First Business Financial Services, Inc. (FBIZ) vs Kearny Financial (KRNY)

First Business Financial Services, Inc. and Kearny Financial are both Banks Regional companies. First Business Financial Services, Inc. and Kearny Financial are of similar size ($623.6M and $586.3M). First Business Financial Services, Inc. trades at the lower P/E: 11.0× against 15.6×. First Business Financial Services, Inc. grew revenue faster over the last twelve months: 4.43% against 1.22%. First Business Financial Services, Inc. has the higher net margin (19.3% vs 10.6%) and the higher return on invested capital (8.54% vs 4.70%). Both pay a dividend; Kearny Financial yields more (4.87% vs 1.74%). Across the 19 metrics below, First Business Financial Services, Inc. leads on 14 and Kearny Financial on 5.

Valuation

Metric FBIZ KRNY Banks Regional median
P/E 11.03 15.57 12.02
P/S 2.14 1.64 2.36
P/B 1.58 0.75 1.23
Price to free cash flow 9.12 12.12 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.07% 6.42% 8.21%
Free cash flow yield 10.97% 8.25% 9.23%

Profitability

Metric FBIZ KRNY Banks Regional median
Gross margin 62.45% 51.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.30% 10.57% 18.82%
Free cash flow margin 23.46% 13.08% 17.97%
Return on equity 15.12% 4.88% 10.28%
Return on assets 1.32% 0.48% 1.13%
Return on invested capital 8.54% 4.70% 8.45%

Growth

Metric FBIZ KRNY Banks Regional median
Revenue growth (TTM) 4.43% 1.22% 6.37%
EPS growth (last fiscal year) 14.23% 35.71% 18.85%
Revenue growth, 5-year CAGR 18.18% 6.02% 12.65%
Net income growth, 5-year CAGR 23.98% (10.52%) 9.81%

Health

Metric FBIZ KRNY Banks Regional median
Debt to equity 0.46 0.00 0.17
Current ratio 1.02 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBIZ KRNY Banks Regional median
Dividend yield 1.74% 4.87% 2.49%
Payout ratio 0.19 0.76 0.29

Size

Metric FBIZ KRNY Banks Regional median
Market cap 623.57m 586.31m 934.85m

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