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NASDAQ NMS - GLOBAL MARKET · Utilities · CIK 0001069533
$22.10
-2.51% · live
Updated
$228.5M market value
From RGC RESOURCES INC's FY2025 10-K, filed Dec 4, 2025 · read the filing
RGC RESOURCES supplies electricity, gas or water. It took in $93.9M last year, which makes it a small company. Of every dollar it sells, about 14 cents is left as profit.
The financial picture is led by profitability and growth, while debt remain weak.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
A published bankruptcy-risk model places it in its distress range. This is a statistical reading, not a forecast.
Altman Z-Score 1.06
These are things the company filed or that a published model flagged — not predictions, and not a reason on their own to buy or sell anything.
Financial health
Generally healthy, with a few things to watch.
From RGC RESOURCES INC's FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Free cash flow
-$4.7M → $8.2M
Cash
$894.2K → $2.3M
Revenue
$80.5M → $93.9M
Operating income
$17.1M → $18.4M
Measured against FY2024, from the 10-K filed Dec 4, 2025
Improved: turned positive
-$4.7M to $8.2MCritical
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
How the latest move compares (quote live), and what was published around it
RGCO fell 2.51% on the latest quote. The average Utilities company tracked here moved +1.72%, and the S&P 500 −1.04%. That is 4.2 points below its sector and 1.5 points below the market.
No filing from RGCO and no news item about it appeared in the last 3 days.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
The growth rate someone buying today is paying for, against what the company has delivered
At today's price, the market is paying for free cash flow to grow by about 17% a year for the next 10 years. Over the last 10 years it grew by about 11% a year.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 14 cents of every dollar of sales as profit, earning $13.3M last year.
Yes, quickly. Sales grew 16.6% last year.
Manageable, but notable. Clearing its debt would take about 5.1 years of cash flow. For every $1 it owes, it owns $1.53 in assets. A bankruptcy-risk model also places it in its distress range.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It pays out 64 cents of every dollar of profit and keeps the rest, which leaves the payment comfortably covered. It paid out 29% of the cash its operations generated. It has paid in each of the last 12 years.
GoodNext payment expected around , projected from how regularly it has paid before rather than from a date the company has announced.
Figures from the FY2025 annual filing
Last year it earned $13.3M and generated $28.9M of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Dec 4, 2025Filing for FY2025 | FY202410-K · Dec 5, 2024Filing for FY2024 | FY202310-K · Dec 1, 2023Filing for FY2023 | FY202210-K · Dec 2, 2022Filing for FY2022 | FY202110-K · Dec 2, 2021Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $93.9M | $80.5M | $94.4M | $82.4M | $73.9M | +16.6% |
| Operating income | $18.4M | $17.1M | $17.7M | $14.9M | $14.8M | +8.0% |
| Operating marginOperating income ÷ revenueWhat is this? | 19.6% | 21.2% | 18.7% | 18.1% | 20.0% | −1.6 pts |
| Interest expense | $6.5M | $6.5M | $5.6M | $4.5M | $4.1M | +0.6% |
| Income before tax | $17.4M | $15.5M | $14.8M | -$43.1M | $13.3M | +12.4% |
| Net income | $13.3M | $11.8M | $11.3M | -$31.7M | $10.1M | +12.9% |
| Net marginNet income ÷ revenueWhat is this? | 14.1% | 14.6% | 12.0% | -38.5% | 13.7% | −0.5 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $1.28 | $1.15 | $1.13 | $-3.23 | $1.21 | +12.0% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| RGCORGC RESOURCES INC · this page | 7.3/10 | 7/8 | 16.6% | 14.1% |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Was granted or awarded shares — 262 shares at $21.59 ($5.6K)
Holds 23,476 shares after this filing.
Was granted or awarded shares — 313 shares at $21.59 ($6.8K)
Holds 71,447 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Made a Regulation FD disclosure
Read the filingMade a Regulation FD disclosure
Read the filingWrite down why you are following RGC RESOURCES INC, what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
Coverage from the last 30 days
RGC Resources, Inc. Declares Quarterly Dividend
Yahoo Finance ·
RGC Resources (RGCO) Q3 2026 Earnings Call Transcript
Yahoo Finance ·
RGC Resources Inc (RGCO) (Q3 2026) Earnings Call Highlights: Navigating Rate Case Wins and LNG ...
Yahoo Finance ·
RGC Resources Q3 Earnings Call Highlights
Yahoo Finance ·
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from RGCO's 10-K for fiscal year 2025 (period ending 2025-09-30, filed Dec 4, 2025), reported under the US GAAP taxonomy. View the source filing. Total liabilities were not tagged directly and were calculated as assets minus equity.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 8 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 7.3 | 7/8 | 10-K, filed Dec 4, 2025 |
| FY2024 | 3.3 | 5/8 | 10-K, filed Dec 5, 2024 |
| FY2023 | 4.7 | 7/8 | 10-K, filed Dec 1, 2023 |
| FY2022 | 3.3 | 4/8 | 10-K, filed Dec 2, 2022 |
| FY2021 | 6.0 | 6/8 | 10-K, filed Dec 2, 2021 |
| FY2020 | 3.3 | 6/8 | 10-K, filed Dec 3, 2020 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
7 of 8 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. One could not be evaluated and is excluded from the total rather than counted as a failure.
1.06
In the distress zone
For this model, above 2.6 is safe and below 1.1 is distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — This company has not reported enough of the required figures to calculate this score.
This company has not reported enough of the required figures to calculate this score.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Improved: +159.5%
$894.2K to $2.3MCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: +16.6%
$80.5M to $93.9MSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: +8.0%
$17.1M to $18.4MNotable
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: +12.9%
$11.8M to $13.3MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: −1.6 pts
21.2% to 19.6%Notable
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Improved: +12.0%
$1.15 to $1.28Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: +6.7%
$136.7M to $145.8MNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Changed: -6.2%
$22.1M to $20.7MNotable
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Q3 FY2026 against Q3 FY2025, from the 10-Q filed Aug 6, 2026 — read it.
Improved: +16.3%
$2.1M to $2.5MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Q3 FY2026 against Q2 FY2026, from the 10-Q filed Aug 6, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Deteriorated: -63.1%
$45.2M to $16.7MCritical
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Deteriorated: -89.6%
$11.3M to $1.2MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Deteriorated: -93.6%
$8.7M to $558.9KCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: −17.9 pts
25.0% to 7.0%Critical
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Deteriorated: −16.0 pts
19.4% to 3.4%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: -93.6%
$0.84 to $0.05Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -27.1%
$3.4M to $2.5MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: +12.9%
$128.9M to $145.6MNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
3 other measures barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
Discounted at 8%–10% a year, with growth settling to 2.5% after 10 years. Those rates are ordinary choices, not measurements: across that range the assumed growth works out between 14% and 19%. This describes what the price implies — it is not a forecast, and not a view on whether the price is right.
Opinions from 8 analysts covering this company, as of . Their views, not this site's.
Of 8 analysts publishing on this company, 2 say strong buy, 4 say buy and 2 say hold. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 1.1% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 15.5x — investors pay $15.5 for each $1 of trailing profit.
This company has not reported enough of the required figures to calculate this score.
| 17.20x |
| 1.90x |
| ATOATMOS ENERGY CORP | 6.0/10 | 5/8 | 12.9% | 25.5% | 23.44x | 1.08x |
|---|
| Median of peers | 6.0/10 | — | 12.9% | 25.5% | 23.44x | 1.08x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Was granted or awarded shares — 123 shares at $21.59 ($2.7K)
Holds 15,113 shares after this filing.
Was granted or awarded shares — 242 shares at $21.59 ($5.2K)
Holds 15,593 shares after this filing.
Was granted or awarded shares — 242 shares at $21.59 ($5.2K)
Holds 5,555 shares after this filing.
Bought on the open market — 5 shares at $21.59 ($100.00)
Holds 9,947 shares after this filing.
Bought on the open market — 9 shares at $21.59 ($200.01)
Holds 30,165 shares after this filing.
Bought on the open market — 300 shares at $21.08 ($6.3K)
Holds 134,513 shares after this filing.
Estimated from how often this has happened before, not a confirmed date.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Quarterly report for Q3 FY2026
Cash +16.3% — against Q3 FY2025
Published results · Reported another event
Read the filingSigned a material agreement · Took on a direct financial obligation
Read the filingMade a Regulation FD disclosure
Read the filingMade a Regulation FD disclosure
Read the filingQuarterly report for Q2 FY2026
Revenue +23.9% · Operating margin −3.5 pts · Cash +57.6% — against Q2 FY2025
Read the filingPublished results · Reported another event
Read the filingSigned a material agreement · Took on a direct financial obligation
Read the filingSigned a material agreement · Took on a direct financial obligation
Read the filingMade a Regulation FD disclosure
Read the filingQuarterly report for Q1 FY2026
Revenue +13.9% · Operating margin −5.9 pts · Profit margin −3.7 pts — against Q1 FY2024
Read the filingPublished results · Reported another event
Read the filingHeld a shareholder vote · Reported another event
Read the filingProxy statement for a shareholder meeting
Read the filingMade a Regulation FD disclosure
Read the filingAnnual report for FY2025
Revenue +16.6% · Operating margin −1.6 pts · Free cash flow turned positive — against FY2024
Read the filingPublished results · Reported another event
Read the filingSigned a material agreement · Took on a direct financial obligation
Read the filingRGC Resources, Inc. Reports Third Quarter Earnings
Yahoo Finance ·
Primary sources and further research