6.87 USD
-0.02 (-0.29%)
6.87 USD
0 (0%)
Taking everything into account, KRNY scores 4 out of 10 in our fundamental rating. KRNY was compared to 387 industry peers in the Banks industry. KRNY scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. KRNY is not valued too expensively and it also shows a decent growth rate. KRNY also has an excellent dividend rating.
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.
In the past 5 years KRNY always reported a positive cash flow from operatings.
1.2 Ratios
KRNY's Return On Assets of 0.39% is on the low side compared to the rest of the industry. KRNY is outperformed by 83.46% of its industry peers.
KRNY has a Return On Equity of 3.92%. This is amonst the worse of the industry: KRNY underperforms 82.17% 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 69.77% of the companies in the same industry.
KRNY's Profit Margin has declined in the last couple of years.
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.
The number of shares outstanding for KRNY has been increased compared to 1 year ago.
The number of shares outstanding for KRNY has been reduced compared to 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
KRNY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.08%
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.
KRNY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.25% yearly.
Looking at the last year, KRNY shows a quite strong growth in Revenue. The Revenue has grown by 19.31% in the last year.
The Revenue has been decreasing by -1.85% on average over the past years.
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 51.89% on average per year.
The Revenue is expected to grow by 17.85% on average over the next years. This is quite good.
EPS Next Y74.86%
EPS Next 2Y51.89%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
Based on the Price/Earnings ratio of 14.62, the valuation of KRNY can be described as correct.
Based on the Price/Earnings ratio, KRNY is valued a bit more expensive than the industry average as 67.18% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.31, KRNY is valued a bit cheaper.
The Price/Forward Earnings ratio is 7.09, which indicates a rather cheap valuation of KRNY.
KRNY's Price/Forward Earnings ratio is rather cheap when compared to the industry. KRNY is cheaper than 91.21% of the companies in the same industry.
KRNY is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.62 | ||
| Fwd PE | 7.09 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, KRNY is valued a bit more expensive than the industry average as 71.32% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.84 | ||
| 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.
A more expensive valuation may be justified as KRNY's earnings are expected to grow with 51.89% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y51.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
KRNY has a Yearly Dividend Yield of 6.91%, which is a nice return.
KRNY's Dividend Yield is rather good when compared to the industry average which is at 3.33. KRNY pays more dividend than 96.38% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, KRNY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.91% |
5.2 History
The dividend of KRNY is nicely growing with an annual growth rate of 8.94%!
KRNY has paid a dividend for at least 10 years, which is a reliable track record.
KRNY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 2Y51.89%
EPS Next 3YN/A
6.87
-0.02 (-0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change-0.53%
Ins Owners4.43%
Ins Owner Change2.98%
Market Cap444.76M
Revenue(TTM)160.47M
Net Income(TTM)29.49M
Analysts80
Price Target7.4 (7.71%)
Short Float %1.44%
Short Ratio2.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.91% |
Yearly Dividend0.43
Dividend Growth(5Y)8.94%
DP93.99%
Div Incr Years0
Div Non Decr Years5
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-13.51%
EPS NQ rev (3m)-13.51%
EPS NY rev (1m)-8.86%
EPS NY rev (3m)-8.86%
Revenue NQ rev (1m)-2.74%
Revenue NQ rev (3m)-1.89%
Revenue NY rev (1m)-3.96%
Revenue NY rev (3m)-3.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.62 | ||
| Fwd PE | 7.09 | ||
| P/S | 2.77 | ||
| P/FCF | 20.84 | ||
| P/OCF | 18.74 | ||
| P/B | 0.59 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY6.84%
EPS(NY)0.97
Fwd EY14.1%
FCF(TTM)0.33
FCFY4.8%
OCF(TTM)0.37
OCFY5.34%
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
WACC12.08%
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 Y74.86%
EPS Next 2Y51.89%
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.
What is the valuation status for KRNY stock?
ChartMill assigns a valuation rating of 5 / 10 to KEARNY FINANCIAL CORP/MD (KRNY). This can be considered as Fairly Valued.
Can you provide the profitability details for KEARNY FINANCIAL CORP/MD?
KEARNY FINANCIAL CORP/MD (KRNY) has a profitability rating of 2 / 10.
How financially healthy is KEARNY FINANCIAL CORP/MD?
The financial health rating of KEARNY FINANCIAL CORP/MD (KRNY) is 4 / 10.
Is the dividend of KEARNY FINANCIAL CORP/MD sustainable?
The dividend rating of KEARNY FINANCIAL CORP/MD (KRNY) is 8 / 10 and the dividend payout ratio is 93.99%.