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Side-by-side financial comparison of Ares Commercial Real Estate Corp (ACRE) and YORK WATER CO (YORW). Click either name above to swap in a different company.
YORK WATER CO is the larger business by last-quarter revenue ($19.4M vs $13.2M, roughly 1.5× Ares Commercial Real Estate Corp). YORK WATER CO runs the higher net margin — 26.7% vs -29.2%, a 55.9% gap on every dollar of revenue. On growth, YORK WATER CO posted the faster year-over-year revenue change (3.2% vs -24.5%). Over the past eight quarters, YORK WATER CO's revenue compounded faster (5.1% CAGR vs -15.9%).
Ares Commercial Real Estate Corp is a specialty finance company focused on the commercial real estate sector. It offers a full suite of customized financing solutions including senior mortgage loans, subordinated debt and preferred equity, primarily serving middle-market commercial property owners and operators across the United States.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
ACRE vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.2M | $19.4M |
| Net Profit | $-3.9M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | -29.2% | 33.2% |
| Net Margin | -29.2% | 26.7% |
| Revenue YoY | -24.5% | 3.2% |
| Net Profit YoY | 63.8% | 0.5% |
| EPS (diluted) | — | $0.36 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $13.2M | $19.4M | ||
| Q3 25 | $14.1M | $20.2M | ||
| Q2 25 | $12.6M | $19.1M | ||
| Q1 25 | $14.9M | $18.3M | ||
| Q4 24 | $17.5M | $18.8M | ||
| Q3 24 | $16.7M | $19.6M | ||
| Q2 24 | $16.8M | $18.6M | ||
| Q1 24 | $18.7M | $17.5M |
| Q4 25 | $-3.9M | $5.2M | ||
| Q3 25 | $4.7M | $6.2M | ||
| Q2 25 | $-11.0M | $5.1M | ||
| Q1 25 | $9.3M | $3.6M | ||
| Q4 24 | $-10.7M | $5.1M | ||
| Q3 24 | $-5.9M | $5.9M | ||
| Q2 24 | $-6.1M | $5.0M | ||
| Q1 24 | $-12.3M | $4.3M |
| Q4 25 | -29.2% | 33.2% | ||
| Q3 25 | 33.0% | 39.1% | ||
| Q2 25 | -87.8% | 37.1% | ||
| Q1 25 | 64.4% | 34.3% | ||
| Q4 24 | -61.0% | 35.8% | ||
| Q3 24 | -35.3% | 41.1% | ||
| Q2 24 | -36.5% | 37.9% | ||
| Q1 24 | -65.9% | 35.5% |
| Q4 25 | -29.2% | 26.7% | ||
| Q3 25 | 33.0% | 30.6% | ||
| Q2 25 | -87.8% | 26.5% | ||
| Q1 25 | 62.5% | 19.8% | ||
| Q4 24 | -60.9% | 27.4% | ||
| Q3 24 | -35.3% | 29.9% | ||
| Q2 24 | -36.5% | 26.8% | ||
| Q1 24 | -65.9% | 24.7% |
| Q4 25 | — | $0.36 | ||
| Q3 25 | — | $0.43 | ||
| Q2 25 | — | $0.35 | ||
| Q1 25 | — | $0.25 | ||
| Q4 24 | — | $0.36 | ||
| Q3 24 | — | $0.41 | ||
| Q2 24 | — | $0.35 | ||
| Q1 24 | — | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $29.3M | $1.0K |
| Total DebtLower is stronger | $948.2M | — |
| Stockholders' EquityBook value | $509.6M | $240.3M |
| Total Assets | $1.6B | $680.9M |
| Debt / EquityLower = less leverage | 1.86× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $29.3M | $1.0K | ||
| Q3 25 | $84.9M | $1.0K | ||
| Q2 25 | $90.0M | $1.0K | ||
| Q1 25 | $125.5M | $1.0K | ||
| Q4 24 | $63.8M | $1.0K | ||
| Q3 24 | $68.9M | $1.0K | ||
| Q2 24 | $70.6M | $1.0K | ||
| Q1 24 | $99.5M | $3.3M |
| Q4 25 | $948.2M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $718.5M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $509.6M | $240.3M | ||
| Q3 25 | $521.0M | $238.0M | ||
| Q2 25 | $523.7M | $234.6M | ||
| Q1 25 | $542.1M | $232.1M | ||
| Q4 24 | $540.1M | $231.2M | ||
| Q3 24 | $563.8M | $228.7M | ||
| Q2 24 | $582.3M | $225.4M | ||
| Q1 24 | $601.1M | $222.9M |
| Q4 25 | $1.6B | $680.9M | ||
| Q3 25 | $1.4B | $667.1M | ||
| Q2 25 | $1.4B | $653.7M | ||
| Q1 25 | $1.5B | $641.8M | ||
| Q4 24 | $1.8B | $633.5M | ||
| Q3 24 | $1.9B | $621.4M | ||
| Q2 24 | $2.1B | $610.4M | ||
| Q1 24 | $2.1B | $602.3M |
| Q4 25 | 1.86× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.33× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $21.4M | $8.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.4M | $8.4M | ||
| Q3 25 | $3.8M | $7.8M | ||
| Q2 25 | $4.9M | $7.6M | ||
| Q1 25 | $8.0M | $6.0M | ||
| Q4 24 | $35.5M | $10.2M | ||
| Q3 24 | $8.4M | $7.5M | ||
| Q2 24 | $8.7M | $6.7M | ||
| Q1 24 | $11.4M | $6.1M |
| Q4 25 | — | 1.63× | ||
| Q3 25 | 0.82× | 1.26× | ||
| Q2 25 | — | 1.50× | ||
| Q1 25 | 0.86× | 1.65× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 1.34× | ||
| Q1 24 | — | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
