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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 3/10

vs
industry
vs
history
Cash-to-Debt 0.10
KRNY's Cash-to-Debt is ranked lower than
94% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.05 vs. KRNY: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
KRNY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.86 Max: No Debt
Current: 0.1
Equity-to-Asset 0.22
KRNY's Equity-to-Asset is ranked higher than
92% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. KRNY: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
KRNY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.14  Med: 0.21 Max: 0.28
Current: 0.22
0.14
0.28
Debt-to-Equity 0.76
KRNY's Debt-to-Equity is ranked lower than
55% of the 1247 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. KRNY: 0.76 )
Ranked among companies with meaningful Debt-to-Equity only.
KRNY' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06  Med: 0.5 Max: 1.04
Current: 0.76
0.06
1.04
Debt-to-EBITDA 26.52
KRNY's Debt-to-EBITDA is ranked lower than
92% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.03 vs. KRNY: 26.52 )
Ranked among companies with meaningful Debt-to-EBITDA only.
KRNY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 15.51  Med: 23.63 Max: 76.25
Current: 26.52
15.51
76.25
Interest Coverage 0.75
KRNY's Interest Coverage is ranked lower than
73% of the 1562 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.72 vs. KRNY: 0.75 )
Ranked among companies with meaningful Interest Coverage only.
KRNY' s Interest Coverage Range Over the Past 10 Years
Min: 0.16  Med: 0.35 Max: 0.75
Current: 0.75
0.16
0.75
Beneish M-Score: -2.47
WACC vs ROIC
4.46%
1.09%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 24.07
KRNY's Operating Margin % is ranked lower than
69% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 32.07 vs. KRNY: 24.07 )
Ranked among companies with meaningful Operating Margin % only.
KRNY' s Operating Margin % Range Over the Past 10 Years
Min: 4.92  Med: 17.1 Max: 24.07
Current: 24.07
4.92
24.07
Net Margin % 16.33
KRNY's Net Margin % is ranked lower than
72% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.99 vs. KRNY: 16.33 )
Ranked among companies with meaningful Net Margin % only.
KRNY' s Net Margin % Range Over the Past 10 Years
Min: 6.36  Med: 11.51 Max: 16.33
Current: 16.33
6.36
16.33
ROE % 1.68
KRNY's ROE % is ranked lower than
89% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. KRNY: 1.68 )
Ranked among companies with meaningful ROE % only.
KRNY' s ROE % Range Over the Past 10 Years
Min: 0.68  Med: 1.37 Max: 2.12
Current: 1.68
0.68
2.12
ROA % 0.40
KRNY's ROA % is ranked lower than
79% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. KRNY: 0.40 )
Ranked among companies with meaningful ROA % only.
KRNY' s ROA % Range Over the Past 10 Years
Min: 0.15  Med: 0.3 Max: 0.4
Current: 0.4
0.15
0.4
3-Year Revenue Growth Rate 14.30
KRNY's 3-Year Revenue Growth Rate is ranked higher than
83% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. KRNY: 14.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
KRNY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -93.7  Med: 5.8 Max: 15.2
Current: 14.3
-93.7
15.2
3-Year EBITDA Growth Rate 23.80
KRNY's 3-Year EBITDA Growth Rate is ranked higher than
83% of the 1396 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. KRNY: 23.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
KRNY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -93.5  Med: -5 Max: 34.6
Current: 23.8
-93.5
34.6
3-Year EPS without NRI Growth Rate 26.00
KRNY's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. KRNY: 26.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
KRNY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -93.9  Med: 1.05 Max: 48.5
Current: 26
-93.9
48.5
GuruFocus has detected 7 Warning Signs with Kearny Financial Corp KRNY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» KRNY's 30-Y Financials

Financials (Next Earnings Date: 2017-10-27)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

KRNY Guru Trades in Q3 2016

Jim Simons 2,902,045 sh (+2.05%)
Keeley Asset Management Corp 2,562,724 sh (-10.01%)
Chuck Royce 158,300 sh (-13.64%)
Michael Price 1,000,000 sh (-29.82%)
Paul Tudor Jones 44,062 sh (-43.15%)
» More
Q4 2016

KRNY Guru Trades in Q4 2016

Jim Simons 3,122,521 sh (+7.60%)
Michael Price 1,000,000 sh (unchged)
Paul Tudor Jones 42,472 sh (-3.61%)
Keeley Asset Management Corp 2,226,479 sh (-13.12%)
Chuck Royce 125,800 sh (-20.53%)
» More
Q1 2017

KRNY Guru Trades in Q1 2017

Jim Simons 3,441,018 sh (+10.20%)
Chuck Royce 135,800 sh (+7.95%)
Paul Tudor Jones 43,959 sh (+3.50%)
Michael Price 1,000,000 sh (unchged)
» More
Q2 2017

KRNY Guru Trades in Q2 2017

Jim Simons 3,703,521 sh (+7.63%)
Paul Tudor Jones 44,515 sh (+1.26%)
Michael Price 1,000,000 sh (unchged)
Chuck Royce 135,800 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with KRNY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Keeley Asset Management Corp 2016-12-31 Reduce -13.12%0.19%$13.59 - $16 $ 15.455%2,226,479
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:EBSB, NAS:UBNK, NAS:LOB, NAS:OCFC, NAS:FFIC, NAS:DCOM, NAS:NWBI, NAS:BOFI, NYSE:PFS, NAS:CASH, NAS:HMST, NZSE:HBL, OSTO:NDX, NAS:HONE, NAS:WSBF, NAS:FDEF, NAS:CFFN, NYSE:FBC, NAS:UCFC, NAS:BKMU » details
Headquarter Location:USA
Kearny Financial Corp operates federally-chartered stock savings bank. The company is engaged in the business of attracting deposits from the public. These deposits are used to originate or purchase loans for its portfolios and invest in securities.

Kearny Financial Corp is a Maryland holding company for Kearny Bank, a federally-chartered stock savings bank. The bank is primarily engaged in the business of attracting deposits from the general public in New Jersey and New York, and using these deposits, together with other funds, to originate or purchase loans for its portfolios and invest in securities. The bank's loan portfolio is chiefly comprised of loans collateralized by commercial and residential real estate. It is also heavily into secured and unsecured business and consumer loans. The bank's primary source of income is net interest income.

Ratios

vs
industry
vs
history
PE Ratio 73.58
KRNY's PE Ratio is ranked lower than
97% of the 1528 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. KRNY: 73.58 )
Ranked among companies with meaningful PE Ratio only.
KRNY' s PE Ratio Range Over the Past 10 Years
Min: 63.19  Med: 103.09 Max: 481.43
Current: 73.58
63.19
481.43
Forward PE Ratio 62.11
KRNY's Forward PE Ratio is ranked lower than
99% of the 372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. KRNY: 62.11 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 73.58
KRNY's PE Ratio without NRI is ranked lower than
96% of the 1531 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.75 vs. KRNY: 73.58 )
Ranked among companies with meaningful PE Ratio without NRI only.
KRNY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 63.64  Med: 117.02 Max: 337
Current: 73.58
63.64
337
Price-to-Owner-Earnings 78.05
KRNY's Price-to-Owner-Earnings is ranked lower than
96% of the 922 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.44 vs. KRNY: 78.05 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
KRNY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 36.67  Med: 82.44 Max: 1114.55
Current: 78.05
36.67
1114.55
PB Ratio 1.23
KRNY's PB Ratio is ranked higher than
50% of the 1636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. KRNY: 1.23 )
Ranked among companies with meaningful PB Ratio only.
KRNY' s PB Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.4 Max: 2.47
Current: 1.23
0.87
2.47
PS Ratio 11.47
KRNY's PS Ratio is ranked lower than
95% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. KRNY: 11.47 )
Ranked among companies with meaningful PS Ratio only.
KRNY' s PS Ratio Range Over the Past 10 Years
Min: 7.17  Med: 11.32 Max: 22.12
Current: 11.47
7.17
22.12
Price-to-Free-Cash-Flow 37.87
KRNY's Price-to-Free-Cash-Flow is ranked lower than
92% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.78 vs. KRNY: 37.87 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
KRNY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 16.27  Med: 41.92 Max: 93.36
Current: 37.87
16.27
93.36
Price-to-Operating-Cash-Flow 33.88
KRNY's Price-to-Operating-Cash-Flow is ranked lower than
93% of the 957 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.35 vs. KRNY: 33.88 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
KRNY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 15.47  Med: 37.42 Max: 82.67
Current: 33.88
15.47
82.67
EV-to-EBIT 73.09
KRNY's EV-to-EBIT is ranked lower than
95% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.71 vs. KRNY: 73.09 )
Ranked among companies with meaningful EV-to-EBIT only.
KRNY' s EV-to-EBIT Range Over the Past 10 Years
Min: 38.5  Med: 88.95 Max: 386.4
Current: 73.09
38.5
386.4
EV-to-EBITDA 65.92
KRNY's EV-to-EBITDA is ranked lower than
96% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.38 vs. KRNY: 65.92 )
Ranked among companies with meaningful EV-to-EBITDA only.
KRNY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 32.2  Med: 68.85 Max: 207.1
Current: 65.92
32.2
207.1
EV-to-Revenue 17.59
KRNY's EV-to-Revenue is ranked lower than
95% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.22 vs. KRNY: 17.59 )
Ranked among companies with meaningful EV-to-Revenue only.
KRNY' s EV-to-Revenue Range Over the Past 10 Years
Min: 6.6  Med: 15.05 Max: 21.6
Current: 17.59
6.6
21.6
PEG Ratio 3.16
KRNY's PEG Ratio is ranked lower than
75% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.52 vs. KRNY: 3.16 )
Ranked among companies with meaningful PEG Ratio only.
KRNY' s PEG Ratio Range Over the Past 10 Years
Min: 3.04  Med: 14.58 Max: 331.28
Current: 3.16
3.04
331.28
Shiller PE Ratio 143.58
KRNY's Shiller PE Ratio is ranked lower than
98% of the 508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. KRNY: 143.58 )
Ranked among companies with meaningful Shiller PE Ratio only.
KRNY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.15  Med: 133.64 Max: 170
Current: 143.58
0.15
170

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.71
KRNY's Dividend Yield % is ranked lower than
93% of the 2337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.62 vs. KRNY: 0.71 )
Ranked among companies with meaningful Dividend Yield % only.
KRNY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.16  Med: 1.63 Max: 2.48
Current: 0.71
0.16
2.48
Dividend Payout Ratio 0.45
KRNY's Dividend Payout Ratio is ranked lower than
69% of the 1387 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. KRNY: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
KRNY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.44  Med: 1.88 Max: 2.23
Current: 0.45
0.44
2.23
Forward Dividend Yield % 0.77
KRNY's Forward Dividend Yield % is ranked lower than
93% of the 2240 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. KRNY: 0.77 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.71
KRNY's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2723 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.29 vs. KRNY: 0.71 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
KRNY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.16  Med: 1.63 Max: 2.48
Current: 0.71
0.16
2.48
3-Year Average Share Buyback Ratio 3.20
KRNY's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1129 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.20 vs. KRNY: 3.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
KRNY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1474.7  Med: 0.6 Max: 3.2
Current: 3.2
-1474.7
3.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.37
KRNY's Price-to-Tangible-Book is ranked lower than
53% of the 1630 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. KRNY: 1.37 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
KRNY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.99  Med: 1.94 Max: 2.74
Current: 1.37
0.99
2.74
Price-to-Intrinsic-Value-Projected-FCF 1.07
KRNY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
68% of the 857 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. KRNY: 1.07 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
KRNY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.84  Med: 1.07 Max: 1.63
Current: 1.07
0.84
1.63
Price-to-Intrinsic-Value-DCF (Earnings Based) 3.46
KRNY's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
100% of the 154 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. KRNY: 3.46 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
KRNY' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 3.32  Med: 4.36 Max: 5.4
Current: 3.46
3.32
5.4
Price-to-Median-PS-Value 1.01
KRNY's Price-to-Median-PS-Value is ranked higher than
69% of the 1469 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. KRNY: 1.01 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
KRNY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.01  Med: 0.98 Max: 1.74
Current: 1.01
0.01
1.74
Price-to-Peter-Lynch-Fair-Value 3.43
KRNY's Price-to-Peter-Lynch-Fair-Value is ranked lower than
92% of the 439 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. KRNY: 3.43 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
KRNY' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 3.29  Med: 9.3 Max: 9.49
Current: 3.43
3.29
9.49
Price-to-Graham-Number 2.12
KRNY's Price-to-Graham-Number is ranked lower than
95% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. KRNY: 2.12 )
Ranked among companies with meaningful Price-to-Graham-Number only.
KRNY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.8  Med: 3.01 Max: 7.08
Current: 2.12
1.8
7.08
Earnings Yield (Greenblatt) % 1.35
KRNY's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.51 vs. KRNY: 1.35 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
KRNY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.3  Med: 1.1 Max: 2.6
Current: 1.35
0.3
2.6
Forward Rate of Return (Yacktman) % 23.59
KRNY's Forward Rate of Return (Yacktman) % is ranked higher than
76% of the 981 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.33 vs. KRNY: 23.59 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
KRNY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -2090.2  Med: 5.2 Max: 1218.7
Current: 23.59
-2090.2
1218.7

More Statistics

Revenue (TTM) (Mil) $113.92
EPS (TTM) $ 0.21
Beta0.44
Short Percentage of Float4.25%
52-Week Range $13.35 - 16.10
Shares Outstanding (Mil)82.61

Analyst Estimate

Jun18 Jun19
Revenue (Mil $)
EPS ($) 0.25 0.34
EPS without NRI ($) 0.25 0.34
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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