debt_leverage_profile
0.00x Total Debt / Equity (Conservative)
High
SEC-XBRL
interest_rate_sensitivity
A 200bps rate increase raises annual interest expense ~$4–6M given ~$200M long-term debt; rate-regulated ROE partially offsets via allowed return adjustments.
Inferred
Agent_Inference
geopolitical_supply_exposure
High intensity; European gas dependency on Russia exposed structural energy security vulnerabilities.
Medium
GICS-commodity-overlay-v1
supply_chain_dependency
Not applicable; York Water is a domestic regulated water utility with no meaningful geopolitical supply chain chokepoints.
Inferred
Agent_Inference
international_expansion_readiness
null
Inferred
Agent_Inference
geographic_footprint
100% domestic (south-central Pennsylvania); zero sovereign currency devaluation exposure; no international revenue markets.
Inferred
Agent_Inference
commodity_exposure_profile
High intensity; commodities: Natural Gas, Coal, Uranium, Crude Oil, Copper (grid), Lithium (storage); geopolitical: European gas dependency on Russia exposed structural energy security vulnerabilities.
Medium
GICS-commodity-overlay-v1
vendor_lock_dependency_score
No single vendor exceeds 30% of operational input cost; chemical and equipment suppliers are regionally diversified and substitutable.
Inferred
Agent_Inference
business_model_type_primary
Not applicable; York Water operates physical water infrastructure with no material cloud dependency—account termination would have negligible operational impact.
Inferred
Agent_Inference
business_model_type_secondary
null
Inferred
Agent_Inference
switching_cost_profile
Near-zero API coupling risk; operations rely on SCADA/OT systems, not third-party APIs; switching cost is capital-intensive infrastructure, not software lock-in.
Inferred
Agent_Inference
howey_test_risk_index
Fails Howey Test; revenue derives from regulated water/wastewater utility tariffs, not passive investment returns—no securities classification risk.
Inferred
Agent_Inference
regulatory_burden_tier
Very High
Medium
GICS-regulatory-overlay-v1
data_sovereignty_risk
Minimal GDPR exposure (no EU operations); CCPA exposure low given ~85,000 residential customers in Pennsylvania with limited personal data processing.
Inferred
Agent_Inference
antitrust_exposure_flag
Low antitrust risk; operates as state-regulated natural monopoly under Pennsylvania PUC oversight—regulatory framework substitutes for competitive market discipline.
Inferred
Agent_Inference
regulatory_exposure_profile
Very High burden; regimes: FERC, NERC, EPA, NRC, State PUCs, DOE; Rate-case lag and clean-energy mandates compress returns on regulated asset base.
Medium
GICS-regulatory-overlay-v1
revenue_model_type
~95%+ recurring via PUC-approved volumetric tariffs and fixed customer charges under multi-year rate cases; transactional revenue negligible.
Inferred
Agent_Inference
monetization_vector
Regulated volumetric water/wastewater tariffs billed monthly; revenue per customer set by Pennsylvania PUC rate orders.
Inferred
Agent_Inference
pricing_architecture
Cost-of-service rate base model; prices set by PUC every 3–5 years; limited downside stress but also limited upside—pricing is formulaic and legally constrained.
Inferred
Agent_Inference
pricing_power_rating
Moderate-high; automatic rate adjustment mechanisms (DSIC) allow interim increases; full rate cases historically granted reasonable returns (~9–10% ROE).
Inferred
Agent_Inference
target_gross_margin_bracket
Gross margin approximately 55–65%; operating margin ~30–35%; capital-intensive utility model with significant D&A and infrastructure maintenance costs.
Inferred
Agent_Inference
churn_vulnerability_index
No free-rider risk; water service is metered and billed; involuntary churn (customer disconnection) is negligible given essential-service monopoly status.
Inferred
Agent_Inference
headcount_cost_structure
Revenue growth is largely capital-linear, not headcount-linear; doubling revenue via rate base expansion requires more capex than proportional headcount increases.
Inferred
Agent_Inference
marginal_cost_of_growth
Sublinear headcount scaling; incremental revenue from rate base additions requires capital investment but minimal new FTEs—marginal cost of growth is primarily capex.
Inferred
Agent_Inference
franchise_compliance_risk
Not applicable; York Water is not a franchise business—it operates under a PUC certificate of public convenience, not a franchise network model.
Inferred
Agent_Inference
customer_acquisition_metric
At 10x scale (improbable organically), unit economics remain regulated-return constrained; customer acquisition cost is effectively zero—growth via annexation/acquisition at regulated rates.
Inferred
Agent_Inference
network_effect_present
No network effects; water utility demand is population-density driven, not user-to-user value creation—service quality does not improve with more customers.
Inferred
Agent_Inference
asset_efficiency_ratio
2.8% Return on Assets (Excellent)
High
SEC-XBRL
recession_resistance_tier
Tier 1 recession resistant; water is essential, non-discretionary; York Water maintained stable revenue and dividends through 2008–09 and COVID-19 downturns.
Inferred
Agent_Inference
customer_segment_primary
Residential customers (~75–80% of revenue); ~85,000 service connections in York County, PA; no single customer represents material concentration risk.
Inferred
Agent_Inference
customer_segment_secondary
Commercial and industrial customers (~15–20% of revenue); diversified across local manufacturing, healthcare, and retail sectors; no customer exceeds ~5% of revenue.
Inferred
Agent_Inference
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "17-0000 Architecture and Engineering Occupations", "23-0000 Legal Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations", "47-0000 Construction and Extraction Occupations", "49-0000 Installation, Maintenance, and Repair Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.34 (HIL — ~34% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v1
capital_expenditure_profile
21.9% CapEx / Revenue (High-CapEx Infrastructure)
High
SEC-XBRL
sec_cik
0000108985
High
SEC-EDGAR
ticker
YORW
High
SEC-EDGAR