Kearny Financial Corp (KRNY)vsU.S. Bancorp (USB)
KRNY
Kearny Financial Corp
$7.34
-0.14%
FINANCIAL SERVICES · Cap: $448.35M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 16054% more annual revenue ($26.35B vs $163.14M). USB leads profitability with a 28.7% profit margin vs 19.8%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
KRNY
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+67.0%
Fair Value
$24.34
Current Price
$7.34
$17.00 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 31.1%
Earnings expanding 50.0% YoY
Attractively priced relative to earnings
15.0% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.3% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KRNY
The strongest argument for KRNY centers on Price/Book, Operating Margin, EPS Growth. Profitability is solid with margins at 19.8% and operating margin at 31.1%. Revenue growth of 15.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : KRNY
The primary concerns for KRNY are Market Cap, Return on Equity, PEG Ratio. Debt-to-equity of 2.63 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
KRNY is growing revenue faster at 15.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 28.7% margins. KRNY offers better value entry with a 67.0% margin of safety. Both earn "Strong Buy" and "Strong 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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