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YORK WATER CO (YORW) Stock Fundamental Analysis

NASDAQ:YORW - Nasdaq - US9871841089 - Common Stock - Currency: USD

33.42  +1.37 (+4.27%)

After market: 33.42 0 (0%)

Fundamental Rating

3

YORW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 14 industry peers in the Water Utilities industry. There are concerns on the financial health of YORW while its profitability can be described as average. YORW is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year YORW was profitable.
In the past year YORW had a positive cash flow from operations.
In the past 5 years YORW has always been profitable.
In the past 5 years YORW always reported a positive cash flow from operatings.
YORW Yearly Net Income VS EBIT VS OCF VS FCFYORW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M -20M

1.2 Ratios

YORW's Return On Assets of 3.41% is fine compared to the rest of the industry. YORW outperforms 64.29% of its industry peers.
With a Return On Equity value of 9.27%, YORW is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
YORW has a Return On Invested Capital of 3.74%. This is in the better half of the industry: YORW outperforms 64.29% of its industry peers.
The Average Return On Invested Capital over the past 3 years for YORW is in line with the industry average of 5.69%.
Industry RankSector Rank
ROA 3.41%
ROE 9.27%
ROIC 3.74%
ROA(3y)3.86%
ROA(5y)3.92%
ROE(3y)10.44%
ROE(5y)10.73%
ROIC(3y)4.07%
ROIC(5y)4.5%
YORW Yearly ROA, ROE, ROICYORW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 28.57%, YORW belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
YORW's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 38.41%, YORW belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
YORW's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 38.41%
PM (TTM) 28.57%
GM N/A
OM growth 3Y-2.87%
OM growth 5Y-2.21%
PM growth 3Y2.76%
PM growth 5Y3.9%
GM growth 3YN/A
GM growth 5YN/A
YORW Yearly Profit, Operating, Gross MarginsYORW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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1

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so YORW is destroying value.
Compared to 1 year ago, YORW has more shares outstanding
The number of shares outstanding for YORW has been increased compared to 5 years ago.
YORW has a worse debt/assets ratio than last year.
YORW Yearly Shares OutstandingYORW Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M
YORW Yearly Total Debt VS Total AssetsYORW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

2.2 Solvency

YORW has an Altman-Z score of 1.18. This is a bad value and indicates that YORW is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of YORW (1.18) is better than 71.43% of its industry peers.
A Debt/Equity ratio of 0.87 indicates that YORW is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.87, YORW is in line with its industry, outperforming 57.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Altman-Z 1.18
ROIC/WACC0.51
WACC7.39%
YORW Yearly LT Debt VS Equity VS FCFYORW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M

2.3 Liquidity

YORW has a Current Ratio of 0.88. This is a bad value and indicates that YORW is not financially healthy enough and could expect problems in meeting its short term obligations.
YORW has a Current ratio (0.88) which is in line with its industry peers.
YORW has a Quick Ratio of 0.88. This is a bad value and indicates that YORW is not financially healthy enough and could expect problems in meeting its short term obligations.
YORW has a worse Quick ratio (0.68) than 64.29% of its industry peers.
Industry RankSector Rank
Current Ratio 0.88
Quick Ratio 0.68
YORW Yearly Current Assets VS Current LiabilitesYORW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M

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3

3. Growth

3.1 Past

YORW shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.92%.
Measured over the past years, YORW shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.83% on average per year.
YORW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.02%.
Measured over the past years, YORW shows a small growth in Revenue. The Revenue has been growing by 7.96% on average per year.
EPS 1Y (TTM)-6.92%
EPS 3Y9.34%
EPS 5Y9.83%
EPS Q2Q%-22.64%
Revenue 1Y (TTM)9.02%
Revenue growth 3Y9.67%
Revenue growth 5Y7.96%
Sales Q2Q%5.05%

3.2 Future

The Earnings Per Share is expected to decrease by -0.57% on average over the next years.
YORW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.84% yearly.
EPS Next Y-12.13%
EPS Next 2Y-3.04%
EPS Next 3Y-0.57%
EPS Next 5YN/A
Revenue Next Year7.14%
Revenue Next 2Y6.23%
Revenue Next 3Y5.84%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
YORW Yearly Revenue VS EstimatesYORW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
YORW Yearly EPS VS EstimatesYORW Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 22.58, the valuation of YORW can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as YORW.
When comparing the Price/Earnings ratio of YORW to the average of the S&P500 Index (29.75), we can say YORW is valued slightly cheaper.
A Price/Forward Earnings ratio of 21.41 indicates a rather expensive valuation of YORW.
YORW's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of YORW to the average of the S&P500 Index (22.44), we can say YORW is valued inline with the index average.
Industry RankSector Rank
PE 22.58
Fwd PE 21.41
YORW Price Earnings VS Forward Price EarningsYORW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as YORW.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 16.03
YORW Per share dataYORW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

YORW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.3
EPS Next 2Y-3.04%
EPS Next 3Y-0.57%

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4

5. Dividend

5.1 Amount

YORW has a Yearly Dividend Yield of 2.61%.
YORW's Dividend Yield is comparable with the industry average which is at 3.42.
YORW's Dividend Yield is comparable with the S&P500 average which is at 2.30.
Industry RankSector Rank
Dividend Yield 2.61%

5.2 History

The dividend of YORW has a limited annual growth rate of 4.01%.
YORW has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.01%
Div Incr Years0
Div Non Decr Years0
YORW Yearly Dividends per shareYORW Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

YORW pays out 56.38% of its income as dividend. This is a bit on the high side, but may be sustainable.
YORW's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP56.38%
EPS Next 2Y-3.04%
EPS Next 3Y-0.57%
YORW Yearly Income VS Free CF VS DividendYORW Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M -20M -30M
YORW Dividend Payout.YORW Dividend Payout, showing the Payout Ratio.YORW Dividend Payout.PayoutRetained Earnings

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YORK WATER CO

NASDAQ:YORW (3/3/2025, 6:53:14 PM)

After market: 33.42 0 (0%)

33.42

+1.37 (+4.27%)

Chartmill FA Rating
GICS SectorUtilities
GICS IndustryGroupUtilities
GICS IndustryWater Utilities
Earnings (Last)11-07 2024-11-07/bmo
Earnings (Next)03-11 2025-03-11/amc
Inst Owners54%
Inst Owner Change1.21%
Ins Owners0.54%
Ins Owner Change0.81%
Market Cap480.25M
Analysts85.71
Price Target42.84 (28.19%)
Short Float %1.31%
Short Ratio2.85
Dividend
Industry RankSector Rank
Dividend Yield 2.61%
Yearly Dividend0.81
Dividend Growth(5Y)4.01%
DP56.38%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-28 2025-02-28 (0.2192)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.85%
Min EPS beat(2)-23.75%
Max EPS beat(2)-1.96%
EPS beat(4)2
Avg EPS beat(4)-2.48%
Min EPS beat(4)-23.75%
Max EPS beat(4)14.38%
EPS beat(8)5
Avg EPS beat(8)1.07%
EPS beat(12)8
Avg EPS beat(12)1.85%
EPS beat(16)10
Avg EPS beat(16)0.86%
Revenue beat(2)0
Avg Revenue beat(2)-3.3%
Min Revenue beat(2)-3.36%
Max Revenue beat(2)-3.25%
Revenue beat(4)2
Avg Revenue beat(4)-0.15%
Min Revenue beat(4)-3.36%
Max Revenue beat(4)4.36%
Revenue beat(8)5
Avg Revenue beat(8)1.37%
Revenue beat(12)8
Avg Revenue beat(12)1.85%
Revenue beat(16)9
Avg Revenue beat(16)0.89%
PT rev (1m)0%
PT rev (3m)-8.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 22.58
Fwd PE 21.41
P/S 6.47
P/FCF N/A
P/OCF 16.62
P/B 2.1
P/tB 2.1
EV/EBITDA 16.03
EPS(TTM)1.48
EY4.43%
EPS(NY)1.56
Fwd EY4.67%
FCF(TTM)-1.56
FCFYN/A
OCF(TTM)2.01
OCFY6.02%
SpS5.16
BVpS15.91
TBVpS15.91
PEG (NY)N/A
PEG (5Y)2.3
Profitability
Industry RankSector Rank
ROA 3.41%
ROE 9.27%
ROCE 4.73%
ROIC 3.74%
ROICexc 3.74%
ROICexgc 3.74%
OM 38.41%
PM (TTM) 28.57%
GM N/A
FCFM N/A
ROA(3y)3.86%
ROA(5y)3.92%
ROE(3y)10.44%
ROE(5y)10.73%
ROIC(3y)4.07%
ROIC(5y)4.5%
ROICexc(3y)4.07%
ROICexc(5y)4.5%
ROICexgc(3y)4.07%
ROICexgc(5y)4.5%
ROCE(3y)5.16%
ROCE(5y)5.7%
ROICexcg growth 3Y-5.74%
ROICexcg growth 5Y-5.06%
ROICexc growth 3Y-5.74%
ROICexc growth 5Y-5.06%
OM growth 3Y-2.87%
OM growth 5Y-2.21%
PM growth 3Y2.76%
PM growth 5Y3.9%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF N/A
Debt/EBITDA 4.83
Cap/Depr 406.67%
Cap/Sales 69.14%
Interest Coverage 4.12
Cash Conversion 70.27%
Profit Quality N/A
Current Ratio 0.88
Quick Ratio 0.68
Altman-Z 1.18
F-Score4
WACC7.39%
ROIC/WACC0.51
Cap/Depr(3y)479%
Cap/Depr(5y)413.87%
Cap/Sales(3y)79.19%
Cap/Sales(5y)66.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.92%
EPS 3Y9.34%
EPS 5Y9.83%
EPS Q2Q%-22.64%
EPS Next Y-12.13%
EPS Next 2Y-3.04%
EPS Next 3Y-0.57%
EPS Next 5YN/A
Revenue 1Y (TTM)9.02%
Revenue growth 3Y9.67%
Revenue growth 5Y7.96%
Sales Q2Q%5.05%
Revenue Next Year7.14%
Revenue Next 2Y6.23%
Revenue Next 3Y5.84%
Revenue Next 5YN/A
EBIT growth 1Y1.3%
EBIT growth 3Y6.53%
EBIT growth 5Y5.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-16.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.58%
OCF growth 3Y16.38%
OCF growth 5Y11.68%