企業概要
Kearny Financial Corp. operates as a holding company overseeing Kearny Bank, which delivers a comprehensive suite of banking products and services across the United States. The institution provides various deposit solutions, encompassing interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, and savings accounts. This entity functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, indicating its focus on localized lending and deposit gathering rather than national or international dominance. The company's scale is defined by a market capitalization of $514.38M and an annual revenue of $163.14M, supported by an operational workforce of 504 employees. These valuation and revenue figures suggest that Kearny Financial Corp. maintains a mid-cap profile typical of regional banks, reflecting a business model reliant on organic community growth rather than massive scale economies found in major national financial institutions.
財務健全性
The company reported revenue of $163.14M over the trailing twelve months, generating net income of $32.37M, while EBITDA data is not available in the current reporting structure. The significant disparity between the $163.14M in revenue and the $32.37M in net income highlights a substantial cost structure inherent to banking operations, where interest expenses, provisions for loan losses, and operating overhead absorb a large portion of gross inflows before reaching the bottom line. While free cash flow metrics are not disclosed, the company holds a cash reserve of $154.26M against total debt of $1.10B. The available margins reveal a gross margin of 0.0%, which is standard for financial intermediaries that pass through interest costs, an operating margin of 31.1% demonstrating efficient management of core banking activities, and a profit margin of 19.8% indicating solid profitability relative to total sales. In terms of liquidity positioning, the company possesses $154.26M in cash assets while carrying $1.10B in debt obligations. The debt-to-equity ratio is not explicitly listed, and the current ratio is also unavailable, preventing a direct assessment of short-term liquidity coverage relative to immediate obligations. Return on Equity stands at 4.3% and Return on Assets is recorded at 0.4%, metrics that reveal the company generates modest returns on its asset base and equity capital, a characteristic often seen in regional banks managing higher capital requirements and lower leverage ratios compared to national peers.
バリュエーション評価
Valuation metrics indicate a trailing P/E ratio of 15.73 and a forward P/E of 9.51, suggesting the market anticipates a significant acceleration in earnings growth that would compress the multiple over the coming year. The price-to-book ratio is 0.68, signaling that the market values the company at less than its book value, which may reflect conservative accounting or specific regional risks rather than a fundamental lack of assets. Alternative valuation measures such as the price-to-sales ratio of 3.15 and the unavailable EV/EBITDA provide additional context, though the high P/S relative to the low P/B suggests the market is pricing in revenue growth potential more than current asset book value. Regarding price action, the 52-week high is $8.50 and the 52-week low is $5.55, establishing a trading range of $2.95 where the current valuation sits dynamically. The beta value is 0.64, indicating that the stock's price volatility is significantly lower than the broader market, offering a relatively stable investment profile for risk-averse capital.
Growth & Income
Revenue growth year-over-year is recorded at 15.0%, while earnings growth year-over-year is substantially higher at 50.0%, implying that the company is improving its cost efficiency or benefiting from asset mix changes that drive profitability faster than top-line expansion. As a dividend payer, the company offers a dividend yield of 5.4% with a payout ratio of 84.6%, which requires careful monitoring to ensure sustainability given that the payout exceeds the net income available to common shareholders on a per-share basis if fully distributed. The high payout ratio suggests that the company is distributing a large portion of its earnings, potentially leveraging retained earnings or cash reserves to maintain the yield while reinvesting the remainder into the business. Overall, the growth and income profile presents a scenario of strong earnings momentum paired with a high-yield dividend, characteristic of mature regional banks seeking to provide income while continuing to expand their loan portfolios and deposit bases.