WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NewJersey Resources Corporation generates 1981% more annual revenue ($2.23B vs $107.14M). NJR leads profitability with a 16.4% profit margin vs 13.1%. RGCO appears more attractively valued with a PEG of 1.30. NJR earns a higher WallStSmart Score of 57/100 (C).

NJR

Buy

57

out of 100

Grade: C

Growth: 5.3Profit: 6.5Value: 4.7Quality: 4.0
Piotroski: 4/9Altman Z: 1.02

RGCO

Hold

47

out of 100

Grade: D+

Growth: 3.3Profit: 6.0Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: 0.90
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NJRSignificantly Overvalued (-63.1%)

Margin of Safety

-63.1%

Fair Value

$32.41

Current Price

$53.16

$20.75 premium

UndervaluedFair: $32.41Overvalued

Intrinsic value data unavailable for RGCO.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NJR3 strengths · Avg: 8.0/10
P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.8%8/10

16.8% revenue growth

RGCO2 strengths · Avg: 8.0/10
P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

NJR3 concerns · Avg: 3.0/10
PEG RatioValuation
2.284/10

Expensive relative to growth rate

Debt/EquityHealth
1.473/10

Elevated debt levels

Altman Z-ScoreHealth
1.022/10

Distress zone — elevated risk

RGCO4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$228.50M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.213/10

Elevated debt levels

Revenue GrowthGrowth
-0.9%2/10

Revenue declined 0.9%

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 16.4% and operating margin at 9.1%. Revenue growth of 16.8% demonstrates continued momentum.

Bull Case : RGCO

The strongest argument for RGCO centers on P/E Ratio, Price/Book. PEG of 1.30 suggests the stock is reasonably priced for its growth.

Bear Case : NJR

The primary concerns for NJR are PEG Ratio, Debt/Equity, Altman Z-Score.

Bear Case : RGCO

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

Key Dynamics to Monitor

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

NJR carries more volatility with a beta of 0.51 — expect wider price swings.

NJR is growing revenue faster at 16.8% — sustainability is the question.

NJR generates stronger free cash flow (25M), providing more financial flexibility.

Bottom Line

NJR scores higher overall (57/100 vs 47/100), backed by strong 16.4% margins and 16.8% revenue growth. Both earn "Buy" and "Hold" 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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