Kearny Financial Corp. Logo

Kearny Financial Corp.

KRNY

(2.0)
Stock Price

7,25 USD

0.44% ROA

2.14% ROE

15.11x PER

Market Cap.

527.929.838,00 USD

191.51% DER

5.38% Yield

12.16% NPM

Kearny Financial Corp. Stock Analysis

Kearny Financial Corp. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Kearny Financial Corp. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.58x), the stock offers substantial upside potential at a bargain price.

2 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

3 ROE

The stock's ROE falls within an average range (3.95%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.44%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

The company's stock seems undervalued (42) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The company has a high debt to equity ratio (192%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Kearny Financial Corp. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Kearny Financial Corp. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Kearny Financial Corp. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Kearny Financial Corp. Revenue
Year Revenue Growth
2001 0
2002 53.484.000 100%
2003 53.644.000 0.3%
2004 48.114.000 -11.49%
2005 61.522.000 21.79%
2006 54.003.000 -13.92%
2007 47.582.000 -13.49%
2008 48.888.000 2.67%
2009 53.708.000 8.97%
2010 59.485.000 9.71%
2011 72.939.000 18.45%
2012 72.325.000 -0.85%
2013 82.645.000 12.49%
2014 81.944.000 -0.86%
2015 88.549.000 7.46%
2016 105.712.000 16.24%
2017 113.922.000 7.21%
2018 134.556.000 15.33%
2019 168.868.000 20.32%
2020 169.073.000 0.12%
2021 206.207.000 18.01%
2022 210.537.000 2.06%
2023 178.616.000 -17.87%
2024 172.680.000 -3.44%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Kearny Financial Corp. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Kearny Financial Corp. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 16.393.000 100%
2003 18.400.000 10.91%
2004 17.936.000 -2.59%
2005 22.230.000 19.32%
2006 27.792.000 20.01%
2007 27.553.000 -0.87%
2008 24.678.000 -11.65%
2009 29.513.000 16.38%
2010 30.456.000 3.1%
2011 34.565.000 11.89%
2012 36.448.000 5.17%
2013 38.270.000 4.76%
2014 38.752.000 1.24%
2015 42.485.000 8.79%
2016 45.625.000 6.88%
2017 51.134.000 10.77%
2018 58.370.000 12.4%
2019 67.852.000 13.97%
2020 65.380.000 -3.78%
2021 73.733.000 11.33%
2022 80.851.000 8.8%
2023 82.086.000 1.5%
2024 78.712.000 -4.29%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Kearny Financial Corp. EBITDA
Year EBITDA Growth
2001 0
2002 82.978.000 100%
2003 55.902.000 -48.43%
2004 52.692.000 -6.09%
2005 59.199.000 10.99%
2006 53.064.000 -11.56%
2007 56.139.000 5.48%
2008 61.543.000 8.78%
2009 56.994.000 -7.98%
2010 49.863.000 -14.3%
2011 46.663.000 -6.86%
2012 39.043.000 -19.52%
2013 33.505.000 -16.53%
2014 39.170.000 14.46%
2015 32.926.000 -18.96%
2016 57.663.000 42.9%
2017 66.923.000 13.84%
2018 87.726.000 23.71%
2019 143.546.000 38.89%
2020 63.064.000 -127.62%
2021 91.338.000 30.96%
2022 128.672.000 29.01%
2023 52.379.000 -145.66%
2024 52.604.000 0.43%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Kearny Financial Corp. Gross Profit
Year Gross Profit Growth
2001 0
2002 53.484.000 100%
2003 53.644.000 0.3%
2004 48.114.000 -11.49%
2005 61.522.000 21.79%
2006 54.003.000 -13.92%
2007 47.582.000 -13.49%
2008 48.888.000 2.67%
2009 55.227.000 11.48%
2010 59.485.000 7.16%
2011 72.939.000 18.45%
2012 72.325.000 -0.85%
2013 82.645.000 12.49%
2014 81.944.000 -0.86%
2015 88.549.000 7.46%
2016 105.712.000 16.24%
2017 113.922.000 7.21%
2018 134.556.000 15.33%
2019 168.868.000 20.32%
2020 169.073.000 0.12%
2021 206.207.000 18.01%
2022 210.537.000 2.06%
2023 178.616.000 -17.87%
2024 172.680.000 -3.44%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Kearny Financial Corp. Net Profit
Year Net Profit Growth
2001 0
2002 16.490.000 100%
2003 4.055.000 -306.66%
2004 12.897.000 68.56%
2005 18.898.000 31.75%
2006 9.608.000 -96.69%
2007 1.934.000 -396.79%
2008 5.904.000 67.24%
2009 6.391.000 7.62%
2010 6.812.000 6.18%
2011 7.907.000 13.85%
2012 5.078.000 -55.71%
2013 6.506.000 21.95%
2014 10.188.000 36.14%
2015 5.629.000 -80.99%
2016 15.822.000 64.42%
2017 18.603.000 14.95%
2018 19.596.000 5.07%
2019 42.142.000 53.5%
2020 44.965.000 6.28%
2021 63.233.000 28.89%
2022 67.547.000 6.39%
2023 40.811.000 -65.51%
2024 39.368.000 -3.67%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Kearny Financial Corp. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Kearny Financial Corp. Free Cashflow
Year Free Cashflow Growth
2002 16.732.000
2003 5.656.000 -195.83%
2004 6.524.000 13.3%
2005 9.757.000 33.14%
2006 12.275.000 20.51%
2007 11.197.000 -9.63%
2008 14.811.000 24.4%
2009 17.828.000 16.92%
2010 11.471.000 -55.42%
2011 27.128.000 57.72%
2012 35.560.000 23.71%
2013 28.881.000 -23.13%
2014 22.447.000 -28.66%
2015 18.450.000 -21.66%
2016 36.984.000 50.11%
2017 34.495.000 -7.22%
2018 36.827.000 6.33%
2019 33.786.000 -9%
2020 13.861.000 -143.75%
2021 69.959.000 80.19%
2022 78.381.000 10.74%
2023 68.194.000 -14.94%
2024 12.284.000 -455.14%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Kearny Financial Corp. Operating Cashflow
Year Operating Cashflow Growth
2002 21.158.000
2003 9.370.000 -125.81%
2004 14.603.000 35.84%
2005 19.634.000 25.62%
2006 15.137.000 -29.71%
2007 12.556.000 -20.56%
2008 16.248.000 22.72%
2009 20.156.000 19.39%
2010 12.729.000 -58.35%
2011 28.789.000 55.79%
2012 37.357.000 22.94%
2013 29.923.000 -24.84%
2014 26.007.000 -15.06%
2015 20.502.000 -26.85%
2016 39.177.000 47.67%
2017 38.530.000 -1.68%
2018 45.095.000 14.56%
2019 39.923.000 -12.95%
2020 19.821.000 -101.42%
2021 75.417.000 73.72%
2022 81.301.000 7.24%
2023 69.549.000 -16.9%
2024 12.284.000 -466.18%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Kearny Financial Corp. Capital Expenditure
Year Capital Expenditure Growth
2002 4.426.000
2003 3.714.000 -19.17%
2004 8.079.000 54.03%
2005 9.877.000 18.2%
2006 2.862.000 -245.11%
2007 1.359.000 -110.6%
2008 1.437.000 5.43%
2009 2.328.000 38.27%
2010 1.258.000 -85.06%
2011 1.661.000 24.26%
2012 1.797.000 7.57%
2013 1.042.000 -72.46%
2014 3.560.000 70.73%
2015 2.052.000 -73.49%
2016 2.193.000 6.43%
2017 4.035.000 45.65%
2018 8.268.000 51.2%
2019 6.137.000 -34.72%
2020 5.960.000 -2.97%
2021 5.458.000 -9.2%
2022 2.920.000 -86.92%
2023 1.355.000 -115.5%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Kearny Financial Corp. Equity
Year Equity Growth
2003 295.669.000
2004 293.505.000 -0.74%
2005 505.482.000 41.94%
2006 490.886.000 -2.97%
2007 462.592.000 -6.12%
2008 471.371.000 1.86%
2009 476.881.000 1.16%
2010 -485.926.000 198.14%
2011 487.930.000 199.59%
2012 491.617.000 0.75%
2013 467.707.000 -5.11%
2014 494.676.000 5.45%
2015 1.167.375.000 57.62%
2016 1.147.629.000 -1.72%
2017 1.057.181.000 -8.56%
2018 1.268.748.000 16.68%
2019 1.127.159.000 -12.56%
2020 1.084.177.000 -3.96%
2021 1.042.944.000 -3.95%
2022 894.000.000 -16.66%
2023 869.284.000 -2.84%
2024 849.534.000 -2.32%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Kearny Financial Corp. Assets
Year Assets Growth
2003 1.996.482.000
2004 1.936.518.000 -3.1%
2005 2.107.005.000 8.09%
2006 2.007.525.000 -4.96%
2007 1.917.253.000 -4.71%
2008 2.083.039.000 7.96%
2009 2.125.482.000 2%
2010 2.339.813.000 9.16%
2011 2.903.863.000 19.42%
2012 2.937.006.000 1.13%
2013 3.145.360.000 6.62%
2014 3.510.009.000 10.39%
2015 4.237.187.000 17.16%
2016 4.500.059.000 5.84%
2017 4.818.127.000 6.6%
2018 6.579.874.000 26.77%
2019 6.634.829.000 0.83%
2020 6.758.175.000 1.83%
2021 7.283.735.000 7.22%
2022 7.719.883.000 5.65%
2023 8.064.815.000 4.28%
2024 7.974.866.000 -1.13%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Kearny Financial Corp. Liabilities
Year Liabilities Growth
2003 1.700.813.000
2004 1.643.013.000 -3.52%
2005 1.601.523.000 -2.59%
2006 1.516.639.000 -5.6%
2007 1.454.661.000 -4.26%
2008 1.611.668.000 9.74%
2009 1.648.601.000 2.24%
2010 2.825.739.000 41.66%
2011 2.415.933.000 -16.96%
2012 2.445.389.000 1.2%
2013 2.677.653.000 8.67%
2014 3.015.333.000 11.2%
2015 3.069.812.000 1.77%
2016 3.352.430.000 8.43%
2017 3.760.946.000 10.86%
2018 5.311.126.000 29.19%
2019 5.507.670.000 3.57%
2020 5.673.998.000 2.93%
2021 685.876.000 -727.26%
2022 6.825.883.000 89.95%
2023 1.506.812.000 -353%
2024 1.626.933.000 7.38%

Kearny Financial Corp. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.66
Net Income per Share
0.54
Price to Earning Ratio
15.11x
Price To Sales Ratio
3.15x
POCF Ratio
8.43
PFCF Ratio
8.7
Price to Book Ratio
0.61
EV to Sales
12.54
EV Over EBITDA
19.46
EV to Operating CashFlow
34.32
EV to FreeCashFlow
34.58
Earnings Yield
0.07
FreeCashFlow Yield
0.11
Market Cap
0,53 Bil.
Enterprise Value
2,10 Bil.
Graham Number
12.82
Graham NetNet
-5.26

Income Statement Metrics

Net Income per Share
0.54
Income Quality
1.79
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.02
Net Income per EBT
0.62
EBT Per Ebit
0.44
Ebit per Revenue
0.45
Effective Tax Rate
0.38

Margins

Sales, General, & Administrative to Revenue
0.48
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.03
Gross Profit Margin
1
Operating Profit Margin
0.45
Pretax Profit Margin
0.2
Net Profit Margin
0.12

Dividends

Dividend Yield
0.05
Dividend Yield %
5.38
Payout Ratio
0.62
Dividend Per Share
0.44

Operating Metrics

Operating Cashflow per Share
0.97
Free CashFlow per Share
0.96
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0
Capex to Depreciation
-0.08
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
64.93
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
5.62
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.01

Balance Sheet

Cash per Share
20,20
Book Value per Share
13,48
Tangible Book Value per Share
97.35
Shareholders Equity per Share
13.48
Interest Debt per Share
28.1
Debt to Equity
1.92
Debt to Assets
0.2
Net Debt to EBITDA
14.56
Current Ratio
0
Tangible Asset Value
6,13 Bil.
Net Current Asset Value
-0,32 Bil.
Invested Capital
1.92
Working Capital
1,30 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,03 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Kearny Financial Corp. Dividends
Year Dividends Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Kearny Financial Corp. Profile

About Kearny Financial Corp.

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. The company offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. It also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family first mortgage loans, and home equity loans and lines of credit; loans to individuals for the construction or renovation of one- to four-family residences, or for the construction of commercial real estate or multi-family residential buildings; overdraft lines of credit; and personal loans. In addition, the company engages in investment activities. As of August 18, 2021, it operated a total of 48 branch offices located throughout northern and central New Jersey and Brooklyn and Staten Island, New York. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.

CEO
Mr. Craig L. Montanaro
Employee
556
Address
120 Passaic Avenue
Fairfield, 07004

Kearny Financial Corp. Executives & BODs

Kearny Financial Corp. Executives & BODs
# Name Age
1 Mr. Sean M. Byrnes
Executive Vice President & Deputy Chief Financial Officer
70
2 Mr. Craig L. Montanaro
President, Chief Executive Officer & Director
70
3 Ms. Erika K. Parisi
Executive Vice President & Chief Administrative Officer
70
4 Mr. Patrick M. Joyce
Executive Vice President & Chief Lending Officer
70
5 Mr. Timothy A. Swansson
Executive Vice President and Chief Technology & Innovation Officer
70
6 Taryn Rockwell
Investor Relations Associate
70
7 Mr. John V. Dunne
Executive Vice President & Chief Risk Officer
70
8 Mr. Keith Suchodolski
Senior Executive Vice President & Chief Financial Officer
70
9 Mr. Thomas D. DeMedici
Executive Vice President & Chief Credit Officer
70
10 Mr. Anthony V. Bilotta Jr.
Executive Vice President & Chief Banking Officer
70

Kearny Financial Corp. Competitors