KRNY Fundamental Analysis - KEARNY FINANCIAL CORP/MD

Fundamental Rating

KRNY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 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 valuation in line with the averages, but it does not seem to be growing. KRNY also has an excellent dividend rating.

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1. Profitability

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.

KRNY had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of -0.92%, KRNY is not doing good in the industry: 96.18% of the companies in the same industry are doing better.

KRNY's Return On Equity of -9.46% is on the low side compared to the rest of the industry. KRNY is outperformed by 96.18% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.92%
ROE	-9.46%
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

In the last couple of years the Profit Margin of KRNY has declined.

KRNY does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

The debt/assets ratio for KRNY is higher compared to a year ago.

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

WACC10.42%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

KRNY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 139.62%, 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 9.53% 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)139.62%

EPS 3Y-23.55%

EPS 5Y-6.25%

EPS Q2Q%107.59%

Revenue 1Y (TTM)9.53%

Revenue growth 3Y-9.89%

Revenue growth 5Y-1.85%

Sales Q2Q%-8.29%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next Y91.86%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year25.51%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.07 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 68.19% of the companies in the same industry.

KRNY is valuated rather cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.

KRNY is valuated reasonably with a Price/Forward Earnings ratio of 8.38.

KRNY's Price/Forward Earnings ratio is rather cheap when compared to the industry. KRNY is cheaper than 84.48% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of KRNY to the average of the S&P500 Index (22.72), we can say KRNY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	16.07
Fwd PE	8.38

4.2 Price Multiples

KRNY's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. KRNY is more expensive than 70.99% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	21.46
EV/EBITDA	N/A

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.

PEG (NY)0.17

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.27%, KRNY is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.30, KRNY pays a better dividend. On top of this KRNY pays more dividend than 97.20% of the companies listed in the same industry.

KRNY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.

		Industry Rank	Sector Rank
Dividend Yield	7.27%

5.2 History

The dividend of KRNY has a limited annual growth rate of 2.81%.

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)2.81%

Div Incr Years0

Div Non Decr Years5

5.3 Sustainability

The earnings of KRNY are negative and hence is the payout ratio. KRNY will probably not be able to sustain this dividend level.

The dividend of KRNY is growing, but earnings are growing more, so the dividend growth is sustainable.

DP-38.98%

EPS Next 2YN/A

EPS Next 3YN/A

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KEARNY FINANCIAL CORP/MD

NASDAQ:KRNY (8/29/2025, 8:00:02 PM)

After market: 6.81 +0.06 (+0.89%)

6.75

+0.17 (+2.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-22 2025-10-22/bmo

Inst Owners65.37%

Inst Owner Change0.69%

Ins Owners4.22%

Ins Owner Change2.72%

Market Cap435.92M

Analysts80

Price Target7.4 (9.63%)

Short Float %1.06%

Short Ratio1.65

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.27%

Yearly Dividend0.42

Dividend Growth(5Y)2.81%

DP-38.98%

Div Incr Years0

Div Non Decr Years5

Ex-Date08-12 2025-08-12 (0.11)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-1.96%

Min EPS beat(2)-6.63%

Max EPS beat(2)2.71%

EPS beat(4)2

Avg EPS beat(4)-417.03%

Min EPS beat(4)-1679.52%

Max EPS beat(4)15.34%

EPS beat(8)6

Avg EPS beat(8)-186.39%

EPS beat(12)9

Avg EPS beat(12)-122.07%

EPS beat(16)13

Avg EPS beat(16)-87.98%

Revenue beat(2)0

Avg Revenue beat(2)-6.91%

Min Revenue beat(2)-8.32%

Max Revenue beat(2)-5.51%

Revenue beat(4)1

Avg Revenue beat(4)-0.64%

Min Revenue beat(4)-8.32%

Max Revenue beat(4)14.35%

Revenue beat(8)4

Avg Revenue beat(8)0.27%

Revenue beat(12)6

Avg Revenue beat(12)-0.74%

Revenue beat(16)10

Avg Revenue beat(16)1.21%

PT rev (1m)0%

PT rev (3m)-3.33%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)1.07%

Revenue NY rev (3m)1.07%

Valuation

		Industry Rank	Sector Rank
PE	16.07
Fwd PE	8.38
P/S	2.86
P/FCF	21.46
P/OCF	18.21
P/B	0.58
P/tB	0.69
EV/EBITDA	N/A

EPS(TTM)0.42

EY6.22%

EPS(NY)0.81

Fwd EY11.94%

FCF(TTM)0.31

FCFY4.66%

OCF(TTM)0.37

OCFY5.49%

SpS2.36

BVpS11.58

TBVpS9.8

PEG (NY)0.17

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.92%
ROE	-9.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	13.35%

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

ROICexcg growth 3YN/A

ROICexcg 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-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	73.21%
Cap/Sales	2.38%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC10.42%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)139.62%

EPS 3Y-23.55%

EPS 5Y-6.25%

EPS Q2Q%107.59%

EPS Next Y91.86%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)9.53%

Revenue growth 3Y-9.89%

Revenue growth 5Y-1.85%

Sales Q2Q%-8.29%

Revenue Next Year25.51%

Revenue Next 2YN/A

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-57.62%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-50.5%

OCF growth 3YN/A

OCF growth 5YN/A

KEARNY FINANCIAL CORP/MD (KRNY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens