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KEARNY FINANCIAL CORP/MD (KRNY) Stock Fundamental Analysis

NASDAQ:KRNY - Nasdaq - US48716P1084 - Common Stock - Currency: USD

6.45  +0.29 (+4.71%)

After market: 6.5 +0.05 (+0.78%)

Fundamental Rating

4

KRNY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 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. KRNY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

KRNY had negative earnings in the past year.
In the past year KRNY had a positive cash flow from operations.
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.
KRNY Yearly Net Income VS EBIT VS OCF VS FCFKRNY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

1.2 Ratios

The Return On Assets of KRNY (-0.91%) is worse than 96.48% of its industry peers.
KRNY has a Return On Equity of -9.40%. This is amonst the worse of the industry: KRNY underperforms 96.98% of its industry peers.
Industry RankSector Rank
ROA -0.91%
ROE -9.4%
ROIC N/A
ROA(3y)0.08%
ROA(5y)0.36%
ROE(3y)0.25%
ROE(5y)2.19%
ROIC(3y)N/A
ROIC(5y)N/A
KRNY Yearly ROA, ROE, ROICKRNY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for KRNY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
KRNY Yearly Profit, Operating, Gross MarginsKRNY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60

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2. Health

2.1 Basic Checks

KRNY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, KRNY has less shares outstanding
The number of shares outstanding for KRNY has been reduced compared to 5 years ago.
Compared to 1 year ago, KRNY has an improved debt to assets ratio.
KRNY Yearly Shares OutstandingKRNY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
KRNY Yearly Total Debt VS Total AssetsKRNY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC10.4%
KRNY Yearly LT Debt VS Equity VS FCFKRNY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KRNY Yearly Current Assets VS Current LiabilitesKRNY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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3. Growth

3.1 Past

The earnings per share for KRNY have decreased strongly by -279.37% in the last year.
The Revenue has been growing slightly by 0.86% in the past year.
The Revenue has been decreasing by -3.60% on average over the past years.
EPS 1Y (TTM)-279.37%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.09%
Revenue 1Y (TTM)0.86%
Revenue growth 3Y-12.41%
Revenue growth 5Y-3.6%
Sales Q2Q%-9%

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 66.43% 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 15.50% on average per year.
EPS Next Y143.3%
EPS Next 2Y66.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.07%
Revenue Next 2Y15.5%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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.
KRNY Yearly Revenue VS EstimatesKRNY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
KRNY Yearly EPS VS EstimatesKRNY Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1 -1

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for KRNY. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 7.90, which 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 86.93% of the companies listed 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 21.65.
Industry RankSector Rank
PE N/A
Fwd PE 7.9
KRNY Price Earnings VS Forward Price EarningsKRNY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, KRNY is valued a bit more expensive than the industry average as 71.36% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.89
EV/EBITDA N/A
KRNY Per share dataKRNY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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.
KRNY's earnings are expected to grow with 66.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y66.43%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

KRNY has a Yearly Dividend Yield of 7.43%, which is a nice return.
Compared to an average industry Dividend Yield of 3.63, KRNY pays a better dividend. On top of this KRNY pays more dividend than 96.48% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, KRNY pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.43%

5.2 History

The dividend of KRNY has a limited annual growth rate of 2.81%.
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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.81%
Div Incr Years0
Div Non Decr Years5
KRNY Yearly Dividends per shareKRNY Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

The earnings of KRNY are negative and hence is the payout ratio. KRNY will probably not be able to sustain this dividend level.
KRNY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-39.42%
EPS Next 2Y66.43%
EPS Next 3YN/A
KRNY Yearly Income VS Free CF VS DividendKRNY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

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KEARNY FINANCIAL CORP/MD

NASDAQ:KRNY (4/24/2025, 8:21:49 PM)

After market: 6.5 +0.05 (+0.78%)

6.45

+0.29 (+4.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/bmo
Earnings (Next)04-24 2025-04-24/bmo
Inst Owners64.12%
Inst Owner Change0.04%
Ins Owners4.18%
Ins Owner Change0.14%
Market Cap416.54M
Analysts80
Price Target8.03 (24.5%)
Short Float %0.78%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield 7.43%
Yearly Dividend0.42
Dividend Growth(5Y)2.81%
DP-39.42%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-12 2025-02-12 (0.11)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.36%
Min EPS beat(2)-6.63%
Max EPS beat(2)15.34%
EPS beat(4)2
Avg EPS beat(4)-414.69%
Min EPS beat(4)-1679.52%
Max EPS beat(4)15.34%
EPS beat(8)6
Avg EPS beat(8)-186.21%
EPS beat(12)9
Avg EPS beat(12)-121.48%
EPS beat(16)13
Avg EPS beat(16)-87.59%
Revenue beat(2)0
Avg Revenue beat(2)-4.29%
Min Revenue beat(2)-5.51%
Max Revenue beat(2)-3.07%
Revenue beat(4)2
Avg Revenue beat(4)3.37%
Min Revenue beat(4)-5.51%
Max Revenue beat(4)14.35%
Revenue beat(8)4
Avg Revenue beat(8)1.2%
Revenue beat(12)7
Avg Revenue beat(12)0.24%
Revenue beat(16)11
Avg Revenue beat(16)2.85%
PT rev (1m)-3.08%
PT rev (3m)-8.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.5%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)7.22%
Revenue NQ rev (3m)3.74%
Revenue NY rev (1m)14.51%
Revenue NY rev (3m)12.09%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 7.9
P/S 2.74
P/FCF 19.89
P/OCF 16.86
P/B 0.56
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)-1.13
EYN/A
EPS(NY)0.82
Fwd EY12.65%
FCF(TTM)0.32
FCFY5.03%
OCF(TTM)0.38
OCFY5.93%
SpS2.36
BVpS11.53
TBVpS9.75
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.91%
ROE -9.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 13.76%
ROA(3y)0.08%
ROA(5y)0.36%
ROE(3y)0.25%
ROE(5y)2.19%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 74.75%
Cap/Sales 2.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.4%
ROIC/WACCN/A
Cap/Depr(3y)30.38%
Cap/Depr(5y)54.68%
Cap/Sales(3y)1.04%
Cap/Sales(5y)1.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-279.37%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.09%
EPS Next Y143.3%
EPS Next 2Y66.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.86%
Revenue growth 3Y-12.41%
Revenue growth 5Y-3.6%
Sales Q2Q%-9%
Revenue Next Year9.07%
Revenue Next 2Y15.5%
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-76.2%
FCF growth 3Y-15.23%
FCF growth 5Y5.34%
OCF growth 1Y-72.8%
OCF growth 3Y-16.46%
OCF growth 5Y2.43%