H2O America (HTO)vsTXNM Energy, Inc. (TXNM)
HTO
H2O America
$57.97
+1.42%
UTILITIES · Cap: $2.39B
TXNM
TXNM Energy, Inc.
$58.99
-0.42%
UTILITIES · Cap: $6.56B
Smart Verdict
WallStSmart Research — data-driven comparison
TXNM Energy, Inc. generates 168% more annual revenue ($2.19B vs $816.28M). HTO leads profitability with a 12.9% profit margin vs 6.7%. HTO appears more attractively valued with a PEG of 2.55. HTO earns a higher WallStSmart Score of 57/100 (C).
HTO
Buy57
out of 100
Grade: C
TXNM
Hold49
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+32.5%
Fair Value
$76.99
Current Price
$57.97
$19.02 discount
Margin of Safety
-10.8%
Fair Value
$53.56
Current Price
$58.99
$5.43 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 21.5%
Reasonable price relative to book value
Areas to Watch
0.0% earnings growth
ROE of 6.5% — below average capital efficiency
Expensive relative to growth rate
Negative free cash flow — burning cash
4.6% revenue growth
ROE of 5.4% — below average capital efficiency
6.7% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HTO
The strongest argument for HTO centers on Price/Book, Operating Margin.
Bull Case : TXNM
The strongest argument for TXNM centers on Price/Book.
Bear Case : HTO
The primary concerns for HTO are EPS Growth, Return on Equity, PEG Ratio.
Bear Case : TXNM
The primary concerns for TXNM are Revenue Growth, Return on Equity, Profit Margin. A P/E of 42.0x leaves little room for execution misses.
Key Dynamics to Monitor
HTO carries more volatility with a beta of 0.34 — expect wider price swings.
HTO is growing revenue faster at 9.4% — sustainability is the question.
HTO generates stronger free cash flow (-49M), providing more financial flexibility.
Monitor UTILITIES - REGULATED WATER industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HTO scores higher overall (57/100 vs 49/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
H2O America
UTILITIES · UTILITIES - REGULATED WATER · USA
H2O America, provides water utility and other related services in the United States. The company is headquartered in San Jose, California.
TXNM Energy, Inc.
UTILITIES · UTILITIES - REGULATED ELECTRIC · USA
TXNM Energy, Inc., provides electricity and electric services in the United States. The company is headquartered in Albuquerque, New Mexico.
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