The York Water Company (YORW) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of The York Water Company stock $10.86, price $32.62, that is 66.7% below the price, quality 34 out of 100. Rating: strongly overvalued. Calculated from audited financials with 16 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $28.57 – $47.32 · fair‑value band $7.61 – $15.30 · the $32.62 price screens above the $10.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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The York Water Company impounds, purifies, and distributes drinking water. It owns and operates three wastewater collection systems; twelve wastewater collection and treatment systems; and two reservoirs, including Lake Williams and Lake Redman, which hold approximately 2.5 billion gallons of water.
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The company operates a 15-mile pipeline from the Susquehanna River to Lake Redman; and owns satellite groundwater systems in York, Adams, and Lancaster Counties, as well as two impounding dams on primary system located in York and Springfield Townships.
It serves customers in the fixtures and furniture, electrical machinery, food products, paper, ordnance units, textile products, air conditioning systems, laundry detergents, barbells, and motorcycle industries in 58 municipalities within four counties in south-central Pennsylvania.
The York Water Company was incorporated in 1816 and is based in York, Pennsylvania.
Stock analysis
The York Water Company (YORW) currently trades at $32.62, while our model-based Fair Value estimate is $10.86, 67% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $19.16 per share, and 0 of the 15 models we run sit above the $32.62 price.
Bear case: the Earnings-Based group reads lowest at $6.50, and 15 of the 15 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $7.61 (bear) to $15.30 (bull), the price of $32.62 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 34/100 (below-average quality), in the Utilities sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
The York Water Company reported revenue of $77.5M in FY2025 versus $55.1M in FY2021, a compound +8.9%/yr. Reported net income was $20.1M in FY2025, compounding +4.2%/yr from FY2021.
Key figures
Market cap $518M Small · P/E ratio 19.7 · P/S ratio 6.21 · EPS (TTM) $1.66 · Dividend yield 2.8% · Net margin 28.5% · Return on equity 9.0% · Return on assets (EBIT) 4.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Utilities peers we cover trades at −43% fair-value upside, at −67%, YORW screens richer than that median.
Fair Value models
Bear$7.61Fair Value $10.86Bull$15.30
Price $32.62 · Downside -66.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.6471 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income$12.21$13.07$14.5476
EPVn/a$1.86$3.6068
ROIC Compoundern/a$1.86$3.6068
All 16 models by family
Earnings-Based
Graham-Dodd$8.40$22.99$30.1565
Lynch FV$4.55$6.50$8.4561
PEG = 1.0$4.55$6.50$8.4557
EPVn/a$1.86$3.6068
Dividend Discount
Gordon GGM$6.61$12.78$18.7767
DDM Multi-Stage$6.61$10.05$13.4566
Multiples
P/E Multiple$16.69$22.25$27.8163
P/S Multiple$8.95$11.94$14.9258
P/B Multiple$19.99$26.66$33.3255
EV/EBIT$4.90$11.30$17.7062
EV/EBITDA$5.08$11.54$18.0063
EV/Revenuen/an/a$1.2150
Asset-Based
NCAV (Graham)$7.41$9.92$14.8154
Economic Profit
Residual Income$12.21$13.07$14.5476
ROIC Compoundern/a$1.86$3.6068
Growth Earnings
Growth-Adj P/E$13.41$19.16$24.9167
The fair value above starts from this blend and is adjusted for dilution from new shares.
In the last 6 months, 5 officers or directors bought shares worth $53,265, most recently on Oct 20, 2026. Over the same period, one person sold shares worth $266,240. Buying cluster
BuyDouglas S BrossmanDirector4× since Jul 20, 2026: 125 shares, avg. $32.03$4,000Oct 20, 2026
BuyDavid M VelazquezDirector1,288 shares at $31.07$40,000Oct 20, 2026
BuyMatthew E PoffChief Financial Officer2× since Apr 16, 2026: 205 shares, avg. $29.33$6,013Aug 27, 2026
SaleJoseph Thomas HandPresident & CEO, Director8,000 shares at $33.28$266,240Aug 14, 2026
BuyJoseph Thomas HandPresident & CEO, Director4× since Nov 13, 2025: 1,122 shares, avg. $28.66$32,157Jun 19, 2026
BuyWilliam T. Yanavitch IIDirector2× since Dec 22, 2025: 300 shares, avg. $30.00$9,001May 20, 2026
BuyMatthew J ScarpatoChief Operating Officer700 shares at $29.30$20,510May 8, 2026
Plan buySuzanne M BeckerVP- Customer Service3× since Jan 16, 2026: 132 shares, avg. $29.58$3,901Jul 16, 2026
Plan buyAlexandra C ChiaruttiniCAO & General Counsel3× since Jan 16, 2026: 132 shares, avg. $29.58$3,901Jul 16, 2026
Plan buyJoseph Thomas HandPresident & CEO, Director3× since Jan 16, 2026: 494 shares, avg. $29.87$14,752Jul 16, 2026
Plus 4 more entries from the last 12 months.
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
Start year 2020 (pandemic). Over 10 years: +5.1% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.8%
Dividend (yield on the price)2.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1.8% vs 4.2%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.45% → 36%
News mood ⓘNews mood, the average tone of recent news (88 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Utilities - Regulated Water · 64 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score34 · Bottom 25%
Fair Value upside−66.7% · Bottom 25%
Profitability
Return on equity (12 months)9.0% · Above median
Return on assets3.0% · Below median
Net margin (12 months)28.5% · Top 25%
Operating margin (12 months)42.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)22.5% · Top 25%
Dividend yield (12 months)2.8% · Above median
Balance sheet
Debt / equity0.92× · Above median
Valuation Multiplesvs Utilities - Regulated Water median · lower = cheaper
P/E (12 months)19.7× · Pricier than median
P/B2.16× · Pricier than median
P/S (12 months)6.21× · Priciest 25%
EV/EBITDA16.3× · Priciest 25%
PEG4.10× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)100· sector 32
PAST (return on equity)36· sector 30
HEALTH (low debt)54· sector 68
DIVIDEND (yield)55· sector 50
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "The York Water Company Fair Value". https://www.fairvalue-calculator.com/stock/YORW
Frequently asked questions
Is The York Water Company (YORW) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $10.86 versus a price of $32.62, about 67% lower (overvalued).
What is the fair value of YORW?
Our model-based fair value for The York Water Company is $10.86 (as of Nov 7, 2026), built from audited fundamentals. The current price: $32.62.
What is the quality score of YORW?
The York Water Company has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The York Water Company (YORW)?
Our model-based price target is the fair value of $10.86 (as of Nov 7, 2026) from 16 valuation models. Cautious scenario $7.61, optimistic scenario $15.30. It is a calculation from audited fundamentals, not an analyst target.
What is the The York Water Company stock forecast for 2026?
Our models put fair value at $10.86, about 67% lower versus a price of $32.62 (overvalued). Cautious scenario $7.61, optimistic scenario $15.30. The calculation is refreshed regularly with new filings.
What is the revenue of The York Water Company (YORW)?
The York Water Company reported trailing-twelve-month revenue of about $83.4M (latest available figure, as of Nov 7, 2026).
Does The York Water Company pay a dividend?
The York Water Company currently shows a dividend yield of 2.77% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of The York Water Company (YORW) and when is the ex-dividend date?
The York Water Company pays a dividend of $0.903 per share a year, a dividend yield of 2.8%. The last ex-dividend date was Sep 30, 2026. A dividend has been paid every year since at least 1995. The payout ratio is 54.4% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of The York Water Company (YORW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The York Water Company it is $10.86 per share (as of Nov 7, 2026), against a price of $32.62. It is the blended result of 16 valuation models in 6 families (Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is The York Water Company stock overvalued or undervalued in 2026?
As of Nov 7, 2026, YORW trades above its calculated fair value: price $32.62, fair value $10.86, a gap of about −67% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of YORW?
No. The price is what the market pays today ($32.62); the fair value is what the company's own numbers justify ($10.86). For The York Water Company the two are $21.76 per share apart. That gap is exactly why we show both numbers side by side.
How much is The York Water Company worth?
The market values The York Water Company at about $518M (market capitalisation, as of Nov 7, 2026). Per share that is $32.62; our models calculate a fair value of $10.86 per share.
What do the bullish and bearish scenarios say about YORW?
Our models span a range for The York Water Company: cautious scenario $7.61, base $10.86, optimistic $15.30 per share (as of Nov 7, 2026, price $32.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of YORW?
The York Water Company trades at a price-to-earnings ratio of 19.7 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.86 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 32.8. Other multiples: PEG 4.1, P/B 2.2, P/S 6.2, EV/EBITDA 16.3.
What is the PEG ratio of YORW?
The PEG ratio of The York Water Company is 4.10 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of The York Water Company (YORW)?
Balance-sheet figures for The York Water Company (as of Nov 7, 2026): return on equity 9.0%, debt of 0.92 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is YORW from its 52-week high?
The York Water Company trades at $32.62, about 5% below its 52-week high of $34.32 and 14% above the low of $28.58 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $10.86 is for.
Which stocks are comparable to The York Water Company?
From the same area (Utilities) we also value American Water Works Company, Essential Utilities, Inc, Grandblue Environment Co, American States Water Company, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The York Water Company stock attractive at the current price?
The data as of Nov 7, 2026: price $32.62, calculated fair value $10.86 (−67%), Quality Score 34/100, from 16 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of YORW calculated?
We run The York Water Company through 16 models from 6 families: Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $10.86 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. The York Water Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The York Water Company (YORW)?
The closing price on Nov 6, 2026 was $32.62. Our model-based fair value is $10.86, about 67% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The York Water Company right now?
The price sits above even our optimistic bull case ($15.30). The favourable scenario is already priced in. Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($7.61 to $15.30) leaves room in how you read the outcome.
Where does the earnings growth of The York Water Company (YORW) come from?
Earnings per share at The York Water Company grew +5.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.0 %, EBIT margin −2.5 %, tax rate +3.6 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of The York Water Company
How large is the market capitalisation of The York Water Company (YORW)?
The market capitalisation of The York Water Company is $518M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of The York Water Company (YORW)?
The price-to-sales ratio of The York Water Company is 6.21 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of The York Water Company (YORW)?
Earnings per share at The York Water Company are $1.66 (price ÷ EPS = P/E 19.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The York Water Company (YORW)?
The dividend yield of The York Water Company is 2.8% (payout 54.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of The York Water Company (YORW)?
The net margin of The York Water Company is 28.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of The York Water Company (YORW)?
The return on equity (ROE) of The York Water Company is 9.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of The York Water Company (YORW)?
On an EBIT basis the return on assets of The York Water Company is 4.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of The York Water Company (YORW)?
The operating margin of The York Water Company is 42.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The York Water Company (YORW)?
Revenue at The York Water Company is growing +22.5% versus a year earlier (3y avg +8.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The York Water Company (YORW)?
Earnings per share at The York Water Company are growing +37.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does The York Water Company (YORW) generate?
The free cash flow of The York Water Company is −$18.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does The York Water Company (YORW) carry?
The net debt of The York Water Company is $232M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 7, 2026