Kearny Financial Corp. (KRNY) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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WSFS Financial Corp.

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TrustCo Bank Corp. NY

OceanFirst Financial Corp.

Kearny Financial Corp.

Why is Kearny Financial Corp. ?

The Bank has a high Capital Adequacy Ratio of 15.65% signifying high buffers against its risk based assets

Positive results in Dec 25

NII(Q) Highest at USD 37.97 MM
NET PROFIT(HY) At USD 18.95 MM has Grown at 49.75%
ROCE(HY) Highest at 0.42%

With ROA of 0.28%, it has a very attractive valuation with a 0.64 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 11.23%, its profits have risen by 18.4% ; the PEG ratio of the company is 0.8
At the current price, the company has a high dividend yield of 0

High Institutional Holdings at 72.77%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Kearny Financial Corp. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Kearny Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Kearny Financial Corp.

14.04%

0.99

30.88%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

6.40%

EBIT Growth (5y)

-9.27%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

105.82%

Pledged Shares

Institutional Holding

72.77%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.64

EV to EBIT

38.80

EV to EBITDA

34.22

EV to Capital Employed

0.83

EV to Sales

4.21

PEG Ratio

0.83

Dividend Yield

ROCE (Latest)

2.15%

ROE (Latest)

4.27%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

NII(Q)

Highest at USD 37.97 MM

NET PROFIT(HY)

At USD 18.95 MM has Grown at 49.75%

ROCE(HY)

Highest at 0.42%

OPERATING PROFIT MARGIN(Q)

Highest at 14.61 %

-4What is not working for the Company

ROCE(HY)

Lowest at 0.42%

CASH AND EQV(HY)

Lowest at USD 35.28 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 100.73%

Here's what is working for Kearny Financial Corp.

NII

Highest at USD 37.97 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit Margin

Highest at 14.61 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Net Profit

At USD 18.95 MM has Grown at 49.75%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

CASA

Highest at 14.67%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Kearny Financial Corp.

Cash and Eqv

Lowest at USD 35.28 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 100.73%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)