KEARNY FINANCIAL CORP/MD (KRNY) Stock Fundamental Analysis
USA - NASDAQ:KRNY - US48716P1084 - Common Stock
6.355 USD
0 (-0.08%)
We assign a fundamental rating of 3 out of 10 to KRNY. KRNY was compared to 390 industry peers in the Banks industry. The financial health of KRNY is average, but there are quite some concerns on its profitability. KRNY is valued correctly, but it does not seem to be growing. Finally KRNY also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year KRNY was profitable.
In the past year KRNY had a positive cash flow from operations.
KRNY had positive earnings in 4 of the past 5 years.
Each year in the past 5 years KRNY had a positive operating cash flow.
1.2 Ratios
KRNY has a Return On Assets of 0.34%. This is amonst the worse of the industry: KRNY underperforms 82.56% of its industry peers.
The Return On Equity of KRNY (3.50%) is worse than 81.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.5% | ||
| 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 16.93%, KRNY is not doing good in the industry: 71.28% of the companies in the same industry are doing better.
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) | 16.93% | ||
| 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.
Compared to 5 years ago, KRNY has less shares outstanding
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.
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
WACC12.05%
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.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.52, the valuation of KRNY can be described as correct.
62.31% of the companies in the same industry are cheaper than KRNY, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.67. KRNY is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 7.89 indicates a rather cheap valuation of KRNY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KRNY indicates a rather cheap valuation: KRNY is cheaper than 82.82% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 31.86. KRNY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.52 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
68.72% of the companies in the same industry are cheaper than KRNY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.24 | ||
| 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)0.15
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
KRNY has a Yearly Dividend Yield of 6.84%, which is a nice return.
Compared to an average industry Dividend Yield of 3.42, KRNY pays a better dividend. On top of this KRNY pays more dividend than 95.90% of the companies listed 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 | 6.84% |
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.
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
105.98% 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.
DP105.98%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:KRNY (11/7/2025, 12:56:45 PM)
6.355
0 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change0.05%
Ins Owners4.43%
Ins Owner Change2.98%
Market Cap411.42M
Revenue(TTM)160.47M
Net Income(TTM)26.07M
Analysts80
Price Target7.4 (16.44%)
Short Float %1.52%
Short Ratio2.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.84% |
Yearly Dividend0.43
Dividend Growth(5Y)8.94%
DP105.98%
Div Incr Years0
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-7.17%
Min EPS beat(2)-17.04%
Max EPS beat(2)2.71%
EPS beat(4)2
Avg EPS beat(4)-1.41%
Min EPS beat(4)-17.04%
Max EPS beat(4)15.34%
EPS beat(8)5
Avg EPS beat(8)-192.65%
EPS beat(12)9
Avg EPS beat(12)-121.57%
EPS beat(16)12
Avg EPS beat(16)-89.69%
Revenue beat(2)0
Avg Revenue beat(2)-5.21%
Min Revenue beat(2)-8.32%
Max Revenue beat(2)-2.09%
Revenue beat(4)0
Avg Revenue beat(4)-4.75%
Min Revenue beat(4)-8.32%
Max Revenue beat(4)-2.09%
Revenue beat(8)3
Avg Revenue beat(8)-0.09%
Revenue beat(12)5
Avg Revenue beat(12)-1.63%
Revenue beat(16)9
Avg Revenue beat(16)0.4%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)14.29%
EPS NQ rev (3m)-5.88%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.52 | ||
| Fwd PE | 7.89 | ||
| P/S | 2.67 | ||
| P/FCF | 19.24 | ||
| P/OCF | 16.61 | ||
| P/B | 0.55 | ||
| P/tB | 0.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY7.4%
EPS(NY)0.81
Fwd EY12.68%
FCF(TTM)0.33
FCFY5.2%
OCF(TTM)0.38
OCFY6.02%
SpS2.38
BVpS11.52
TBVpS9.75
PEG (NY)0.15
PEG (5Y)N/A
Graham Number11.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.5% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.93% | ||
| GM | N/A | ||
| FCFM | 13.89% |
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-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 69.31% | ||
| Cap/Sales | 2.2% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 82.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC12.05%
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 Y91.86%
EPS Next 2YN/A
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 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-49.82%
FCF growth 3Y-35.14%
FCF growth 5Y9.87%
OCF growth 1Y-43.67%
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 3 / 10 to KRNY.
What is the valuation status for KRNY stock?
ChartMill assigns a valuation rating of 4 / 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 105.98%.