📊 UTL Key Takeaways
Is Unitil Corp. (UTL) a Good Investment?
Unitil Corp exhibits deteriorated financial health with critically low interest coverage (1.3x), weak liquidity (0.57x current ratio), and zero revenue growth, leaving minimal cushion for debt service and operational stress. Poor capital returns (5.2% ROE, 1.5% ROA) and high leverage (1.05x D/E) compound concerns about the company's ability to fund operations and service obligations.
Why Buy Unitil Corp. Stock? UTL Key Strengths
- Stable operating margin of 25.8% reflects regulated utility economics with predictable cash flows
- Positive free cash flow generation of $17.7M demonstrates ongoing operational performance
- Net margin of 15.3% maintains reasonable profitability on revenue base
UTL Stock Risks: Unitil Corp. Investment Risks
- Interest coverage ratio of 1.3x is critically low with virtually no margin for operational decline or rate pressures
- Current ratio of 0.57x signals severe liquidity constraints and potential working capital stress
- Stagnant revenue growth (0.0% YoY) and minimal earnings growth (0.6% YoY) with no identified growth catalysts
Key Metrics to Watch
- Interest coverage ratio stability and debt service capacity
- Working capital management and liquidity improvement trajectory
- Revenue growth inflection and regulatory rate case approval outcomes
Unitil Corp. (UTL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UTL Profit Margin, ROE & Profitability Analysis
UTL vs Utilities Sector: How Unitil Corp. Compares
How Unitil Corp. compares to Utilities sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Unitil Corp. Stock Overvalued? UTL Valuation Analysis 2026
Based on fundamental analysis, Unitil Corp. has mixed fundamental signals relative to the Utilities sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Unitil Corp. Balance Sheet: UTL Debt, Cash & Liquidity
UTL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Unitil Corp.'s revenue has grown significantly by 18% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.82 reflects profitable operations.
UTL Revenue Growth, EPS Growth & YoY Performance
UTL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $170.8M | $27.5M | $1.69 |
| Q3 2025 | $92.9M | N/A | $0.00 |
| Q2 2025 | $95.7M | $4.0M | $0.25 |
| Q1 2025 | $170.8M | $27.2M | $1.69 |
| Q3 2024 | $92.9M | N/A | $0.00 |
| Q2 2024 | $95.7M | $4.2M | $0.25 |
| Q1 2024 | $178.7M | $24.1M | $1.51 |
| Q3 2023 | $103.9M | $500.0K | $0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Unitil Corp. Dividends, Buybacks & Capital Allocation
UTL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Unitil Corp. (CIK: 0000755001)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UTL
What is the AI rating for UTL?
Unitil Corp. (UTL) has an AI rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UTL's key strengths?
Claude: Stable operating margin of 25.8% reflects regulated utility economics with predictable cash flows. Positive free cash flow generation of $17.7M demonstrates ongoing operational performance.
What are the risks of investing in UTL?
Claude: Interest coverage ratio of 1.3x is critically low with virtually no margin for operational decline or rate pressures. Current ratio of 0.57x signals severe liquidity constraints and potential working capital stress.
What is UTL's revenue and growth?
Unitil Corp. reported revenue of $216.9M.
Does UTL pay dividends?
Unitil Corp. pays dividends, with $8.5M distributed to shareholders in the trailing twelve months.
Where can I find UTL SEC filings?
Official SEC filings for Unitil Corp. (CIK: 0000755001) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UTL's EPS?
Unitil Corp. has a diluted EPS of $1.85.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UTL a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Unitil Corp. has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is UTL stock overvalued or undervalued?
Valuation metrics for UTL: ROE of 5.2% (sector avg: 10%), net margin of 15.3% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy UTL stock in 2026?
Our dual AI analysis gives Unitil Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is UTL's free cash flow?
Unitil Corp.'s operating cash flow is $50.1M, with capital expenditures of $32.4M. FCF margin is 8.2%.
How does UTL compare to other Utilities stocks?
Vs Utilities sector averages: Net margin 15.3% (avg: 12%), ROE 5.2% (avg: 10%), current ratio 0.57 (avg: 0.8).