KEARNY FINANCIAL CORP/MD (KRNY) Stock Fundamental Analysis
USA - NASDAQ:KRNY - US48716P1084 - Common Stock
6.37 USD
-0.09 (-1.39%)
Taking everything into account, KRNY scores 4 out of 10 in our fundamental rating. KRNY was compared to 388 industry peers in the Banks industry. While KRNY seems to be doing ok healthwise, there are quite some concerns on its profitability. KRNY is not valued too expensively and it also shows a decent growth rate. Finally 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.
Each year in the past 5 years KRNY had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.34%, KRNY is not doing good in the industry: 83.25% of the companies in the same industry are doing better.
KRNY has a Return On Equity of 3.50%. This is amonst the worse of the industry: KRNY underperforms 81.19% 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
Looking at the Profit Margin, with a value of 16.93%, KRNY is doing worse than 71.65% of the companies in the same industry.
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 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.
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.
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
WACC12.04%
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.
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
KRNY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.89% yearly.
KRNY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.85% yearly.
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
A Price/Earnings ratio of 13.55 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 63.40% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.91, KRNY is valued a bit cheaper.
With a Price/Forward Earnings ratio of 6.57, the valuation of KRNY can be described as very cheap.
Based on the Price/Forward Earnings ratio, KRNY is valued cheaper than 93.30% of the companies in the same industry.
KRNY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.55 | ||
| Fwd PE | 6.57 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, KRNY is valued a bit more expensive than the industry average as 68.56% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.28 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)0.18
PEG (5Y)N/A
EPS Next 2Y51.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
KRNY has a Yearly Dividend Yield of 6.92%, which is a nice return.
KRNY's Dividend Yield is rather good when compared to the industry average which is at 3.38. KRNY pays more dividend than 96.13% of the companies in the same industry.
KRNY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.92% |
5.2 History
The dividend of KRNY is nicely growing with an annual growth rate of 8.94%!
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
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 2Y51.89%
EPS Next 3YN/A
NASDAQ:KRNY (11/14/2025, 9:34:26 AM)
6.37
-0.09 (-1.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners66.42%
Inst Owner Change0.66%
Ins Owners4.43%
Ins Owner Change2.98%
Market Cap412.39M
Revenue(TTM)160.47M
Net Income(TTM)26.07M
Analysts80
Price Target7.4 (16.17%)
Short Float %1.52%
Short Ratio2.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.92% |
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)-8.86%
EPS NY rev (3m)-8.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)-3.96%
Revenue NY rev (3m)-2.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.55 | ||
| Fwd PE | 6.57 | ||
| P/S | 2.68 | ||
| P/FCF | 19.28 | ||
| P/OCF | 16.65 | ||
| P/B | 0.55 | ||
| P/tB | 0.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.47
EY7.38%
EPS(NY)0.97
Fwd EY15.21%
FCF(TTM)0.33
FCFY5.19%
OCF(TTM)0.38
OCFY6.01%
SpS2.38
BVpS11.52
TBVpS9.75
PEG (NY)0.18
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
WACC12.04%
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-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 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 105.98%.