📊 UTL Key Takeaways
Is Unitil Corp. (UTL) a Good Investment?
Unitil Corp exhibits deteriorating financial health despite operating in a stable utility sector. The company generates negative free cash flow of -$53.8M while carrying high debt and facing a critical liquidity crisis with a current ratio of 0.56x, indicating insufficient current assets to cover liabilities. Combined with stagnant revenue growth and weak interest coverage of 2.3x, the company faces structural challenges in servicing its $670.5M debt load.
Why Buy Unitil Corp. Stock? UTL Key Strengths
- Positive operating cash flow of $131.3M demonstrates core business ability to generate cash
- Solid operating margin of 18.9% indicates efficient utility operations
- Regulated utility business provides revenue stability and predictable rate structures
UTL Stock Risks: Unitil Corp. Investment Risks
- Critical liquidity crisis: current ratio of 0.56x signals inability to meet short-term obligations
- Negative free cash flow of -$53.8M despite $131.3M operating cash flow; capital expenditures exceed cash generation
- Weak interest coverage of 2.3x provides minimal cushion for debt service in adverse conditions
- Zero revenue growth (0.0% YoY) and minimal earnings growth (0.6% YoY) indicate stagnation
- Low returns: ROE of 8.2% and ROA of 2.4% suggest inefficient capital deployment
- High leverage at 1.10x debt-to-equity with only $15.6M cash reserves relative to $2.1B asset base
Key Metrics to Watch
- Free cash flow trend and working capital management
- Current ratio and short-term liquidity position
- Interest coverage ratio and debt refinancing needs
- Capital expenditure requirements versus operating cash generation
- Revenue growth initiatives and regulatory rate decisions
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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $98.9M | $4.2M | $0.25 |
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 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UTL's key strengths?
Claude: Positive operating cash flow of $131.3M demonstrates core business ability to generate cash. Solid operating margin of 18.9% indicates efficient utility operations.
What are the risks of investing in UTL?
Claude: Critical liquidity crisis: current ratio of 0.56x signals inability to meet short-term obligations. Negative free cash flow of -$53.8M despite $131.3M operating cash flow; capital expenditures exceed cash generation.
What is UTL's revenue and growth?
Unitil Corp. reported revenue of $536.0M.
Does UTL pay dividends?
Unitil Corp. pays dividends, with $30.1M 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 $2.97.
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 April 2026, Unitil Corp. has a SELL rating with 78% 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 8.2% (sector avg: 10%), net margin of 9.4% (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 at or below sector average. Always conduct your own research.
What is UTL's free cash flow?
Unitil Corp.'s operating cash flow is $131.3M, with capital expenditures of $185.1M. FCF margin is -10.0%.
How does UTL compare to other Utilities stocks?
Vs Utilities sector averages: Net margin 9.4% (avg: 12%), ROE 8.2% (avg: 10%), current ratio 0.56 (avg: 0.8).