Bank7 Corp. (BSVN) vs Kearny Financial (KRNY)

Bank7 Corp. and Kearny Financial are both Banks Regional companies. Bank7 Corp. and Kearny Financial are of similar size ($586.3M and $556.7M). Bank7 Corp. trades at the lower P/E: 13.2× against 15.6×. Kearny Financial grew revenue faster over the last twelve months: 1.22% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs 10.6%) and the higher return on invested capital (78.0% vs 4.70%). Both pay a dividend; Kearny Financial yields more (4.87% vs 1.90%). Across the 18 metrics below, Bank7 Corp. leads on 13 and Kearny Financial on 5.

Valuation

Metric BSVN KRNY Banks Regional median
P/E 13.17 15.57 12.02
P/S 4.02 1.64 2.36
P/B 2.09 0.75 1.23
Price to free cash flow 11.29 12.12 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.59% 6.42% 8.21%
Free cash flow yield 8.86% 8.25% 9.23%

Profitability

Metric BSVN KRNY Banks Regional median
Gross margin 71.17% 51.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% 10.57% 18.82%
Free cash flow margin 35.58% 13.08% 17.97%
Return on equity 16.85% 4.88% 10.28%
Return on assets 2.24% 0.48% 1.13%
Return on invested capital 77.98% 4.70% 8.45%

Growth

Metric BSVN KRNY Banks Regional median
Revenue growth (TTM) (0.23%) 1.22% 6.37%
EPS growth (last fiscal year) (7.02%) 35.71% 18.85%
Revenue growth, 5-year CAGR 20.08% 6.02% 12.65%
Net income growth, 5-year CAGR 17.46% (10.52%) 9.81%

Health

Metric BSVN KRNY Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 1.11 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN KRNY Banks Regional median
Dividend yield 1.90% 4.87% 2.49%
Payout ratio 0.25 0.76 0.29

Size

Metric BSVN KRNY Banks Regional median
Market cap 556.69m 586.31m 934.85m

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