Kearny Financial Corp. (KRNY) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Kearny Financial Corp. serves as the parent entity for Kearny Bank, providing a diverse array of banking and financial services across the United States. The institution offers a comprehensive suite of deposit products, including both interest-bearing and non-interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit.
Analysis Summary
Kearny Financial Corp. reported revenue of $347.1M in the most recent fiscal year, growing at a 5-year CAGR of 6.3%. Net income reached $36.3M, with a -10.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 50.8%, operating margin 13.7%, net margin 10.4%.
At the current price of $9.65, KRNY trades at a P/E of 16.06 and an ROE of 4.77%. Market capitalisation stands at $607M.
Balance sheet quality for KRNY: current ratio of 1.2. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Price
| Price | $9.65 |
| Market Cap | $607M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 16.06 |
| Price / Book | 0.76 |
| EV / EBITDA | 31.85 |
| Dividend Yield | 4.72% |
Profitability
| Return on Equity | 4.77% |
| Return on Invested Capital | 0.51% |
| Return on Assets | 0.47% |
| Gross Margin | 50.82% |
| Operating Margin | 13.66% |
| Net Margin | 10.45% |
Financial Health
| Debt / Equity | 1.50 |
| Current Ratio | 34.68 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| KRNY | Kearny Financial Corp. | $607M | 16.06 | 0.76 | 4.8% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Explore sector: Financial Services · Banks - Regional
More sections of KRNY: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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