Provides interest-bearing and non-interest-bearing checking accounts. Offers money market deposit accounts and savings accounts. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 10% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 17× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 94% of them.
Analysts' average target sits 10% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Business Quality: Profit power and business quality trail similar companies in the sector.
The stock trades 29% below its peak. The market has trimmed its expectations for the company.
Over the last 4 years, sales grew about 10% a year on average.
Over the last 12 months, company executives reported 40 buys and 28 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.44 per share each year — regular cash for whoever holds the stock.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 48/100.
On our five-subject report card, KRNY sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: KRNY is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.