7.58 USD
-0.08 (-1.04%)
7.58 USD
0 (0%)
KRNY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 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
In the past year KRNY was profitable.
KRNY had a positive operating cash flow in the past year.
Of the past 5 years KRNY 4 years were profitable.
KRNY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
KRNY has a worse Return On Assets (0.39%) than 83.51% of its industry peers.
With a Return On Equity value of 3.92%, KRNY is not doing good in the industry: 82.22% of the companies in the same industry are doing better.
| 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
With a Profit Margin value of 18.38%, KRNY is not doing good in the industry: 69.85% of the companies in the same industry are doing better.
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
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
WACC12.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 141.96% over the past year.
The Earnings Per Share has been decreasing by -6.25% on average over the past years.
The Revenue has grown by 19.31% in the past year. This is quite good.
KRNY shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.85% yearly.
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.
Based on estimates for the next years, KRNY will show a quite strong growth in Revenue. The Revenue will grow by 17.85% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.13, 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 72.16% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.57. KRNY is valued slightly cheaper when compared to this.
KRNY is valuated cheaply with a Price/Forward Earnings ratio of 7.82.
89.95% of the companies in the same industry are more expensive than KRNY, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.04. KRNY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.13 | ||
| Fwd PE | 7.82 |
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 73.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.99 | ||
| 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)0.22
PEG (5Y)N/A
EPS Next 2Y51.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.74%, KRNY is a good candidate for dividend investing.
KRNY's Dividend Yield is rather good when compared to the industry average which is at 2.74. KRNY pays more dividend than 91.24% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.88, KRNY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
5.2 History
On average, the dividend of KRNY grows each year by 8.94%, which is quite nice.
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.
KRNY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP93.99%
EPS Next 2Y51.89%
EPS Next 3YN/A
7.58
-0.08 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.08%
Inst Owner Change-0.47%
Ins Owners4.45%
Ins Owner Change3%
Market Cap490.73M
Revenue(TTM)160.47M
Net Income(TTM)29.49M
Analysts80
Price Target8.16 (7.65%)
Short Float %1.2%
Short Ratio1.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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)9.38%
EPS NQ rev (3m)-5.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.13 | ||
| Fwd PE | 7.82 | ||
| P/S | 3.06 | ||
| P/FCF | 22.99 | ||
| P/OCF | 20.67 | ||
| P/B | 0.65 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY6.2%
EPS(NY)0.97
Fwd EY12.78%
FCF(TTM)0.33
FCFY4.35%
OCF(TTM)0.37
OCFY4.84%
SpS2.48
BVpS11.63
TBVpS9.86
PEG (NY)0.22
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
WACC12.19%
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)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%.