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YORK WATER CO (YORW) Stock Fundamental Analysis

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

33.21  -1.86 (-5.3%)

Fundamental Rating

3

Taking everything into account, YORW scores 3 out of 10 in our fundamental rating. YORW was compared to 14 industry peers in the Water Utilities industry. YORW has a medium profitability rating, but doesn't score so well on its financial health evaluation. YORW has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

YORW had positive earnings in the past year.
YORW had a positive operating cash flow in the past year.
YORW had positive earnings in each of the past 5 years.
YORW had a positive operating cash flow in each of the past 5 years.
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 2024 0 20M -20M

1.2 Ratios

With a Return On Assets value of 3.21%, YORW perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
With a Return On Equity value of 8.79%, YORW perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
The Return On Invested Capital of YORW (3.60%) is better than 64.29% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for YORW is in line with the industry average of 5.12%.
Industry RankSector Rank
ROA 3.21%
ROE 8.79%
ROIC 3.6%
ROA(3y)3.69%
ROA(5y)3.77%
ROE(3y)9.66%
ROE(5y)10.34%
ROIC(3y)3.87%
ROIC(5y)4.14%
YORW Yearly ROA, ROE, ROICYORW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

YORW's Profit Margin of 27.11% is amongst the best of the industry. YORW outperforms 85.71% of its industry peers.
YORW's Profit Margin has been stable in the last couple of years.
YORW has a better Operating Margin (37.41%) than 85.71% of its industry peers.
In the last couple of years the Operating Margin of YORW has declined.
Industry RankSector Rank
OM 37.41%
PM (TTM) 27.11%
GM N/A
OM growth 3Y-4.13%
OM growth 5Y-4.1%
PM growth 3Y-4.16%
PM growth 5Y-0.58%
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 2024 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.
YORW has more shares outstanding than it did 1 year ago.
YORW has more shares outstanding than it did 5 years ago.
The debt/assets ratio for YORW is higher compared to a year ago.
YORW Yearly Shares OutstandingYORW Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 200M 400M 600M

2.2 Solvency

Based on the Altman-Z score of 1.22, we must say that YORW is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.22, YORW perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
YORW has a Debt/Equity ratio of 0.89. This is a neutral value indicating YORW is somewhat dependend on debt financing.
The Debt to Equity ratio of YORW (0.89) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Altman-Z 1.22
ROIC/WACC0.44
WACC8.11%
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 2024 0 50M 100M 150M 200M

2.3 Liquidity

A Current Ratio of 0.90 indicates that YORW may have some problems paying its short term obligations.
YORW's Current ratio of 0.90 is fine compared to the rest of the industry. YORW outperforms 64.29% of its industry peers.
A Quick Ratio of 0.71 indicates that YORW may have some problems paying its short term obligations.
YORW's Quick ratio of 0.71 is on the low side compared to the rest of the industry. YORW is outperformed by 64.29% of its industry peers.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.71
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 2024 5M 10M 15M 20M

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3

3. Growth

3.1 Past

YORW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.41%.
YORW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.05% yearly.
Looking at the last year, YORW shows a small growth in Revenue. The Revenue has grown by 5.53% in the last year.
The Revenue has been growing slightly by 7.76% on average over the past years.
EPS 1Y (TTM)-19.41%
EPS 3Y2.99%
EPS 5Y5.05%
EPS Q2Q%-16.67%
Revenue 1Y (TTM)5.53%
Revenue growth 3Y10.79%
Revenue growth 5Y7.76%
Sales Q2Q%4.72%

3.2 Future

YORW is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.21% yearly.
Based on estimates for the next years, YORW will show a small growth in Revenue. The Revenue will grow by 5.83% on average per year.
EPS Next Y6.31%
EPS Next 2Y7.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.33%
Revenue Next 2Y5.83%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 24.24, the valuation of YORW can be described as rather expensive.
64.29% of the companies in the same industry are cheaper than YORW, based on the Price/Earnings ratio.
YORW's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.29.
YORW is valuated rather expensively with a Price/Forward Earnings ratio of 20.35.
Based on the Price/Forward Earnings ratio, YORW is valued a bit cheaper than 64.29% of the companies in the same industry.
YORW is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 20.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 24.24
Fwd PE 20.35
YORW Price Earnings VS Forward Price EarningsYORW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

YORW's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. YORW is more expensive than 64.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 17.32
YORW Per share dataYORW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates YORW does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.84
PEG (5Y)4.8
EPS Next 2Y7.21%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.54%, YORW has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.31, YORW pays a bit more dividend than its industry peers.
YORW's Dividend Yield is comparable with the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 2.54%

5.2 History

The dividend of YORW has a limited annual growth rate of 3.93%.
YORW has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)3.93%
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 59.47% of its income as dividend. This is a bit on the high side, but may be sustainable.
YORW's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP59.47%
EPS Next 2Y7.21%
EPS Next 3YN/A
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 2024 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 (5/7/2025, 3:47:41 PM)

33.21

-1.86 (-5.3%)

Chartmill FA Rating
GICS SectorUtilities
GICS IndustryGroupUtilities
GICS IndustryWater Utilities
Earnings (Last)05-06 2025-05-06
Earnings (Next)07-31 2025-07-31
Inst Owners54%
Inst Owner Change-2%
Ins Owners0.54%
Ins Owner Change0.82%
Market Cap477.89M
Analysts85.71
Price Target42.84 (29%)
Short Float %0.89%
Short Ratio1.72
Dividend
Industry RankSector Rank
Dividend Yield 2.54%
Yearly Dividend0.84
Dividend Growth(5Y)3.93%
DP59.47%
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)-3.29%
Min EPS beat(2)-4.61%
Max EPS beat(2)-1.96%
EPS beat(4)1
Avg EPS beat(4)-7.22%
Min EPS beat(4)-23.75%
Max EPS beat(4)1.42%
EPS beat(8)4
Avg EPS beat(8)-0.41%
EPS beat(12)7
Avg EPS beat(12)0.75%
EPS beat(16)9
Avg EPS beat(16)0.22%
Revenue beat(2)0
Avg Revenue beat(2)-3.01%
Min Revenue beat(2)-3.36%
Max Revenue beat(2)-2.65%
Revenue beat(4)1
Avg Revenue beat(4)-1.9%
Min Revenue beat(4)-3.36%
Max Revenue beat(4)1.66%
Revenue beat(8)4
Avg Revenue beat(8)0.31%
Revenue beat(12)8
Avg Revenue beat(12)1.95%
Revenue beat(16)8
Avg Revenue beat(16)0.66%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.27%
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 24.24
Fwd PE 20.35
P/S 6.38
P/FCF N/A
P/OCF 15.64
P/B 2.07
P/tB 2.07
EV/EBITDA 17.32
EPS(TTM)1.37
EY4.13%
EPS(NY)1.63
Fwd EY4.91%
FCF(TTM)-1.23
FCFYN/A
OCF(TTM)2.12
OCFY6.39%
SpS5.21
BVpS16.07
TBVpS16.07
PEG (NY)3.84
PEG (5Y)4.8
Profitability
Industry RankSector Rank
ROA 3.21%
ROE 8.79%
ROCE 4.56%
ROIC 3.6%
ROICexc 3.6%
ROICexgc 3.6%
OM 37.41%
PM (TTM) 27.11%
GM N/A
FCFM N/A
ROA(3y)3.69%
ROA(5y)3.77%
ROE(3y)9.66%
ROE(5y)10.34%
ROIC(3y)3.87%
ROIC(5y)4.14%
ROICexc(3y)3.87%
ROICexc(5y)4.14%
ROICexgc(3y)3.87%
ROICexgc(5y)4.14%
ROCE(3y)4.9%
ROCE(5y)5.24%
ROICexcg growth 3Y-5.1%
ROICexcg growth 5Y-7.77%
ROICexc growth 3Y-5.1%
ROICexc growth 5Y-7.77%
OM growth 3Y-4.13%
OM growth 5Y-4.1%
PM growth 3Y-4.16%
PM growth 5Y-0.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF N/A
Debt/EBITDA 5.01
Cap/Depr 372.06%
Cap/Sales 64.34%
Interest Coverage 4.07
Cash Conversion 74.53%
Profit Quality N/A
Current Ratio 0.9
Quick Ratio 0.71
Altman-Z 1.22
F-Score4
WACC8.11%
ROIC/WACC0.44
Cap/Depr(3y)473.57%
Cap/Depr(5y)440.35%
Cap/Sales(3y)79.82%
Cap/Sales(5y)72.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-19.41%
EPS 3Y2.99%
EPS 5Y5.05%
EPS Q2Q%-16.67%
EPS Next Y6.31%
EPS Next 2Y7.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.53%
Revenue growth 3Y10.79%
Revenue growth 5Y7.76%
Sales Q2Q%4.72%
Revenue Next Year5.33%
Revenue Next 2Y5.83%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.06%
EBIT growth 3Y6.22%
EBIT growth 5Y3.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y46.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.23%
OCF growth 3Y10%
OCF growth 5Y10.11%