PROV vs KRNY vs WAFD vs CFFN

For growth investors, Capitol Federal Financial, Inc.

(CFFN) is the stronger pick with 10. 0% revenue growth year-over-year, versus -1. 6% for WaFd, Inc. (WAFD). WaFd, Inc. (WAFD) offers the better valuation at 14. 1x trailing P/E (11. 4x forward), making it the more compelling value choice. Analysts rate Provident Financial Holdings, Inc. (PROV) a "Hold" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, WaFd, Inc.

(WAFD) is the cheapest at 14. 1x versus Kearny Financial Corp. at 20. 9x. On forward P/E, WaFd, Inc. is actually cheaper at 11. 4x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: WaFd, Inc. wins at 3. 69x versus Capitol Federal Financial, Inc. 's 6. 12x.

Over the past 5 years, WaFd, Inc.

(WAFD) delivered a total return of +29. 5%, compared to -13. 2% for Capitol Federal Financial, Inc. (CFFN). Over 10 years, the gap is even starker: WAFD returned +91. 9% versus KRNY's -7. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Provident Financial Holdings, Inc.

(PROV) is the lower-risk stock at 0. 21β versus Capitol Federal Financial, Inc. 's 0. 90β — meaning CFFN is approximately 334% more volatile than PROV relative to the S&P 500. On balance sheet safety, WaFd, Inc. (WAFD) carries a lower debt/equity ratio of 60% versus 186% for Capitol Federal Financial, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Capitol Federal Financial, Inc.

(CFFN) is pulling ahead at 10. 0% versus -1. 6% for WaFd, Inc. (WAFD). On earnings-per-share growth, the picture is similar: Kearny Financial Corp. grew EPS 130. 2% year-over-year, compared to -12. 3% for Provident Financial Holdings, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Capitol Federal Financial, Inc.

(CFFN) is the more profitable company, earning 16. 3% net margin versus 7. 6% for Kearny Financial Corp. — meaning it keeps 16. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: WAFD leads at 20. 5% versus 9. 0% for KRNY. At the gross margin level — before operating expenses — PROV leads at 65. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, WaFd, Inc. (WAFD) is the more undervalued stock at a PEG of 3. 69x versus Capitol Federal Financial, Inc. 's 6. 12x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, WaFd, Inc. (WAFD) trades at 11. 4x forward P/E versus 15. 4x for Provident Financial Holdings, Inc. — 4. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KRNY: 8. 1% to $9. 50.

All stocks in this comparison pay dividends.

Kearny Financial Corp. (KRNY) offers the highest yield at 5. 0%, versus 2. 8% for WaFd, Inc. (WAFD).

For long-horizon retirement investors, Provident Financial Holdings, Inc.

(PROV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 21), 3. 3% yield). Both have compounded well over 10 years (PROV: +25. 8%, CFFN: +12. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: PROV is a small-cap income-oriented stock; KRNY is a small-cap income-oriented stock; WAFD is a small-cap deep-value stock; CFFN is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.