KEARNY FINANCIAL CORP/MD (KRNY)
US48716P1084 - Common Stock
We assign a fundamental rating of 3 out of 10 to KRNY. KRNY was compared to 411 industry peers in the Banks industry. KRNY may be in some trouble as it scores bad on both profitability and health. KRNY has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
Each year in the past 5 years KRNY has been profitable.
KRNY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
KRNY's Return On Assets of 0.23% is on the low side compared to the rest of the industry. KRNY is outperformed by 88.56% of its industry peers.
Looking at the Return On Equity, with a value of 2.16%, KRNY is doing worse than 89.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.23% | ||
| ROE | 2.16% | ||
| ROIC | N/A |
ROA(3y)0.75%
ROA(5y)0.71%
ROE(3y)6.1%
ROE(5y)5.24%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of KRNY (12.15%) is worse than 84.67% of its industry peers.
In the last couple of years the Profit Margin of KRNY has grown nicely.
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) | 12.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.98%
PM growth 5Y9.41%
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 less shares outstanding than it did 1 year ago.
KRNY has less shares outstanding than it did 5 years ago.
The debt/assets ratio for KRNY has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of KRNY is 4.53, which is a neutral value as it means it would take KRNY, 4.53 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.53, KRNY is not doing good in the industry: 65.94% of the companies in the same industry are doing better.
KRNY has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.28, KRNY is in line with its industry, outperforming 42.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 4.53 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.03%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
KRNY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -32.26%.
The Earnings Per Share has been growing by 21.40% on average over the past years. This is a very strong growth
Looking at the last year, KRNY shows a very negative growth in Revenue. The Revenue has decreased by -22.66% in the last year.
KRNY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.83% yearly.
EPS 1Y (TTM)-32.26%
EPS 3Y14.47%
EPS 5Y21.4%
EPS growth Q2Q-57.69%
Revenue 1Y (TTM)-22.66%
Revenue growth 3Y1.86%
Revenue growth 5Y5.83%
Revenue growth Q2Q-45.38%
3.2 Future
KRNY is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -18.25% yearly.
KRNY is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -9.58% yearly.
EPS Next Y-45.48%
EPS Next 2Y-18.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-19.27%
Revenue Next 2Y-9.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.13, which indicates a very decent valuation of KRNY.
Compared to the rest of the industry, the Price/Earnings ratio of KRNY is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 25.20. KRNY is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.89 indicates a reasonable valuation of KRNY.
KRNY's Price/Forward Earnings ratio is in line with the industry average.
KRNY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.13 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, KRNY is valued a bit cheaper than 65.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as KRNY's earnings are expected to decrease with -18.25% in the coming years.
PEG (NY)N/A
PEG (5Y)0.43
EPS Next 2Y-18.25%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.94%, KRNY is a good candidate for dividend investing.
The stock price of KRNY dropped by -26.00% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
KRNY's Dividend Yield is rather good when compared to the industry average which is at 3.86. KRNY pays more dividend than 97.81% of the companies in the same industry.
KRNY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.94% |
5.2 History
On average, the dividend of KRNY grows each year by 13.72%, which is quite nice.
KRNY has been paying a dividend for at least 10 years, so it has a reliable track record.
KRNY has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.72%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
KRNY pays out 152.58% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of KRNY has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP152.58%
EPS Next 2Y-18.25%
EPS Next 3YN/A
KEARNY FINANCIAL CORP/MD
NASDAQ:KRNY (4/25/2024, 7:01:32 PM)
After market: 5.86 +0.11 (+1.91%)5.75
-0.26 (-4.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap370.53M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.94% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.13 | ||
| Fwd PE | 9.89 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.23% | ||
| ROE | 2.16% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 12.15% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-32.26%
EPS 3Y14.47%
EPS 5Y
EPS growth Q2Q
EPS Next Y-45.48%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-22.66%
Revenue growth 3Y1.86%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y