WallStSmart

NewJersey Resources Corporation (NJR)vsRGC Resources Inc (RGCO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NewJersey Resources Corporation generates 2090% more annual revenue ($2.15B vs $98.31M). NJR leads profitability with a 15.2% profit margin vs 13.1%. RGCO appears more attractively valued with a PEG of 1.30. RGCO earns a higher WallStSmart Score of 57/100 (C).

NJR

Buy

53

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 7.3Quality: 4.3
Piotroski: 4/9Altman Z: 1.02

RGCO

Buy

57

out of 100

Grade: C

Growth: 4.0Profit: 6.5Value: 7.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.90
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NJRSignificantly Overvalued (-140.7%)

Margin of Safety

-140.7%

Fair Value

$21.96

Current Price

$54.12

$32.16 premium

UndervaluedFair: $21.96Overvalued
RGCOSignificantly Overvalued (-155.1%)

Margin of Safety

-155.1%

Fair Value

$8.50

Current Price

$21.09

$12.59 premium

UndervaluedFair: $8.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NJR3 strengths · Avg: 8.0/10
P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.0%8/10

Revenue surging 23.0% year-over-year

RGCO3 strengths · Avg: 8.0/10
P/E RatioValuation
17.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.2%8/10

Strong operational efficiency at 22.2%

Areas to Watch

NJR4 concerns · Avg: 2.5/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

EPS GrowthGrowth
-88.4%2/10

Earnings declined 88.4%

Free Cash FlowQuality
$-139.67M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
1.022/10

Distress zone — elevated risk

RGCO4 concerns · Avg: 2.5/10
Market CapQuality
$223.79M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.343/10

Elevated debt levels

EPS GrowthGrowth
-7.8%2/10

Earnings declined 7.8%

Free Cash FlowQuality
$-4.56M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : NJR

The strongest argument for NJR centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 15.2% and operating margin at -7.5%. Revenue growth of 23.0% demonstrates continued momentum.

Bull Case : RGCO

The strongest argument for RGCO centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 10.9% demonstrates continued momentum. PEG of 1.30 suggests the stock is reasonably priced for its growth.

Bear Case : NJR

The primary concerns for NJR are PEG Ratio, EPS Growth, Free Cash Flow.

Bear Case : RGCO

The primary concerns for RGCO are Market Cap, Debt/Equity, EPS Growth.

Key Dynamics to Monitor

NJR profiles as a growth stock while RGCO is a value play — different risk/reward profiles.

NJR carries more volatility with a beta of 0.58 — expect wider price swings.

NJR is growing revenue faster at 23.0% — sustainability is the question.

RGCO generates stronger free cash flow (-5M), providing more financial flexibility.

Bottom Line

RGCO scores higher overall (57/100 vs 53/100) and 10.9% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

NewJersey Resources Corporation

UTILITIES · UTILITIES - REGULATED GAS · USA

New Jersey Resources Corporation, an energy services portfolio company, provides regulated gas distribution and retail and wholesale energy services. The company is headquartered in Wall, New Jersey.

RGC Resources Inc

UTILITIES · UTILITIES - REGULATED GAS · USA

RGC Resources, Inc. is an energy services company. The company is headquartered in Roanoke, Virginia.

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