Bluerock Homes Trust, Inc. (BHM)

NYSE: BHM · Real Estate Investment Trusts · New York, NY · filing with the SEC since 2022

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Grade4.9

◀ Past 6.4● Present 4.6▶ Future 4.1

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Bluerock Homes Trust, Inc.

Nine metrics read from its own filings, by tense

Headline grade

4.9/10

◀ Past6.425% of the headline

● Present4.645% of the headline

▶ Future4.130% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.4/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.0/10

Has it survived what it has been through?

No warning events in its filings since 2022.

weight 45% of this tense · 70th percentile among 174 sector filers · read for itself

From the record

Bluerock Homes Trust, Inc.'s filings since 2022 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

7.1/10

What has it actually done, year after year?

+47.2% a year over 5 filed years; profitable in 1 of 5.

weight 33% of this tense · 71st percentile among 156 sector filers · read for its customers

From the record

Bluerock Homes Trust, Inc.'s 5 filed years say what it did: revenue went from $15 million in fiscal 2021 to $69 million in fiscal 2025, up 47.2% a year; it rose in 4 of 4 years; it never fell from a peak; net income was positive in 1 of 5 of those years (its annual reports).

What it rests on

revenue growth over the filed span47.2%top 1% of its family
the share of years revenue rosetop 10% of its family
the share of filed years with a profitbottom 7% of its family
the deepest fall from a revenue peak0.0%top 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

3.9/10

How has it treated the people who own it?

Share count grew 0.4% a year. 11% of cash flow returned. Insiders: 0 sales, 8 purchases.

weight 22% of this tense · 39th percentile among 156 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Bluerock Homes Trust, Inc.'s diluted share count grew about 0.4% a year, and dividends and buybacks returned about 11% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 8 purchases of their own stock on the open market in the year to 2026-11-12, buying about $696 thousand (their Form 4 filings).

What it rests on

the share count over the yearstop 33% of its family
cash returned against operating cash flowbottom 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.6/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

4.3/10

Is it financially healthy right now?

ROE -6%: lost 6¢ per shareholder dollar. Leverage 52%: owes 52¢ per asset dollar.

weight 45% of this tense · 43rd percentile among 171 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Bluerock Homes Trust, Inc. lost about 6 cents for every dollar of shareholders' money. Leverage: it owed about 52 cents per dollar of assets, and net share issuance: its share count grew 0.9% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 36% of its family
return on equitybottom 17% of its family
the share count against the year beforebottom 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

3.8/10

How strong is its position in its industry?

bottom 37% of 157 in its family; net margin -47.4%.

weight 33% of this tense · 37th percentile among 157 sector filers · read for its customers

From the record

Bluerock Homes Trust, Inc.'s standing among 157 graded names in its industry family: revenue of $69 million in fiscal 2025 ranks in the bottom 12% by size; a net margin of -47.4% ranks in the bottom 5%; revenue growth of 26.3% a year over the last 3 filed years ranks in the top 5% (its annual reports).

What it rests on

revenue against the family$68.7Mbottom 12% of its family
net margin-47.4%bottom 5% of its family
three-year revenue growth26.3%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

6.6/10

What are the people in charge doing?

SI estimate 6.6/10, confidence 35 of 100 (one part).

weight 22% of this tense · 66th percentile among 169 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 34% of 169 in its family; the record of its people begins on 2022-09-26 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.1 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2022-09-26 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.1 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 169 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Bluerock Homes Trust, Inc.'s leadership is put at 6.6 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 34% of 169 in its family; the record of its people begins on 2022-09-26 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.1 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.1/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

4.1/10

How much room does it have to grow?

bottom 41% of 146 in its family for room to expand.

weight 22% of this tense · 41st percentile among 146 sector filers · read for itself

From the record

Bluerock Homes Trust, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $170 million against debt of $428 million leaves -22.4% of its assets as net cash, top 46% of its family; cash from operations less capital spending is 15.1% of revenue (bottom 29%) (its annual report).

What it rests on

cash less debt against assets-22.4%top 46% of its family
cash from operations less capital spending against revenue15.1%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.9/10

What could actually drive growth from here?

bottom 49% of 153 in its family for growth drivers.

weight 33% of this tense · 49th percentile among 153 sector filers · read for its customers

From the record

Bluerock Homes Trust, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 26.3% a year over the last three filed years against 47.2% over all 5, slowing (bottom 6% of its family); the newest year grew 36.9% (top 4%); capital spending grew -2.4% a year (bottom 45%) (its annual reports). Bluerock Homes Trust, Inc. reported 2 lines of business in fiscal 2025: Residential Communities at $38 million (55%), Scattered Single Family Homes at $31 million (45%); 1 of 2 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-21.0 points a yearbottom 6% of its family
the newest year's revenue growth36.9%top 4% of its family
three-year growth of capital spending-2.4%bottom 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

3.6/10

Did its newest year beat what its own record pointed to?

bottom 36% of 150 in its family for expectations against reality.

weight 45% of this tense · 36th percentile among 150 sector filers · read for its shareholders

From the record

Bluerock Homes Trust, Inc.'s newest year against its own record: revenue of $69 million in fiscal 2025 came in 12.9% above the $61 million its prior three years' pace pointed to (top 12% of its family); net income of $33 million against a prior three-year average of $11 million (bottom 8%); a net margin of -47.4% against -26.6% before (bottom 10%) (its annual reports).

What it rests on

revenue against the prior three years' pace12.9%top 12% of its family
net income against the prior three years' average-190%bottom 8% of its family
net margin against its prior average-20.8 pointsbottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BHM · research, not advice