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YORK WATER CO (YORW) Stock Fundamental Analysis

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

32.07  -0.32 (-0.99%)

After market: 32.07 0 (0%)

Fundamental Rating

3

Overall YORW gets a fundamental rating of 3 out of 10. We evaluated YORW 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

YORW had positive earnings in the past year.
In the past year YORW had a positive cash flow from operations.
Each year in the past 5 years YORW has been profitable.
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

YORW has a Return On Assets (3.06%) which is comparable to the rest of the industry.
The Return On Equity of YORW (8.46%) is comparable to the rest of the industry.
YORW has a Return On Invested Capital (3.56%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for YORW is in line with the industry average of 5.08%.
Industry RankSector Rank
ROA 3.06%
ROE 8.46%
ROIC 3.56%
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 has a Profit Margin of 25.91%. This is in the better half of the industry: YORW outperforms 78.57% of its industry peers.
In the last couple of years the Profit Margin of YORW has remained more or less at the same level.
YORW has a Operating Margin of 37.09%. This is in the better half of the industry: YORW outperforms 78.57% of its industry peers.
YORW's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 37.09%
PM (TTM) 25.91%
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

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
YORW has more shares outstanding than it did 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 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 1.15, we must say that YORW is in the distress zone and has some risk of bankruptcy.
YORW has a Altman-Z score (1.15) which is in line with its industry peers.
YORW has a Debt/Equity ratio of 0.91. This is a neutral value indicating YORW is somewhat dependend on debt financing.
YORW has a Debt to Equity ratio (0.91) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF N/A
Altman-Z 1.15
ROIC/WACC0.45
WACC7.96%
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

YORW has a Current Ratio of 0.90. 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's Current ratio of 0.90 is in line compared to the rest of the industry. YORW outperforms 50.00% of its industry peers.
YORW has a Quick Ratio of 0.90. This is a bad value and indicates that YORW is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.71, YORW is in line with its industry, outperforming 42.86% of the companies in the same industry.
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

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%.
Measured over the past 5 years, YORW shows a small growth in Earnings Per Share. The EPS has been growing by 5.05% on average per year.
Looking at the last year, YORW shows a small growth in Revenue. The Revenue has grown by 3.44% 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)3.44%
Revenue growth 3Y10.79%
Revenue growth 5Y7.76%
Sales Q2Q%4.7%

3.2 Future

The Earnings Per Share is expected to grow by 6.53% 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 5.83% yearly.
EPS Next Y-4.46%
EPS Next 2Y6.53%
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

1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 23.41, which indicates a rather expensive current valuation of YORW.
YORW's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.43. YORW is around the same levels.
The Price/Forward Earnings ratio is 19.90, which indicates a rather expensive current valuation of YORW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of YORW is on the same level as its industry peers.
YORW's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.17.
Industry RankSector Rank
PE 23.41
Fwd PE 19.9
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

Based on the Enterprise Value to EBITDA ratio, YORW is valued a bit more expensive than 64.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 16.32
YORW Per share dataYORW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)4.64
EPS Next 2Y6.53%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

YORW has a Yearly Dividend Yield of 2.70%.
Compared to an average industry Dividend Yield of 3.40, YORW pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, YORW has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.7%

5.2 History

The dividend of YORW has a limited annual growth rate of 3.93%.
YORW has paid a dividend for at least 10 years, which is a reliable track record.
YORW has decreased its dividend recently.
Dividend Growth(5Y)3.93%
Div Incr Years1
Div Non Decr Years1
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

62.22% of the earnings are spent on dividend by YORW. This is not a sustainable payout ratio.
The dividend of YORW is growing, but earnings are growing more, so the dividend growth is sustainable.
DP62.22%
EPS Next 2Y6.53%
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

YORK WATER CO

NASDAQ:YORW (6/4/2025, 8:00:02 PM)

After market: 32.07 0 (0%)

32.07

-0.32 (-0.99%)

Chartmill FA Rating
GICS SectorUtilities
GICS IndustryGroupUtilities
GICS IndustryWater Utilities
Earnings (Last)05-06 2025-05-06/bmo
Earnings (Next)07-31 2025-07-31
Inst Owners54%
Inst Owner Change2.37%
Ins Owners0.54%
Ins Owner Change3.44%
Market Cap461.81M
Analysts85.71
Price Target42.84 (33.58%)
Short Float %1.19%
Short Ratio2.44
Dividend
Industry RankSector Rank
Dividend Yield 2.7%
Yearly Dividend0.84
Dividend Growth(5Y)3.93%
DP62.22%
Div Incr Years1
Div Non Decr Years1
Ex-Date06-30 2025-06-30 (0.2192)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-15.17%
Min EPS beat(2)-25.73%
Max EPS beat(2)-4.61%
EPS beat(4)0
Avg EPS beat(4)-14.01%
Min EPS beat(4)-25.73%
Max EPS beat(4)-1.96%
EPS beat(8)4
Avg EPS beat(8)-3.38%
EPS beat(12)7
Avg EPS beat(12)-1.23%
EPS beat(16)9
Avg EPS beat(16)-0.86%
Revenue beat(2)0
Avg Revenue beat(2)-3.71%
Min Revenue beat(2)-4.77%
Max Revenue beat(2)-2.65%
Revenue beat(4)0
Avg Revenue beat(4)-3.51%
Min Revenue beat(4)-4.77%
Max Revenue beat(4)-2.65%
Revenue beat(8)3
Avg Revenue beat(8)-0.37%
Revenue beat(12)7
Avg Revenue beat(12)0.93%
Revenue beat(16)8
Avg Revenue beat(16)0.44%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-8.33%
EPS NQ rev (3m)-10.81%
EPS NY rev (1m)-10.14%
EPS NY rev (3m)-13.07%
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 23.41
Fwd PE 19.9
P/S 6.09
P/FCF N/A
P/OCF 15.18
P/B 1.99
P/tB 1.99
EV/EBITDA 16.32
EPS(TTM)1.37
EY4.27%
EPS(NY)1.61
Fwd EY5.03%
FCF(TTM)-1.29
FCFYN/A
OCF(TTM)2.11
OCFY6.59%
SpS5.26
BVpS16.12
TBVpS16.12
PEG (NY)N/A
PEG (5Y)4.64
Profitability
Industry RankSector Rank
ROA 3.06%
ROE 8.46%
ROCE 4.5%
ROIC 3.56%
ROICexc 3.56%
ROICexgc 3.56%
OM 37.09%
PM (TTM) 25.91%
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-Score3
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF N/A
Debt/EBITDA 5.09
Cap/Depr 364.87%
Cap/Sales 64.72%
Interest Coverage 3.19
Cash Conversion 73.22%
Profit Quality N/A
Current Ratio 0.9
Quick Ratio 0.71
Altman-Z 1.15
F-Score3
WACC7.96%
ROIC/WACC0.45
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 Y-4.46%
EPS Next 2Y6.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.44%
Revenue growth 3Y10.79%
Revenue growth 5Y7.76%
Sales Q2Q%4.7%
Revenue Next Year5.33%
Revenue Next 2Y5.83%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-7.32%
EBIT growth 3Y6.22%
EBIT growth 5Y3.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y39.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y32.81%
OCF growth 3Y10%
OCF growth 5Y10.11%