$51.81

+0.24 (+0.47%)

Weekly Expected Move ±3.8%

$46 $48 $50 $52 $54

NYSE · Utilities · Diversified Utilities · Alpha Radar Neutral · Power 48 · $932.1M mcap · 18M float · 0.754% daily turnover · Short 55% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

44.9 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 5.5% · 5Y Avg: 4.4%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. UTL shows a Weak competitive edge (44.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 5.5% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$56

Low

$56

Avg Target

$56

High

Based on 1 analyst since May 4, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 5Sell: 2Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$56.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-11	Wells Fargo	—	Initiated	$56	—	+10.3%	$50.75
2026-04-09	Scotiabank	—	Initiated	$57	—	+3.5%	$55.07
2024-11-05	Guggenheim	Shahriar Pourreza	Initiated	$53	—	-5.6%	$56.14

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. UTL receives an overall rating of B-. Areas of concern: DCF (1/5), D/E (2/5).

Rating Change History

Date	From	To
2026-05-11	B	B-
2026-05-07	B-	B
2026-05-04	B	B-
2026-04-28	B-	B
2026-02-17	C-	B-
2026-02-10	B-	C-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 45 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. UTL scores highest in Momentum (92/100) and lowest in Safety (15/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

0.84

Distress Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✗ ✓

Beneish M-Score

-2.50

Unlikely Manipulator

Ohlson O-Score

-5.75

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

Score: 27.1/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 2.31x

Accruals: -3.7%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. UTL scores 0.84, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. UTL scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. UTL's score of -2.50 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. UTL's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. UTL receives an estimated rating of B (score: 27.1/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). UTL's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

16.59x

PEG

2.02x

P/S

1.60x

P/B

1.46x

P/FCF

-16.82x

P/OCF

7.23x

EV/EBITDA

8.88x

EV/Revenue

3.19x

EV/EBIT

15.63x

EV/FCF

-33.42x

Earnings Yield

5.98%

FCF Yield

-5.95%

Shareholder Yield

3.35%

Graham Number

$48.92

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 16.6x earnings, UTL trades at a reasonable valuation. An earnings yield of 6.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $48.92 per share, 6% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.760

NI / EBT

Interest Burden

0.619

EBT / EBIT

EBIT Margin

0.204

EBIT / Rev

Asset Turnover

0.295

Rev / Assets

Equity Multiplier

3.514

Assets / Equity

ROE

10.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. UTL's ROE of 10.0% is driven by financial leverage (equity multiplier: 3.51x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

4.33%

Fair P/E

17.16x

Intrinsic Value

$53.59

Price/Value

0.97x

Margin of Safety

2.52%

Premium

-2.52%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with UTL's realized 4.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $53.59, UTL appears undervalued with a 3% margin of safety. The adjusted fair P/E of 17.2x compares to the current market P/E of 16.6x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$51.72

Median 1Y

$50.65

5th Pctile

$31.45

95th Pctile

$81.74

Ann. Volatility

29.8%

Analyst Target

$56.50

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Thomas P. Meissner, Jr. Chairman of the Board & Chief Executive Officer	$744,066	$751,842	$3,189,116
Robert B. Hevert President & Chief Administrative Officer	$486,000	$348,543	$1,614,866
Daniel J. Hurstak Senior Vice President, Chief Financial Officer & Treasurer	$352,892	$225,342	$998,997
Christopher J. LeBlanc Senior Vice President, Gas Operations	$306,375	$101,088	$863,281
Justin Eisfeller & ice President & Chief Technology Officer	$296,951	$101,088	$782,885

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

595

+9.4% YoY

Revenue / Employee

$900,840

Rev: $536,000,000

Profit / Employee

$84,370

NI: $50,200,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	9.3%	9.2%	8.6%	9.2%	9.8%	9.9%	9.0%	9.6%	9.5%	9.6%	9.4%	10.1%	10.1%	9.8%	9.4%	9.5%	9.4%	9.3%	8.9%	10.0%	9.96%
ROA	2.4%	2.4%	2.4%	2.5%	2.7%	2.7%	2.6%	2.8%	2.8%	2.8%	2.8%	3.0%	3.0%	2.9%	2.7%	2.7%	2.7%	2.7%	2.5%	2.8%	2.84%
ROIC	5.9%	6.0%	5.8%	6.0%	6.2%	6.3%	5.9%	6.1%	6.1%	6.1%	5.8%	6.1%	6.1%	6.0%	5.5%	5.7%	5.7%	5.8%	5.1%	5.5%	5.50%
ROCE	5.4%	5.3%	5.5%	5.7%	5.8%	5.9%	6.1%	6.5%	6.6%	6.8%	6.7%	7.1%	7.2%	6.9%	6.1%	6.3%	6.3%	6.5%	6.3%	6.9%	6.90%
Gross Margin	32.9%	28.6%	33.9%	30.2%	33.8%	27.4%	29.3%	28.8%	34.0%	30.6%	40.5%	39.1%	39.3%	35.2%	44.2%	44.4%	40.6%	37.4%	40.8%	40.7%	40.71%
Operating Margin	11.2%	7.3%	18.9%	18.6%	12.0%	6.5%	15.9%	17.9%	11.4%	7.7%	21.5%	24.7%	13.0%	6.2%	22.1%	27.0%	13.0%	6.9%	21.5%	25.8%	25.77%
Net Margin	2.8%	0.0%	10.4%	11.2%	5.0%	0.5%	9.0%	10.9%	4.1%	1.3%	12.0%	15.2%	4.5%	0.0%	12.2%	16.1%	3.9%	-0.3%	11.8%	15.3%	15.31%
EBITDA Margin	25.8%	21.7%	29.1%	26.5%	26.8%	21.7%	26.1%	26.0%	29.0%	25.5%	36.2%	35.8%	34.3%	27.4%	39.3%	40.6%	36.3%	31.0%	37.2%	37.2%	37.21%
FCF Margin	-3.3%	-3.1%	-1.5%	-5.1%	-4.4%	-4.0%	-4.3%	-7.6%	-7.6%	-6.7%	-6.1%	-4.0%	-3.8%	-6.2%	-8.9%	-6.3%	-8.5%	-9.9%	-10.0%	-9.6%	-9.55%
OCF Margin	23.2%	21.5%	22.8%	16.9%	17.8%	17.5%	17.3%	14.2%	15.0%	15.9%	19.2%	22.9%	23.8%	26.3%	25.4%	31.1%	29.1%	26.5%	24.5%	22.2%	22.21%
ROE 3Y Avg	snapshot only																				9.43%
ROE 5Y Avg	snapshot only																				9.27%
ROA 3Y Avg	snapshot only																				2.71%
ROIC 3Y Avg	snapshot only																				3.94%
ROIC Economic	snapshot only																				5.48%
Cash ROA	snapshot only																				6.02%
Cash ROIC	snapshot only																				8.44%
CROIC	snapshot only																				-3.63%
NOPAT Margin	snapshot only																				14.47%
Pretax Margin	snapshot only																				12.64%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				0.00%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	19.39	16.44	17.32	18.30	20.53	16.16	18.00	18.96	17.25	14.44	17.50	16.47	16.39	19.89	17.95	19.19	17.61	17.20	16.98	16.73	16.590
P/S Ratio	1.57	1.29	1.32	1.34	1.59	1.24	1.32	1.41	1.25	1.08	1.42	1.54	1.56	1.88	1.71	1.87	1.68	1.60	1.59	1.61	1.601
P/B Ratio	1.77	1.49	1.39	1.58	1.87	1.49	1.59	1.78	1.60	1.37	1.62	1.63	1.62	1.91	1.65	1.77	1.62	1.57	1.40	1.53	1.458
P/FCF	-47.47	-41.94	-86.84	-26.14	-35.89	-31.27	-30.55	-18.54	-16.49	-16.24	-23.27	-38.44	-41.32	-30.16	-19.21	-29.44	-19.70	-16.17	-15.84	-16.82	-16.818
P/OCF	6.76	5.99	5.80	7.94	8.90	7.07	7.63	9.95	8.38	6.81	7.39	6.73	6.55	7.14	6.71	6.01	5.77	6.04	6.49	7.23	7.232
EV/EBITDA	9.69	8.82	8.87	9.22	10.06	8.68	9.42	9.62	8.83	7.99	9.12	8.79	8.63	9.52	9.26	9.33	8.67	8.27	8.97	8.88	8.882
EV/Revenue	2.90	2.59	2.51	2.41	2.65	2.28	2.40	2.44	2.27	2.11	2.63	2.85	2.89	3.24	3.22	3.41	3.20	3.10	3.31	3.19	3.192
EV/EBIT	17.15	15.80	15.94	16.35	17.68	15.37	16.72	16.76	15.44	13.82	15.72	14.92	14.70	16.67	16.59	16.94	16.00	15.33	16.26	15.63	15.628
EV/FCF	-87.88	-84.40	-165.12	-46.93	-59.98	-57.60	-55.43	-32.03	-29.89	-31.69	-43.12	-71.05	-76.48	-51.94	-36.25	-53.69	-37.50	-31.22	-33.00	-33.42	-33.421
Earnings Yield	5.2%	6.1%	5.8%	5.5%	4.9%	6.2%	5.6%	5.3%	5.8%	6.9%	5.7%	6.1%	6.1%	5.0%	5.6%	5.2%	5.7%	5.8%	5.9%	6.0%	5.98%
FCF Yield	-2.1%	-2.4%	-1.2%	-3.8%	-2.8%	-3.2%	-3.3%	-5.4%	-6.1%	-6.2%	-4.3%	-2.6%	-2.4%	-3.3%	-5.2%	-3.4%	-5.1%	-6.2%	-6.3%	-5.9%	-5.95%
PEG Ratio	snapshot only																				2.018
Price/Tangible Book	snapshot only																				1.545
EV/OCF	snapshot only																				14.371
EV/Gross Profit	snapshot only																				7.951
Acquirers Multiple	snapshot only																				16.756
Shareholder Yield	snapshot only																				3.35%
Graham Number	snapshot only																				$48.92

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	1.02	1.02	0.92	0.92	0.92	0.92	0.75	0.75	0.75	0.75	0.64	0.64	0.64	0.64	0.83	0.83	0.83	0.83	0.56	0.56	0.564
Quick Ratio	0.96	0.96	0.87	0.87	0.87	0.87	0.70	0.70	0.70	0.70	0.59	0.59	0.59	0.59	0.76	0.76	0.76	0.76	0.52	0.52	0.525
Debt/Equity	1.52	1.52	1.27	1.27	1.27	1.27	1.32	1.32	1.32	1.32	1.39	1.39	1.39	1.39	1.47	1.47	1.47	1.47	1.54	1.54	1.540
Net Debt/Equity	1.51	1.51	1.26	1.26	1.26	1.26	1.30	1.30	1.30	1.30	1.38	1.38	1.38	1.38	1.46	1.46	1.46	1.46	1.51	1.51	1.514
Debt/Assets	0.39	0.39	0.37	0.37	0.37	0.37	0.39	0.39	0.39	0.39	0.41	0.41	0.41	0.41	0.42	0.42	0.42	0.42	0.44	0.44	0.437
Debt/EBITDA	4.50	4.48	4.25	4.13	4.09	4.01	4.29	4.11	4.02	3.95	4.24	4.07	4.01	4.03	4.39	4.25	4.15	4.02	4.74	4.49	4.487
Net Debt/EBITDA	4.46	4.44	4.20	4.09	4.04	3.97	4.23	4.05	3.96	3.89	4.20	4.04	3.97	3.99	4.35	4.22	4.11	3.99	4.66	4.41	4.413
Interest Coverage	2.77	2.71	2.76	2.91	2.97	2.95	2.86	2.88	2.77	2.72	2.67	2.74	2.68	2.68	2.76	2.71	2.66	2.51	2.50	2.62	2.625
Equity Multiplier	3.91	3.91	3.43	3.43	3.43	3.43	3.40	3.40	3.40	3.40	3.41	3.41	3.41	3.41	3.50	3.50	3.50	3.50	3.52	3.52	3.524
Cash Ratio	snapshot only																				0.037
Debt Service Coverage	snapshot only																				4.618
Cash to Debt	snapshot only																				0.017
FCF to Debt	snapshot only																				-0.059
Defensive Interval	snapshot only																				395.0 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.30	0.31	0.31	0.34	0.35	0.35	0.36	0.38	0.38	0.38	0.34	0.32	0.31	0.30	0.29	0.28	0.29	0.29	0.27	0.30	0.295
Inventory Turnover	31.67	32.69	33.32	38.68	38.76	39.83	34.58	36.53	36.76	36.07	27.01	23.55	22.82	21.96	20.01	19.09	19.28	19.48	19.68	21.77	21.775
Receivables Turnover	6.07	6.22	6.64	7.40	7.43	7.60	8.01	8.40	8.46	8.37	7.49	6.93	6.83	6.68	6.60	6.49	6.58	6.69	5.87	6.38	6.379
Payables Turnover	7.96	8.22	7.28	8.45	8.47	8.70	6.52	6.88	6.93	6.80	6.43	5.61	5.44	5.23	6.12	5.84	5.90	5.96	5.59	6.19	6.188
DSO	60	59	55	49	49	48	46	43	43	44	49	53	53	55	55	56	55	55	62	57	57.2 days
DIO	12	11	11	9	9	9	11	10	10	10	14	15	16	17	18	19	19	19	19	17	16.8 days
DPO	46	44	50	43	43	42	56	53	53	54	57	65	67	70	60	63	62	61	65	59	59.0 days
Cash Conversion Cycle	26	25	16	16	15	15	0	0	0	0	6	3	2	1	14	13	12	12	15	15	15.0 days
Fixed Asset Turnover	snapshot only																				0.322
Operating Cycle	snapshot only																				74.0 days
Cash Velocity	snapshot only																				37.314
Capital Intensity	snapshot only																				3.690

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	5.7%	7.7%	13.1%	23.4%	20.4%	20.2%	19.0%	12.1%	12.4%	8.8%	-1.1%	-12.7%	-14.7%	-15.6%	-11.2%	-5.6%	-2.8%	1.0%	8.3%	19.6%	19.55%
Net Income	10.9%	17.3%	12.1%	7.8%	15.2%	17.6%	14.7%	13.7%	5.9%	6.8%	9.2%	9.8%	11.8%	6.3%	4.2%	-1.9%	-2.7%	-0.4%	6.6%	17.9%	17.93%
EPS	10.2%	12.8%	8.4%	1.1%	8.0%	13.9%	10.7%	13.7%	5.9%	6.1%	8.6%	9.1%	11.1%	6.3%	3.7%	-2.5%	-3.3%	-5.6%	-2.1%	6.7%	6.73%
FCF	62.0%	71.5%	84.6%	-11.1%	-61.4%	-55.1%	-2.4%	-66.1%	-93.6%	-83.6%	-39.3%	54.0%	57.6%	21.1%	-29.4%	-49.3%	-1.2%	-60.6%	-22.3%	-79.9%	-79.94%
EBITDA	8.7%	10.6%	8.8%	5.9%	6.1%	7.7%	7.0%	8.6%	9.9%	9.7%	12.0%	11.7%	11.0%	8.4%	7.2%	6.3%	7.1%	11.2%	14.9%	17.7%	17.69%
Op. Income	8.8%	12.6%	9.0%	3.9%	5.7%	6.0%	3.5%	5.0%	3.4%	4.4%	8.2%	9.0%	9.9%	6.2%	4.0%	0.9%	1.2%	5.0%	11.7%	19.8%	19.76%
OCF Growth	snapshot only																				-14.60%
Asset Growth	snapshot only																				19.70%
Equity Growth	snapshot only																				18.95%
Debt Growth	snapshot only																				24.20%
Shares Change	snapshot only																				10.49%
Dividend Growth	snapshot only																				11.79%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	0.8%	1.3%	2.1%	5.4%	5.5%	6.6%	8.7%	12.4%	12.7%	12.1%	10.0%	6.5%	4.9%	3.3%	1.5%	-2.6%	-2.3%	-2.5%	-1.6%	-0.5%	-0.49%
Revenue 5Y	3.1%	3.4%	4.3%	6.6%	6.3%	6.5%	6.8%	6.8%	6.7%	6.3%	4.6%	2.7%	2.4%	2.1%	2.5%	3.2%	3.5%	3.7%	5.1%	6.4%	6.39%
EPS 3Y	2.3%	0.4%	1.8%	-6.4%	-4.9%	-4.2%	-4.4%	7.6%	8.0%	10.9%	9.2%	7.8%	8.3%	8.7%	7.6%	6.6%	4.4%	2.1%	3.3%	4.3%	4.33%
EPS 5Y	6.3%	3.9%	3.9%	3.4%	4.3%	5.4%	5.7%	4.8%	4.1%	4.1%	4.9%	0.4%	0.2%	-0.1%	-0.3%	5.8%	6.2%	6.5%	5.8%	5.5%	5.47%
Net Income 3Y	2.8%	2.0%	3.0%	-4.1%	-2.6%	-1.9%	-2.2%	10.2%	10.6%	13.8%	12.0%	10.4%	10.9%	10.1%	9.3%	7.0%	4.8%	4.2%	6.6%	8.3%	8.31%
Net Income 5Y	7.8%	6.1%	5.9%	6.2%	7.0%	8.1%	7.4%	6.4%	5.8%	5.9%	6.5%	1.9%	1.8%	1.4%	1.3%	7.6%	8.0%	9.3%	9.3%	9.3%	9.26%
EBITDA 3Y	3.5%	3.2%	4.3%	0.9%	0.9%	1.4%	1.7%	7.2%	8.2%	9.3%	9.3%	8.7%	9.0%	8.6%	8.7%	8.8%	9.3%	9.8%	11.3%	11.8%	11.78%
EBITDA 5Y	4.6%	3.8%	3.6%	3.5%	3.4%	4.2%	3.8%	4.7%	5.2%	5.4%	6.3%	4.5%	4.6%	4.4%	4.7%	7.9%	8.5%	9.5%	9.9%	9.9%	9.95%
Gross Profit 3Y	3.9%	3.5%	4.0%	4.1%	4.1%	4.5%	4.6%	6.0%	6.2%	6.9%	6.9%	6.5%	6.7%	6.5%	6.7%	7.0%	7.4%	7.8%	9.4%	10.2%	10.25%
Gross Profit 5Y	4.9%	4.4%	4.2%	4.1%	4.0%	4.7%	4.2%	4.5%	4.6%	4.4%	4.9%	5.2%	5.3%	5.4%	5.9%	6.7%	7.0%	7.8%	8.1%	8.3%	8.32%
Op. Income 3Y	2.3%	1.8%	3.0%	3.7%	3.4%	3.5%	3.3%	5.4%	6.0%	7.6%	6.8%	5.9%	6.3%	5.6%	5.2%	4.9%	4.8%	5.2%	7.9%	9.6%	9.62%
Op. Income 5Y	5.5%	4.2%	3.6%	3.4%	3.3%	3.8%	2.9%	3.3%	3.2%	3.2%	4.1%	5.0%	4.7%	4.2%	4.4%	5.2%	5.7%	6.8%	7.2%	7.5%	7.51%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	5.7%	5.9%	11.2%	0.5%	2.6%	-2.1%	-2.3%	-4.1%	-0.7%	2.3%	12.2%	7.4%	6.0%	10.6%	5.3%	19.3%	15.0%	12.1%	10.4%	15.5%	15.51%
OCF 5Y	9.5%	7.6%	9.6%	-0.5%	0.7%	3.3%	2.5%	1.7%	0.6%	2.8%	6.4%	6.1%	6.8%	5.4%	3.7%	9.8%	9.5%	8.7%	11.6%	6.2%	6.25%
Assets 3Y	7.0%	7.0%	5.9%	5.9%	5.9%	5.9%	4.0%	4.0%	4.0%	4.0%	3.2%	3.2%	3.2%	3.2%	5.2%	5.2%	5.2%	5.2%	10.5%	10.5%	10.54%
Assets 5Y	7.8%	7.8%	6.4%	6.4%	6.4%	6.4%	5.1%	5.1%	5.1%	5.1%	5.2%	5.2%	5.2%	5.2%	4.9%	4.9%	4.9%	4.9%	7.2%	7.2%	7.16%
Equity 3Y	4.9%	4.9%	8.5%	8.5%	8.5%	8.5%	7.5%	7.5%	7.5%	7.5%	7.9%	7.9%	7.9%	7.9%	4.5%	4.5%	4.5%	4.5%	9.2%	9.2%	9.24%
Book Value 3Y	4.5%	3.3%	7.2%	5.9%	5.9%	5.9%	4.9%	4.9%	4.9%	4.7%	5.3%	5.4%	5.4%	6.6%	3.0%	4.1%	4.1%	2.5%	5.8%	5.2%	5.23%
Dividend 3Y	0.1%	-0.2%	0.3%	-0.5%	0.3%	0.1%	-0.3%	-0.8%	-1.2%	-1.5%	-1.0%	-0.8%	-0.8%	0.5%	0.1%	1.4%	1.5%	0.0%	-0.2%	-0.0%	-0.03%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.52	0.59	0.62	0.60	0.64	0.67	0.69	0.67	0.70	0.72	0.68	0.48	0.45	0.40	0.40	0.20	0.21	0.20	0.33	0.33	0.326
Earnings Stability	0.36	0.27	0.34	0.25	0.26	0.26	0.30	0.23	0.21	0.22	0.28	0.29	0.28	0.29	0.30	0.95	0.93	0.91	0.98	0.94	0.938
Margin Stability	0.95	0.97	0.96	0.94	0.95	0.95	0.94	0.91	0.92	0.93	0.93	0.90	0.90	0.90	0.90	0.86	0.86	0.86	0.87	0.87	0.874
Rev. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.500
FCF Positive Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earnings Persistence	0.96	0.93	0.95	0.97	0.94	0.93	0.94	0.95	0.98	0.97	0.96	0.96	0.95	0.97	0.98	0.99	0.99	1.00	0.97	0.93	0.928
Earnings Smoothness	0.90	0.84	0.89	0.92	0.86	0.84	0.86	0.87	0.94	0.93	0.91	0.91	0.89	0.94	0.96	0.98	0.97	1.00	0.94	0.84	0.835
ROE Trend	-0.01	-0.01	-0.02	-0.00	0.00	0.01	0.01	0.00	0.00	0.00	0.01	0.01	0.01	0.00	0.00	-0.00	-0.00	-0.00	-0.01	-0.00	-0.004
Gross Margin Trend	0.02	0.01	-0.01	-0.05	-0.04	-0.04	-0.05	-0.05	-0.04	-0.03	0.01	0.06	0.07	0.08	0.08	0.08	0.08	0.08	0.05	0.01	0.010
FCF Margin Trend	0.03	0.03	0.06	0.01	0.02	0.03	0.02	-0.02	-0.04	-0.03	-0.03	0.02	0.02	-0.01	-0.04	-0.01	-0.03	-0.03	-0.03	-0.04	-0.044
Sustainable Growth Rate	3.3%	3.1%	3.0%	3.5%	3.9%	3.9%	3.6%	4.1%	3.9%	4.0%	4.0%	4.6%	4.5%	4.1%	3.9%	3.9%	3.7%	3.6%	3.6%	4.4%	4.38%
Internal Growth Rate	0.9%	0.8%	0.8%	1.0%	1.1%	1.1%	1.1%	1.2%	1.1%	1.2%	1.2%	1.4%	1.3%	1.2%	1.1%	1.1%	1.1%	1.0%	1.0%	1.3%	1.26%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	2.87	2.75	2.99	2.30	2.31	2.29	2.36	1.91	2.06	2.12	2.37	2.45	2.50	2.79	2.67	3.19	3.05	2.85	2.62	2.31	2.313
FCF/OCF	-0.14	-0.14	-0.07	-0.30	-0.25	-0.23	-0.25	-0.54	-0.51	-0.42	-0.32	-0.17	-0.16	-0.24	-0.35	-0.20	-0.29	-0.37	-0.41	-0.43	-0.430
FCF/Net Income	snapshot only																				-0.995
OCF/EBITDA	snapshot only																				0.618
CapEx/Revenue	26.4%	24.5%	24.3%	22.1%	22.3%	21.4%	21.7%	21.8%	22.6%	22.6%	25.3%	27.0%	27.6%	32.6%	34.3%	37.4%	37.6%	36.5%	34.5%	31.8%	31.76%
CapEx/Depreciation	snapshot only																				2.048
Accruals Ratio	-0.05	-0.04	-0.05	-0.03	-0.03	-0.03	-0.04	-0.03	-0.03	-0.03	-0.04	-0.04	-0.04	-0.05	-0.05	-0.06	-0.06	-0.05	-0.04	-0.04	-0.037
Sloan Accruals	snapshot only																				-0.120
Cash Flow Adequacy	snapshot only																				0.598
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	3.3%	4.0%	3.8%	3.4%	2.9%	3.7%	3.4%	3.0%	3.4%	4.0%	3.3%	3.3%	3.4%	2.9%	3.3%	3.1%	3.4%	3.6%	3.5%	3.3%	3.57%
Dividend/Share	$1.52	$1.50	$1.53	$1.51	$1.54	$1.56	$1.57	$1.58	$1.60	$1.60	$1.63	$1.65	$1.66	$1.69	$1.70	$1.73	$1.75	$1.70	$1.71	$1.75	$1.85
Payout Ratio	64.2%	65.9%	65.4%	62.3%	60.4%	60.4%	60.6%	57.5%	59.1%	58.4%	58.0%	54.9%	55.4%	57.9%	58.4%	59.1%	60.3%	61.8%	60.0%	56.0%	55.99%
FCF Payout Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Payout Ratio	64.2%	65.9%	65.4%	62.3%	60.4%	60.4%	60.6%	57.5%	59.1%	58.4%	58.0%	54.9%	55.4%	57.9%	58.4%	59.1%	60.3%	61.8%	60.0%	56.0%	55.99%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.05	0.08	0.08	0.09	0.11	0.11	0.10	0.08	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.09	0.09	0.10	0.13	0.15	0.151
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-0.2%	-7.9%	-7.3%	-6.4%	-5.4%	-0.1%	-0.1%	-0.1%	-0.1%	-0.2%	-0.1%	-0.1%	-0.1%	-0.1%	-0.1%	-0.1%	-0.3%	-9.2%	-8.6%	-7.9%	-7.86%
Total Shareholder Return	3.2%	-3.9%	-3.5%	-3.0%	-2.5%	3.6%	3.2%	2.9%	3.3%	3.9%	3.2%	3.2%	3.2%	2.8%	3.1%	3.0%	3.1%	-5.6%	-5.1%	-4.5%	-4.51%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.75	0.76	0.76	0.76	0.78	0.78	0.79	0.78	0.77	0.78	0.77	0.77	0.77	0.78	0.77	0.77	0.77	0.77	0.77	0.76	0.760
Interest Burden (EBT/EBIT)	0.64	0.63	0.64	0.66	0.66	0.66	0.65	0.65	0.64	0.63	0.63	0.63	0.63	0.62	0.64	0.63	0.62	0.60	0.60	0.62	0.619
EBIT Margin	0.17	0.16	0.16	0.15	0.15	0.15	0.14	0.15	0.15	0.15	0.17	0.19	0.20	0.19	0.19	0.20	0.20	0.20	0.20	0.20	0.204
Asset Turnover	0.30	0.31	0.31	0.34	0.35	0.35	0.36	0.38	0.38	0.38	0.34	0.32	0.31	0.30	0.29	0.28	0.29	0.29	0.27	0.30	0.295
Equity Multiplier	3.83	3.83	3.65	3.65	3.65	3.65	3.42	3.42	3.42	3.42	3.41	3.41	3.41	3.41	3.46	3.46	3.46	3.46	3.51	3.51	3.514

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$2.37	$2.27	$2.34	$2.42	$2.56	$2.59	$2.59	$2.75	$2.71	$2.75	$2.81	$3.00	$3.01	$2.92	$2.92	$2.93	$2.91	$2.76	$2.85	$3.12	$3.12
Book Value/Share	$25.95	$25.11	$29.05	$28.03	$28.03	$28.03	$29.23	$29.23	$29.23	$29.04	$30.44	$30.39	$30.39	$30.39	$31.72	$31.64	$31.64	$30.18	$34.65	$34.06	$35.53
Tangible Book/Share	$25.95	$25.11	$29.05	$28.03	$28.03	$28.03	$29.23	$29.23	$29.23	$29.04	$30.44	$30.39	$30.39	$30.39	$31.72	$31.64	$31.64	$30.18	$34.41	$33.82	$33.82
Revenue/Share	$29.31	$29.06	$30.66	$32.94	$33.09	$33.84	$35.20	$36.92	$37.21	$36.58	$34.65	$32.02	$31.55	$30.86	$30.63	$30.06	$30.48	$29.56	$30.47	$32.52	$32.52
FCF/Share	$-0.97	$-0.89	$-0.47	$-1.69	$-1.46	$-1.34	$-1.53	$-2.81	$-2.83	$-2.44	$-2.11	$-1.29	$-1.19	$-1.93	$-2.72	$-1.91	$-2.60	$-2.93	$-3.06	$-3.11	$-3.11
OCF/Share	$6.79	$6.24	$6.98	$5.58	$5.90	$5.91	$6.11	$5.24	$5.57	$5.82	$6.66	$7.35	$7.52	$8.13	$7.79	$9.35	$8.87	$7.84	$7.46	$7.22	$7.22
Cash/Share	$0.40	$0.39	$0.42	$0.41	$0.41	$0.41	$0.56	$0.56	$0.56	$0.56	$0.40	$0.40	$0.40	$0.40	$0.39	$0.39	$0.39	$0.37	$0.89	$0.87	$0.94
EBITDA/Share	$8.77	$8.52	$8.69	$8.62	$8.72	$8.88	$8.97	$9.36	$9.58	$9.68	$10.00	$10.39	$10.57	$10.50	$10.66	$10.97	$11.24	$11.07	$11.25	$11.69	$11.69
Debt/Share	$39.46	$38.19	$36.93	$35.63	$35.63	$35.63	$38.51	$38.51	$38.51	$38.27	$42.40	$42.34	$42.34	$42.34	$46.79	$46.65	$46.65	$44.51	$53.36	$52.44	$52.44
Net Debt/Share	$39.06	$37.80	$36.51	$35.23	$35.23	$35.23	$37.95	$37.94	$37.94	$37.71	$41.99	$41.93	$41.93	$41.93	$46.40	$46.27	$46.27	$44.14	$52.47	$51.57	$51.57

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.839
Altman Z-Prime	snapshot only																				0.733
Piotroski F-Score	7	7	6	6	7	6	6	7	8	7	6	6	6	7	7	6	6	6	4	6	6
Beneish M-Score	-2.52	-2.54	-2.22	-2.07	-2.18	-2.19	-2.57	-2.58	-2.63	-2.66	-2.82	-2.84	-2.81	-2.83	-2.71	-2.79	-2.73	-2.72	-2.53	-2.50	-2.504
Ohlson O-Score	snapshot only																				-5.747
ROIC (Greenblatt)	snapshot only																				7.34%
Net-Net WC	snapshot only																				$-72.54
EVA	snapshot only																				$-69040244.57

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				B
Credit Score	34.35	33.88	33.75	34.09	33.19	33.83	29.95	30.05	29.68	32.65	29.06	29.19	28.72	28.74	32.64	32.11	31.42	30.51	27.22	27.09	27.095
Credit Grade	snapshot only																				15
Credit Trend	snapshot only																				-5.016
Implied Spread (bps)	snapshot only																				750.000
Industry Credit Rank	snapshot only																				21
Sector Credit Rank	snapshot only																				26

UTL NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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