WallStSmart

NiSource Inc (NI)vsRGC Resources Inc (RGCO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NiSource Inc generates 6258% more annual revenue ($6.82B vs $107.30M). NI leads profitability with a 14.1% profit margin vs 13.0%. RGCO appears more attractively valued with a PEG of 1.30. RGCO earns a higher WallStSmart Score of 65/100 (B-).

NI

Buy

60

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 4.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.58

RGCO

Strong Buy

65

out of 100

Grade: B-

Growth: 6.0Profit: 7.0Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: 0.90

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NI2 strengths · Avg: 9.0/10
Operating MarginProfitability
34.8%10/10

Strong operational efficiency at 34.8%

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

RGCO4 strengths · Avg: 8.0/10
P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.2%8/10

Strong operational efficiency at 25.2%

Revenue GrowthGrowth
24.7%8/10

Revenue surging 24.7% year-over-year

Areas to Watch

NI4 concerns · Avg: 2.3/10
Debt/EquityHealth
1.743/10

Elevated debt levels

PEG RatioValuation
2.692/10

Expensive relative to growth rate

Free Cash FlowQuality
$-362.90M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.582/10

Distress zone — elevated risk

RGCO3 concerns · Avg: 2.7/10
Market CapQuality
$246.23M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.193/10

Elevated debt levels

Altman Z-ScoreHealth
0.902/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NI

The strongest argument for NI centers on Operating Margin, Price/Book.

Bull Case : RGCO

The strongest argument for RGCO centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 24.7% demonstrates continued momentum. PEG of 1.30 suggests the stock is reasonably priced for its growth.

Bear Case : NI

The primary concerns for NI are Debt/Equity, PEG Ratio, Free Cash Flow. Debt-to-equity of 1.74 is elevated, increasing financial risk.

Bear Case : RGCO

The primary concerns for RGCO are Market Cap, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

NI profiles as a value stock while RGCO is a growth play — different risk/reward profiles.

NI carries more volatility with a beta of 0.55 — expect wider price swings.

RGCO is growing revenue faster at 24.7% — sustainability is the question.

RGCO generates stronger free cash flow (11M), providing more financial flexibility.

Bottom Line

RGCO scores higher overall (65/100 vs 60/100) and 24.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

NiSource Inc

UTILITIES · UTILITIES - REGULATED GAS · USA

NiSource Inc. is one of the largest fully regulated utility companies in the United States. The company is based in Merrillville, Indiana.

RGC Resources Inc

UTILITIES · UTILITIES - REGULATED GAS · USA

RGC Resources, Inc. is an energy services company. The company is headquartered in Roanoke, Virginia.

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