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YORK WATER CO (YORW) Stock Fundamental Analysis

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

30.92  -0.01 (-0.03%)

After market: 30.92 0 (0%)

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 is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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5

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.
YORW had positive earnings in each of the past 5 years.
Each year in the past 5 years YORW had a positive operating cash flow.
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 of 3.06%. This is comparable to the rest of the industry: YORW outperforms 50.00% of its industry peers.
The Return On Equity of YORW (8.46%) is comparable to the rest of the industry.
YORW's Return On Invested Capital of 3.56% is in line compared to the rest of the industry. YORW outperforms 57.14% 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 5.00%.
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.
Looking at the Operating Margin, with a value of 37.09%, YORW belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
In the last couple of years the Operating Margin of YORW has declined.
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

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1

2. Health

2.1 Basic Checks

YORW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, YORW has more shares outstanding
Compared to 5 years ago, YORW has more shares outstanding
Compared to 1 year ago, YORW has a worse debt to assets ratio.
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

YORW has an Altman-Z score of 1.12. This is a bad value and indicates that YORW is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 1.12, YORW is doing good in the industry, outperforming 64.29% of the companies in the same industry.
A Debt/Equity ratio of 0.91 indicates that YORW is somewhat dependend on debt financing.
YORW has a Debt to Equity ratio (0.91) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF N/A
Altman-Z 1.12
ROIC/WACC0.47
WACC7.51%
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.
With a Current ratio value of 0.90, YORW perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
A Quick Ratio of 0.71 indicates that YORW may have some problems paying its short term obligations.
YORW has a Quick ratio (0.71) which is comparable to the rest of the 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

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3

3. Growth

3.1 Past

The earnings per share for YORW have decreased strongly by -19.41% in the last year.
YORW shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.05% yearly.
YORW shows a small growth in Revenue. In the last year, the Revenue has grown by 3.44%.
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

Based on estimates for the next years, YORW will show a small growth in Earnings Per Share. The EPS will grow by 6.53% on average per year.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

With a Price/Earnings ratio of 22.57, YORW is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of YORW is on the same level as its industry peers.
When comparing the Price/Earnings ratio of YORW to the average of the S&P500 Index (26.41), we can say YORW is valued inline with the index average.
YORW is valuated rather expensively with a Price/Forward Earnings ratio of 19.19.
YORW's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 33.87. YORW is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 22.57
Fwd PE 19.19
YORW Price Earnings VS Forward Price EarningsYORW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

64.29% of the companies in the same industry are cheaper than YORW, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 15.81
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)4.47
EPS Next 2Y6.53%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

YORW has a Yearly Dividend Yield of 2.86%.
YORW's Dividend Yield is a higher than the industry average which is at 3.49.
YORW's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.86%

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.
The dividend of YORW decreased 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

YORW pays out 62.22% of its income as dividend. 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

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YORK WATER CO

NASDAQ:YORW (8/11/2025, 8:10:28 PM)

After market: 30.92 0 (0%)

30.92

-0.01 (-0.03%)

Chartmill FA Rating
GICS SectorUtilities
GICS IndustryGroupUtilities
GICS IndustryWater Utilities
Earnings (Last)08-01 2025-08-01
Earnings (Next)11-05 2025-11-05
Inst Owners54.5%
Inst Owner Change-1.01%
Ins Owners0.6%
Ins Owner Change3%
Market Cap445.25M
Analysts85.71
Price Target41.82 (35.25%)
Short Float %2.07%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 2.86%
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)-2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.14%
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 22.57
Fwd PE 19.19
P/S 5.87
P/FCF N/A
P/OCF 14.63
P/B 1.92
P/tB 1.92
EV/EBITDA 15.81
EPS(TTM)1.37
EY4.43%
EPS(NY)1.61
Fwd EY5.21%
FCF(TTM)-1.29
FCFYN/A
OCF(TTM)2.11
OCFY6.83%
SpS5.26
BVpS16.12
TBVpS16.12
PEG (NY)N/A
PEG (5Y)4.47
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 1.12
F-Score3
WACC7.51%
ROIC/WACC0.47
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%