KEARNY FINANCIAL CORP/MD (KRNY) Fundamental Analysis & Valuation

NASDAQ:KRNY • US48716P1084

Current stock price

7.25 USD
-0.06 (-0.82%)
At close:
7.25 USD
0 (0%)
After Hours:

This KRNY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. KRNY Profitability Analysis

1.1 Basic Checks

  • KRNY had positive earnings in the past year.
  • KRNY had a positive operating cash flow in the past year.
  • KRNY had positive earnings in 4 of the past 5 years.
  • In the past 5 years KRNY always reported a positive cash flow from operatings.
KRNY Yearly Net Income VS EBIT VS OCF VS FCFKRNY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M

1.2 Ratios

  • KRNY's Return On Assets of 0.42% is on the low side compared to the rest of the industry. KRNY is outperformed by 83.99% of its industry peers.
  • The Return On Equity of KRNY (4.27%) is worse than 82.94% of its industry peers.
Industry RankSector Rank
ROA 0.42%
ROE 4.27%
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
KRNY Yearly ROA, ROE, ROICKRNY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 -10

1.3 Margins

  • With a Profit Margin value of 19.44%, KRNY is not doing good in the industry: 71.13% of the companies in the same industry are doing better.
  • KRNY's Profit Margin has declined in the last couple of years.
  • KRNY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 19.44%
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
KRNY Yearly Profit, Operating, Gross MarginsKRNY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60

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4

2. KRNY Health Analysis

2.1 Basic Checks

  • KRNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, KRNY has more shares outstanding
  • KRNY has less shares outstanding than it did 5 years ago.
  • 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.
KRNY Yearly Shares OutstandingKRNY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
KRNY Yearly Total Debt VS Total AssetsKRNY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • KRNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.19%
KRNY Yearly LT Debt VS Equity VS FCFKRNY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KRNY Yearly Current Assets VS Current LiabilitesKRNY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. KRNY Growth Analysis

3.1 Past

  • KRNY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 146.02%, which is quite impressive.
  • KRNY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.25% yearly.
  • The Revenue has grown by 9.44% in the past year. This is quite good.
  • The Revenue has been decreasing by -1.85% on average over the past years.
EPS 1Y (TTM)146.02%
EPS 3Y-23.55%
EPS 5Y-6.25%
EPS Q2Q%50%
Revenue 1Y (TTM)9.44%
Revenue growth 3Y-9.89%
Revenue growth 5Y-1.85%
Sales Q2Q%16.43%

3.2 Future

  • KRNY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.02% yearly.
  • Based on estimates for the next years, KRNY will show a quite strong growth in Revenue. The Revenue will grow by 15.83% on average per year.
EPS Next Y66.36%
EPS Next 2Y47.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.16%
Revenue Next 2Y15.83%
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.
KRNY Yearly Revenue VS EstimatesKRNY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
KRNY Yearly EPS VS EstimatesKRNY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 -1

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6

4. KRNY Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.94, the valuation of KRNY can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of KRNY indicates a slightly more expensive valuation: KRNY is more expensive than 69.29% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of KRNY to the average of the S&P500 Index (25.70), we can say KRNY is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 7.99, the valuation of KRNY can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, KRNY is valued cheaper than 85.56% of the companies in the same industry.
  • KRNY is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.94
Fwd PE 7.99
KRNY Price Earnings VS Forward Price EarningsKRNY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • KRNY's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.02
EV/EBITDA N/A
KRNY Per share dataKRNY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • KRNY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • KRNY's earnings are expected to grow with 47.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y47.02%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. KRNY Dividend Analysis

5.1 Amount

  • KRNY has a Yearly Dividend Yield of 6.02%, which is a nice return.
  • KRNY's Dividend Yield is rather good when compared to the industry average which is at 2.87. KRNY pays more dividend than 92.39% of the companies in the same industry.
  • KRNY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 6.02%

5.2 History

  • On average, the dividend of KRNY grows each year by 8.94%, which is quite nice.
  • KRNY has paid a dividend for at least 10 years, which is 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
KRNY Yearly Dividends per shareKRNY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • KRNY pays out 85.75% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of KRNY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP85.75%
EPS Next 2Y47.02%
EPS Next 3YN/A
KRNY Yearly Income VS Free CF VS DividendKRNY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M
KRNY Dividend Payout.KRNY Dividend Payout, showing the Payout Ratio.KRNY Dividend Payout.PayoutRetained Earnings

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KRNY Fundamentals: All Metrics, Ratios and Statistics

KEARNY FINANCIAL CORP/MD

NASDAQ:KRNY (3/13/2026, 8:00:02 PM)

After market: 7.25 0 (0%)

7.25

-0.06 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners67.31%
Inst Owner Change-3.57%
Ins Owners4.44%
Ins Owner Change0.05%
Market Cap469.36M
Revenue(TTM)166.53M
Net Income(TTM)32.37M
Analysts80
Price Target9.18 (26.62%)
Short Float %1.27%
Short Ratio1.76
Dividend
Industry RankSector Rank
Dividend Yield 6.02%
Yearly Dividend0.43
Dividend Growth(5Y)8.94%
DP85.75%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-04
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.03%
Min EPS beat(2)-15.97%
Max EPS beat(2)-8.09%
EPS beat(4)1
Avg EPS beat(4)-9.6%
Min EPS beat(4)-17.04%
Max EPS beat(4)2.71%
EPS beat(8)3
Avg EPS beat(8)-212.14%
EPS beat(12)7
Avg EPS beat(12)-127.34%
EPS beat(16)10
Avg EPS beat(16)-93.51%
Revenue beat(2)0
Avg Revenue beat(2)-3.09%
Min Revenue beat(2)-4.93%
Max Revenue beat(2)-1.25%
Revenue beat(4)0
Avg Revenue beat(4)-4.15%
Min Revenue beat(4)-8.32%
Max Revenue beat(4)-1.25%
Revenue beat(8)2
Avg Revenue beat(8)-0.39%
Revenue beat(12)4
Avg Revenue beat(12)-0.59%
Revenue beat(16)7
Avg Revenue beat(16)-0.86%
PT rev (1m)0%
PT rev (3m)24.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.29%
Valuation
Industry RankSector Rank
PE 13.94
Fwd PE 7.99
P/S 2.82
P/FCF 12.02
P/OCF 11.53
P/B 0.62
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)0.52
EY7.17%
EPS(NY)0.91
Fwd EY12.52%
FCF(TTM)0.6
FCFY8.32%
OCF(TTM)0.63
OCFY8.67%
SpS2.57
BVpS11.7
TBVpS9.93
PEG (NY)0.21
PEG (5Y)N/A
Graham Number11.7
Profitability
Industry RankSector Rank
ROA 0.42%
ROE 4.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.44%
GM N/A
FCFM 23.44%
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-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 35.46%
Cap/Sales 1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 120.59%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC12.19%
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)146.02%
EPS 3Y-23.55%
EPS 5Y-6.25%
EPS Q2Q%50%
EPS Next Y66.36%
EPS Next 2Y47.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.44%
Revenue growth 3Y-9.89%
Revenue growth 5Y-1.85%
Sales Q2Q%16.43%
Revenue Next Year14.16%
Revenue Next 2Y15.83%
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-24.8%
FCF growth 3Y-35.14%
FCF growth 5Y9.87%
OCF growth 1Y-22.67%
OCF growth 3Y-32.71%
OCF growth 5Y5.1%

KEARNY FINANCIAL CORP/MD / KRNY Fundamental Analysis 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 6 / 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 85.75%.