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Carter Bankshares, Inc. (CARE) vs Kearny Financial (KRNY)

Carter Bankshares, Inc. and Kearny Financial are both Banks Regional companies. Carter Bankshares, Inc. and Kearny Financial are of similar size ($629.2M and $586.3M). Carter Bankshares, Inc. trades at the lower P/E: 4.8× against 15.6×. Carter Bankshares, Inc. grew revenue faster over the last twelve months: 39.7% against 1.22%. Kearny Financial has the higher net margin (10.6% vs 0.00%) and the lower return on invested capital (4.70% vs 23.1%). Both pay a dividend; Kearny Financial yields more (4.87% vs 0.70%). Across the 19 metrics below, Kearny Financial leads on 10 and Carter Bankshares, Inc. on 9.

Valuation

Metric CARE KRNY Banks Regional median
P/E 4.81 15.57 12.02
P/S 1.76 1.64 2.36
P/B 1.18 0.75 1.23
Price to free cash flow 12.80 12.12 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 20.81% 6.42% 8.21%
Free cash flow yield 7.82% 8.25% 9.23%

Profitability

Metric CARE KRNY Banks Regional median
Gross margin 74.33% 51.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 10.57% 18.82%
Free cash flow margin 13.77% 13.08% 17.97%
Return on equity 0.00% 4.88% 10.28%
Return on assets 0.00% 0.48% 1.13%
Return on invested capital 23.13% 4.70% 8.45%

Growth

Metric CARE KRNY Banks Regional median
Revenue growth (TTM) 39.69% 1.22% 6.37%
EPS growth (last fiscal year) 30.19% 35.71% 18.85%
Revenue growth, 5-year CAGR 8.73% 6.02% 12.65%
Net income growth, 5-year CAGR 0.00% (10.52%) 9.81%

Health

Metric CARE KRNY Banks Regional median
Debt to equity 0.04 0.00 0.17
Current ratio 0.93 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CARE KRNY Banks Regional median
Dividend yield 0.70% 4.87% 2.49%
Payout ratio 0.03 0.76 0.29

Size

Metric CARE KRNY Banks Regional median
Market cap 629.16m 586.31m 934.85m

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