. pays a dividend of $0.5 per share a year, a dividend yield of 6.9%. The last ex-dividend date was Sep 25, 2026. The payout ratio is 91.1% of earnings. Free cash flow covers the dividend 5.08 times. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What growth is priced into Bluerock Homes Trust Inc. (BHM)?
For today's price to be fair in a discounted-cash-flow model, Bluerock Homes Trust Inc. would have to grow free cash flow by +26.5 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +56.3 % per year. Calculated on free cash flow for fiscal year 2025. Over the last twelve months it was negative, so the figure above is uncertain. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of BHM use?
Our models discount Bluerock Homes Trust Inc. at 11.2 %: a base by market capitalisation (micro), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bluerock Homes Trust Inc. that is +26.5 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Bluerock Homes Trust Inc. (BHM) delivered so far?
Over the past 5 years revenue at Bluerock Homes Trust Inc. grew +56.3 % a year. The price currently implies free-cash-flow growth of +26.5 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bluerock Homes Trust Inc. (BHM) growing?
The median revenue growth in the sector is +2.7 % a year. That is the yardstick for the growth priced into Bluerock Homes Trust Inc. (+26.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bluerock Homes Trust Inc. (BHM)?
The free-cash-flow yield on the price is 36.38 % in the last fiscal year (free cash flow was negative over the last twelve months): that much free cash flow Bluerock Homes Trust Inc. produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bluerock Homes Trust Inc. (BHM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bluerock Homes Trust Inc. it is $1.72 per share (as of Nov 8, 2026), against a price of $7.26. It is the blended result of 13 valuation models in 6 families (DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Bluerock Homes Trust Inc. stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BHM trades above its calculated fair value: price $7.26, fair value $1.72, a gap of about −76% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BHM?
No. The price is what the market pays today ($7.26); the fair value is what the company's own numbers justify ($1.72). For Bluerock Homes Trust Inc. the two are $5.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bluerock Homes Trust Inc. worth?
The market values Bluerock Homes Trust Inc. at about $83.2M (market capitalisation, as of Nov 8, 2026). Per share that is $7.26; our models calculate a fair value of $1.72 per share.
What do the bullish and bearish scenarios say about BHM?
Our models span a range for Bluerock Homes Trust Inc.: cautious scenario $0.5600, base $1.72, optimistic $3.73 per share (as of Nov 8, 2026, price $7.26). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Bluerock Homes Trust Inc. (BHM)?
Balance-sheet figures for Bluerock Homes Trust Inc. (as of Nov 8, 2026): return on equity −5.9%, debt of 1.58 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is BHM from its 52-week high?
Bluerock Homes Trust Inc. trades at $7.26, about 38% below its 52-week high of $11.74 and 4% above the low of $7.01 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $1.72 is for.
Which stocks are comparable to Bluerock Homes Trust Inc.?
From the same area (Real Estate) we also value Essex Property Trust, Inc, Invitation Homes, Sun Communities, Inc, Mid-America Apartment Communities, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bluerock Homes Trust Inc. stock attractive at the current price?
The data as of Nov 8, 2026: price $7.26, calculated fair value $1.72 (−76%), Quality Score 33/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BHM calculated?
We run Bluerock Homes Trust Inc. through 13 models from 6 families: DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $1.72 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bluerock Homes Trust Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bluerock Homes Trust Inc. (BHM)?
The closing price on Nov 6, 2026 was $7.26. Our model-based fair value is $1.72, about 76% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bluerock Homes Trust Inc. right now?
The price sits above even our optimistic bull case ($3.73). The favourable scenario is already priced in. Weak quality (33/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide ($0.5600 to $3.73). The outcome hinges heavily on assumptions, so read the point estimate with caution. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Bluerock Homes Trust Inc.
How large is the market capitalisation of Bluerock Homes Trust Inc. (BHM)?
The market capitalisation of Bluerock Homes Trust Inc. is $83.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bluerock Homes Trust Inc. (BHM)?
The price-to-sales ratio of Bluerock Homes Trust Inc. is 1.00 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bluerock Homes Trust Inc. (BHM)?
Earnings per share at Bluerock Homes Trust Inc. are $−3.49. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bluerock Homes Trust Inc. (BHM)?
The dividend yield of Bluerock Homes Trust Inc. is 6.9%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bluerock Homes Trust Inc. (BHM)?
The net margin of Bluerock Homes Trust Inc. is 3.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bluerock Homes Trust Inc. (BHM)?
The return on equity (ROE) of Bluerock Homes Trust Inc. is −5.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bluerock Homes Trust Inc. (BHM)?
On an EBIT basis the return on assets of Bluerock Homes Trust Inc. is −0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bluerock Homes Trust Inc. (BHM)?
The operating margin of Bluerock Homes Trust Inc. is −14.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bluerock Homes Trust Inc. (BHM)?
Revenue at Bluerock Homes Trust Inc. is growing +13.4% versus a year earlier (3y avg +17.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Bluerock Homes Trust Inc. (BHM) carry?
The net debt of Bluerock Homes Trust Inc. is $264M (fiscal year 2025, ≈ 25.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 8, 2026