7.86 USD
-0.05 (-0.63%)
7.86 USD
0 (0%)
Taking everything into account, KRNY scores 4 out of 10 in our fundamental rating. KRNY was compared to 383 industry peers in the Banks industry. While KRNY seems to be doing ok healthwise, there are quite some concerns on its profitability. KRNY has a decent growth rate and is not valued too expensively. Finally KRNY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- KRNY had positive earnings in the past year.
- In the past year KRNY had a positive cash flow from operations.
- Of the past 5 years KRNY 4 years were profitable.
- In the past 5 years KRNY always reported a positive cash flow from operatings.
1.2 Ratios
- KRNY has a worse Return On Assets (0.39%) than 83.29% of its industry peers.
- KRNY's Return On Equity of 3.92% is on the low side compared to the rest of the industry. KRNY is outperformed by 81.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.39% | ||
| ROE | 3.92% | ||
| ROIC | N/A |
ROA(3y)-0.1%
ROA(5y)0.29%
ROE(3y)-1.1%
ROE(5y)2.06%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 18.38%, KRNY is doing worse than 69.97% of the companies in the same industry.
- In the last couple of years the Profit Margin of KRNY has declined.
- The Operating Margin and Gross Margin are not available for KRNY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.38% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.17%
PM growth 5Y-8.65%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- KRNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
- KRNY has more shares outstanding than it did 1 year ago.
- KRNY has less shares outstanding than it did 5 years ago.
- KRNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- There is no outstanding debt for KRNY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- KRNY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 141.96%, which is quite impressive.
- Measured over the past years, KRNY shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.25% on average per year.
- Looking at the last year, KRNY shows a quite strong growth in Revenue. The Revenue has grown by 19.31% in the last year.
- Measured over the past years, KRNY shows a decrease in Revenue. The Revenue has been decreasing by -1.85% on average per year.
EPS 1Y (TTM)141.96%
EPS 3Y-23.55%
EPS 5Y-6.25%
EPS Q2Q%50%
Revenue 1Y (TTM)19.31%
Revenue growth 3Y-9.89%
Revenue growth 5Y-1.85%
Sales Q2Q%16.21%
3.2 Future
- Based on estimates for the next years, KRNY will show a very strong growth in Earnings Per Share. The EPS will grow by 50.69% on average per year.
- KRNY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.85% yearly.
EPS Next Y82.14%
EPS Next 2Y50.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.54%
Revenue Next 2Y17.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 16.72 indicates a correct valuation of KRNY.
- KRNY's Price/Earnings ratio is a bit more expensive when compared to the industry. KRNY is more expensive than 72.58% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, KRNY is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 8.24, the valuation of KRNY can be described as reasonable.
- Based on the Price/Forward Earnings ratio, KRNY is valued cheaper than 87.73% of the companies in the same industry.
- KRNY is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.72 | ||
| Fwd PE | 8.24 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of KRNY indicates a slightly more expensive valuation: KRNY is more expensive than 75.46% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as KRNY's earnings are expected to grow with 50.69% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y50.69%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.56%, KRNY is a good candidate for dividend investing.
- KRNY's Dividend Yield is rather good when compared to the industry average which is at 2.86. KRNY pays more dividend than 89.56% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, KRNY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
5.2 History
- The dividend of KRNY is nicely growing with an annual growth rate of 8.94%!
- KRNY has been paying a dividend for at least 10 years, so it has a reliable track record.
- As KRNY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.94%
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
- 93.99% of the earnings are spent on dividend by KRNY. This is not a sustainable payout ratio.
- The dividend of KRNY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP93.99%
EPS Next 2Y50.69%
EPS Next 3YN/A
7.86
-0.05 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-22 2026-01-22/bmo
Inst Owners66.19%
Inst Owner Change0.07%
Ins Owners4.45%
Ins Owner Change3%
Market Cap508.86M
Revenue(TTM)160.47M
Net Income(TTM)29.49M
Analysts80
Price Target8.16 (3.82%)
Short Float %1.24%
Short Ratio1.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
Yearly Dividend0.43
Dividend Growth(5Y)8.94%
DP93.99%
Div Incr Years0
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.57%
Min EPS beat(2)-17.04%
Max EPS beat(2)-8.09%
EPS beat(4)1
Avg EPS beat(4)-7.26%
Min EPS beat(4)-17.04%
Max EPS beat(4)2.71%
EPS beat(8)4
Avg EPS beat(8)-195.69%
EPS beat(12)8
Avg EPS beat(12)-122.54%
EPS beat(16)11
Avg EPS beat(16)-91.41%
Revenue beat(2)0
Avg Revenue beat(2)-1.67%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-1.25%
Revenue beat(4)0
Avg Revenue beat(4)-4.29%
Min Revenue beat(4)-8.32%
Max Revenue beat(4)-1.25%
Revenue beat(8)2
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-2.03%
Revenue beat(16)8
Avg Revenue beat(16)-0.21%
PT rev (1m)10.34%
PT rev (3m)10.34%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.41%
EPS NY rev (1m)4.17%
EPS NY rev (3m)-5.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.72 | ||
| Fwd PE | 8.24 | ||
| P/S | 3.17 | ||
| P/FCF | 23.84 | ||
| P/OCF | 21.44 | ||
| P/B | 0.68 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY5.98%
EPS(NY)0.95
Fwd EY12.13%
FCF(TTM)0.33
FCFY4.19%
OCF(TTM)0.37
OCFY4.66%
SpS2.48
BVpS11.63
TBVpS9.86
PEG (NY)0.2
PEG (5Y)N/A
Graham Number11.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.39% | ||
| ROE | 3.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.38% | ||
| GM | N/A | ||
| FCFM | 13.3% |
ROA(3y)-0.1%
ROA(5y)0.29%
ROE(3y)-1.1%
ROE(5y)2.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.17%
PM growth 5Y-8.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 49.77% | ||
| Cap/Sales | 1.49% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 72.38% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.23%
ROIC/WACCN/A
Cap/Depr(3y)38.87%
Cap/Depr(5y)48.06%
Cap/Sales(3y)1.31%
Cap/Sales(5y)1.58%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)141.96%
EPS 3Y-23.55%
EPS 5Y-6.25%
EPS Q2Q%50%
EPS Next Y82.14%
EPS Next 2Y50.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.31%
Revenue growth 3Y-9.89%
Revenue growth 5Y-1.85%
Sales Q2Q%16.21%
Revenue Next Year20.54%
Revenue Next 2Y17.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-64.81%
FCF growth 3Y-35.14%
FCF growth 5Y9.87%
OCF growth 1Y-61.16%
OCF growth 3Y-32.71%
OCF growth 5Y5.1%
KEARNY FINANCIAL CORP/MD / KRNY FAQ
Can you provide the ChartMill fundamental rating for KEARNY FINANCIAL CORP/MD?
ChartMill assigns a fundamental rating of 4 / 10 to KRNY.
Can you provide the valuation status for KEARNY FINANCIAL CORP/MD?
ChartMill assigns a valuation rating of 5 / 10 to KEARNY FINANCIAL CORP/MD (KRNY). This can be considered as Fairly Valued.
How profitable is KEARNY FINANCIAL CORP/MD (KRNY) stock?
KEARNY FINANCIAL CORP/MD (KRNY) has a profitability rating of 2 / 10.
What is the financial health of KEARNY FINANCIAL CORP/MD (KRNY) stock?
The financial health rating of KEARNY FINANCIAL CORP/MD (KRNY) is 4 / 10.
Can you provide the dividend sustainability for KRNY stock?
The dividend rating of KEARNY FINANCIAL CORP/MD (KRNY) is 8 / 10 and the dividend payout ratio is 93.99%.