Kearny Financial Corp (KRNY)vsRoyal Bank of Canada (RY)
KRNY
Kearny Financial Corp
$9.78
-0.51%
FINANCIAL SERVICES · Cap: $653.19M
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 37965% more annual revenue ($67.15B vs $176.41M). RY leads profitability with a 33.9% profit margin vs 20.6%. RY appears more attractively valued with a PEG of 2.35. RY earns a higher WallStSmart Score of 63/100 (C+).
KRNY
Buy62
out of 100
Grade: C+
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.8%
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.7% — below average capital efficiency
Elevated debt levels
Expensive relative to growth rate
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : KRNY
The strongest argument for KRNY centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.6% and operating margin at 29.8%. Revenue growth of 14.9% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, Debt/Equity.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
RY carries more volatility with a beta of 0.92 — expect wider price swings.
KRNY is growing revenue faster at 14.9% — sustainability is the question.
KRNY generates stronger free cash flow (7M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
RY scores higher overall (63/100 vs 62/100), backed by strong 33.9% margins. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Kearny Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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