Tearsheet
KRNY Home Investment Highlights Valuation, Metrics & Events Price Chart Why The Stock Moved Return vs. Risk About KRNY Interactive Breakdown Better Bets vs. KRNY Latest Trefis Analyses Trade Ideas More From Trefis Peer Comparisons FDIC Bank Data FDA Approved Drugs Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Forward Guidance Insider Activity Trade Sentinel Industry Resource Links External Quote Links

Kearny Financial (KRNY)

Market Price (4/25/2026): $7.765 | Market Cap: $488.1 Mil
Sector: Financials | Industry: Regional Banks

Kearny Financial (KRNY)

Market Price (4/25/2026): $7.765
Market Cap: $488.1 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%, FCF Yield is 8.0%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -11%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23%

Low stock price volatility
Vol 12M is 29%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.

Weak multi-year price returns
3Y Excs Rtn is -52%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.1%

Key risks
KRNY key risks include [1] net interest margin compression from its significant portfolio of slow-to-reprice fixed-rate loans, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%, FCF Yield is 8.0%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -11%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 23%
3 Low stock price volatility
Vol 12M is 29%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.
5 Weak multi-year price returns
3Y Excs Rtn is -52%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.1%
7 Key risks
KRNY key risks include [1] net interest margin compression from its significant portfolio of slow-to-reprice fixed-rate loans, Show more.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Kearny Financial (KRNY) stock has gained about 5% since 12/31/2025 because of the following key factors:

1. Kearny Financial demonstrated strong fiscal performance in the quarter ending March 31, 2026.

The company reported net income of $10.1 million, or $0.16 per diluted share, for the quarter, an increase from $9.4 million, or $0.15 per diluted share, in the prior quarter ending December 31, 2025. Additionally, revenue for the quarter was $45.33 million, significantly surpassing analyst estimates of $39.2 million by approximately 15.6%.

2. The company achieved its sixth consecutive quarter of net interest margin (NIM) expansion.

Kearny Financial's net interest margin expanded by seven basis points to 2.21% for the quarter ended March 31, 2026, up from 2.14% in the quarter ended December 31, 2025. This expansion contributed to a rise in net interest income to $39.2 million for the quarter ending March 31, 2026, compared to $38.0 million in the previous quarter, driven by lower costs and average balances on interest-bearing liabilities.

Show more
Holding a concentrated position? Know your true downside before the momentum shifts.
Protect Your Wealth →

Stock Movement Drivers

Fundamental Drivers

The 6.6% change in KRNY stock from 12/31/2025 to 4/24/2026 was primarily driven by a 5.8% change in the company's Net Income Margin (%).
(LTM values as of)123120254242026Change
Stock Price ($)7.317.796.6%
Change Contribution By: 
Total Revenues ($ Mil)1601673.8%
Net Income Margin (%)18.4%19.4%5.8%
P/E Multiple15.615.1-2.8%
Shares Outstanding (Mil)6363-0.2%
Cumulative Contribution6.6%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/24/2026
ReturnCorrelation
KRNY6.6% 
Market (SPY)4.2%33.1%
Sector (XLF)-6.1%51.5%

Fundamental Drivers

The 22.3% change in KRNY stock from 9/30/2025 to 4/24/2026 was primarily driven by a 14.8% change in the company's Net Income Margin (%).
(LTM values as of)93020254242026Change
Stock Price ($)6.377.7922.3%
Change Contribution By: 
Total Revenues ($ Mil)1541678.1%
Net Income Margin (%)16.9%19.4%14.8%
P/E Multiple15.315.1-1.1%
Shares Outstanding (Mil)6363-0.4%
Cumulative Contribution22.3%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/24/2026
ReturnCorrelation
KRNY22.3% 
Market (SPY)7.0%33.2%
Sector (XLF)-4.2%52.1%

Fundamental Drivers

The 33.1% change in KRNY stock from 3/31/2025 to 4/24/2026 was primarily driven by a 22.3% change in the company's P/S Multiple.
(LTM values as of)33120254242026Change
Stock Price ($)5.857.7933.1%
Change Contribution By: 
Total Revenues ($ Mil)1521679.4%
P/S Multiple2.42.922.3%
Shares Outstanding (Mil)6263-0.6%
Cumulative Contribution33.1%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/24/2026
ReturnCorrelation
KRNY33.1% 
Market (SPY)28.1%44.1%
Sector (XLF)4.3%54.2%

Fundamental Drivers

The 16.4% change in KRNY stock from 3/31/2023 to 4/24/2026 was primarily driven by a 65.2% change in the company's P/E Multiple.
(LTM values as of)33120234242026Change
Stock Price ($)6.697.7916.4%
Change Contribution By: 
Total Revenues ($ Mil)195167-14.6%
Net Income Margin (%)24.4%19.4%-20.2%
P/E Multiple9.215.165.2%
Shares Outstanding (Mil)65633.5%
Cumulative Contribution16.4%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/24/2026
ReturnCorrelation
KRNY16.4% 
Market (SPY)79.8%39.7%
Sector (XLF)67.0%54.2%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
KRNY Return29%-20%-7%-15%12%10%0%
Peers Return34%-3%-11%7%13%14%58%
S&P 500 Return27%-19%24%23%16%4%89%

Monthly Win Rates [3]
KRNY Win Rate67%33%50%58%42%50% 
Peers Win Rate67%42%42%45%53%80% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
KRNY Max Drawdown-4%-29%-33%-39%-19%-4% 
Peers Max Drawdown-2%-19%-39%-24%-16%-2% 
S&P 500 Max Drawdown-1%-25%-1%-2%-15%-7% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: PFS, CNOB, OCFC, NFBK, TRST.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/24/2026 (YTD)

How Low Can It Go

Unique KeyEventKRNYS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-52.5%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven110.7%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-50.0%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven99.9%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven478 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-22.8%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven29.5%24.7%
2018 CorrectionTime to BreakevenTime to BreakevenNot Fully Recovered days120 days
2008 Global Financial Crisis2008 Global Financial Crisis  
2008 Global Financial Crisis% Loss% Loss-51.9%-56.8%
2008 Global Financial Crisis% Gain to Breakeven% Gain to Breakeven107.7%131.3%
2008 Global Financial CrisisTime to BreakevenTime to Breakeven2,352 days1,480 days

Compare to PFS, CNOB, OCFC, NFBK, TRST

In The Past

Kearny Financial's stock fell -52.5% during the 2022 Inflation Shock from a high on 1/14/2022. A -52.5% loss requires a 110.7% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Kearny Financial (KRNY)

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. It offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. The company also provides various loans comprising one-to-four family mortgage loans; commercial mortgages, including loans secured by multi-family, mixed-use, and nonresidential properties; secured and unsecured business loans; consumer loans, such as home equity loans, home equity lines of credit, account loans, overdraft lines of credit, vehicle loans, personal loans, and loans secured by savings accounts and certificates of deposit; and construction loans to builders/developers and individual homeowners. In addition, it sells insurance products to its customers and the general public through a third party networking arrangement. As of June 30, 2016, the company operated 42 branches located in northern and central New Jersey, and Brooklyn and Staten Island, New York. Kearny Financial Corp. was founded in 1884 and is headquartered in Fairfield, New Jersey.

AI Analysis | Feedback

Here are 1-2 brief analogies for Kearny Financial (KRNY):

  • Think of it as a regional version of a larger bank like Bank of America or Chase, specifically serving communities in New Jersey and New York.

  • It's like a smaller-scale PNC Bank or M&T Bank, but with a more concentrated footprint primarily across its branches in New Jersey and parts of New York.

AI Analysis | Feedback

  • Deposit Accounts: Offers various accounts like checking, savings, money market, and certificates of deposit for individuals and businesses to manage their funds.
  • Mortgage Loans: Provides financing for residential properties (one-to-four family) and commercial real estate, including multi-family and nonresidential properties.
  • Business Loans: Delivers secured and unsecured loans to businesses for operational needs, expansion, or other corporate financing requirements.
  • Consumer Loans: Offers personal financing options such as home equity loans, vehicle loans, and personal loans to individuals for various needs.
  • Construction Loans: Supplies specialized funding for the construction of new properties, available to both builders/developers and individual homeowners.
  • Insurance Products: Sells various insurance policies to customers and the public via a third-party arrangement.

AI Analysis | Feedback

```html

Kearny Financial Corp. (KRNY), operating as a bank holding company for Kearny Bank, serves a broad base of customers rather than having a few major named customers. Its customer base can be primarily categorized into the following groups:

  1. Individuals/Consumers: This category includes the general public who utilize the bank's deposit products (checking, savings, money market, CDs), consumer loans (such as one-to-four family mortgage loans, home equity loans, vehicle loans, personal loans, and overdraft lines of credit), and insurance products.
  2. Businesses: Small to medium-sized businesses in its operating regions (northern and central New Jersey, Brooklyn and Staten Island, New York) are customers for commercial mortgages (including loans secured by multi-family, mixed-use, and nonresidential properties) and various secured and unsecured business loans.
  3. Builders/Developers: The company provides construction loans specifically to builders and developers involved in property construction projects.
```

AI Analysis | Feedback

null

AI Analysis | Feedback

Craig L. Montanaro, President and Chief Executive Officer

Mr. Montanaro was appointed President and Chief Executive Officer of Kearny Financial and Kearny Bank in April 2011, having previously served as President and Chief Operating Officer since April 2010. He joined Kearny Bank in 2003 following Kearny's acquisition of West Essex Bank, where he held the position of Senior Vice President and Chief Operating Officer.

Sean Byrnes, Executive Vice President and Chief Financial Officer

Mr. Byrnes was appointed Executive Vice President and Chief Financial Officer of Kearny Financial and Kearny Bank in July 2024, after serving as Executive Vice President and Deputy Chief Financial Officer since July 2023. He joined Kearny Bank in September 2020 as Chief Accounting Officer. Prior to his tenure at Kearny Bank, Mr. Byrnes held senior financial roles at Amboy Bank, Cantor Commercial Real Estate, and Prudential Financial.

Keith Suchodolski, Senior Executive Vice President and Chief Operating Officer

Mr. Suchodolski was appointed Senior Executive Vice President and Chief Operating Officer of Kearny Financial and Kearny Bank in July 2024. He previously served as Chief Financial Officer of Kearny Financial and Kearny Bank since July 2018. Mr. Suchodolski has been employed in the banking industry since 2001, holding various accounting and finance roles within financial institutions in the Mid-Atlantic region prior to joining Kearny Bank in 2013.

Cassia J. Beierle, Executive Vice President and General Counsel

Ms. Beierle was appointed Executive Vice President and General Counsel of Kearny Financial and Kearny Bank in July 2025. Before joining Kearny Bank, she served as Deputy General Counsel at Investors Bank, where she was actively involved in cross-functional legal operations until the bank's acquisition in April 2022.

Anthony V. Bilotta Jr., Executive Vice President and Chief Banking Officer

Mr. Bilotta was appointed Executive Vice President and Chief Banking Officer of Kearny Bank in June 2018. He brings over 37 years of banking experience, having previously served as Executive Vice President and Director of Retail Banking of Peapack Gladstone Bank from 2013 until his appointment at Kearny Bank. Prior to Peapack Gladstone Bank, Mr. Bilotta held executive positions at various other financial institutions.

AI Analysis | Feedback

```html

Key Risks to Kearny Financial (KRNY)

  1. Interest Rate Risk

    Kearny Financial's financial performance is highly sensitive to changes in interest rates. A substantial portion of its loan portfolio consists of fixed-rate loans, which may not reprice quickly in a fluctuating interest rate environment. This can lead to a compression of net interest margins, adversely impacting profitability.

  2. Credit Risk

    The company faces significant credit risk, particularly due to its increased commercial lending, which generally carries higher risk than residential lending. A large portion of Kearny Financial's loan portfolio is concentrated in real estate, including multi-family mortgage loans, nonresidential mortgage loans, and one-to-four family residential mortgage loans. Economic downturns, rising unemployment, or specific issues within the commercial and residential real estate markets in its operating regions of New Jersey and New York, could lead to higher loan defaults and nonperforming assets, thereby impacting asset quality and profitability.

  3. Regulatory and Competition Risks

    As a financial institution, Kearny Financial operates in a heavily regulated environment. Changes in banking laws, regulations, and government policies can significantly affect its operations, compliance costs, and overall profitability. Additionally, the company faces substantial competition from larger financial institutions with greater resources, as well as from online and non-depository institutions in its market areas, which can put pressure on margins and limit growth opportunities.

```

AI Analysis | Feedback

The clear emerging threat for Kearny Financial is the rise of digitally native financial technology (fintech) companies, including online-only banks and specialized online lenders. These entities leverage technology to offer deposit products, mortgage loans, consumer loans, and business loans with greater convenience, potentially lower overhead costs, and superior digital experiences, directly competing with and potentially siphoning customers from Kearny's traditional branch-based banking model.

AI Analysis | Feedback

For Kearny Financial (symbol: KRNY), the addressable markets for its main products and services, based on available state-level data for New Jersey and New York, are as follows:

New Jersey Market

  • Deposits: The total deposits in New Jersey were approximately $431 billion as of Q2 2024.
  • One-to-Four Family Mortgage Loans (New Home Loans): New home loans booked in New Jersey totaled $29.1 billion in 2024.
  • Commercial Mortgages and Real Estate Loans: The market size for Real Estate Loans & Collateralized Debt in New Jersey is projected to be $9.1 billion in 2026. The broader commercial banking industry in New Jersey, which includes commercial and industrial loans, consumer loans, and deposits, is estimated at $50.6 billion in 2026.
  • Secured and Unsecured Business Loans (Small Business Loans): Small business loans in New Jersey amounted to $21.6 billion.

New York Market

  • Deposits: Total deposits in New York State financial institutions exceed $3.4 trillion. More specifically, deposits in New York State were reported as $2.4 trillion.
  • One-to-Four Family Mortgage Loans (New Home Loans): New home loans booked in New York totaled $38.7 billion in 2024.
  • Commercial Mortgages: New York banks hold approximately $450 billion in commercial real estate (CRE) exposure. The commercial loan market in New York City is noted as one of the largest and most active in the U.S.
  • Secured and Unsecured Business Loans (Small Business Loans): Small business loans in New York amounted to $40.1 billion.

Consumer Loans

For consumer loans (excluding mortgages), the North American personal loans market was valued at $172.44 billion in 2025 and is projected to reach $192.13 billion in 2026. This market includes various unsecured financial products for personal or household expenses.

Information on the addressable market size for insurance products offered by Kearny Financial through a third-party networking arrangement is not available at the regional level in the provided data.

AI Analysis | Feedback

Kearny Financial Corp. (KRNY) is expected to experience future revenue growth driven by several key factors over the next 2-3 years: * Net Interest Margin (NIM) Expansion: The company has demonstrated a notable expansion in its core net interest margin, which increased by 13 basis points quarter-over-quarter and is anticipated to continue an upward trend through fiscal 2026. This is primarily attributed to higher loan repricing and declining certificate of deposit (CD) costs, positively impacting the bank's earnings. Additionally, Kearny Financial's liability-sensitive balance sheet is enhancing its margin and profitability. * Growth in Specific Loan Portfolios: Kearny Financial is actively pursuing loan portfolio diversification, with a focus on expanding its construction and commercial business loans. In the first quarter of fiscal year 2026, construction loans grew by 26.8% and commercial business loans by 10.2% on an annualized basis. * Benefits from Federal Funds Rate Cuts: The company anticipates enhanced earnings potential from recent federal funds rate cuts. These cuts are expected to positively impact Kearny Financial's earnings due to the liability-sensitive nature of its balance sheet. * Operational Improvements Leading to Increased Net Interest Income: Kearny Financial is seeing its net interest income trend upward, with a 16.3% increase for the first six months of fiscal year 2026 compared to the same period in fiscal year 2025. This indicates overall operational improvements contributing to a stronger bottom-line trajectory.

AI Analysis | Feedback

Share Repurchases

  • Kearny Financial Corp. authorized a new stock repurchase plan in September 2021 to acquire up to 7,602,021 shares, representing approximately 10% of its outstanding common stock.
  • In November 2023, the company completed a previously disclosed stock repurchase plan, repurchasing 4,000,000 shares at a cost of $34.9 million, or $8.74 per share.

Share Issuance

  • During the three months ended September 30, 2025, Kearny Financial Corp. granted 484,802 restricted stock units (RSUs), composed of both service-based and performance-based RSUs.

Outbound Investments

  • As of March 2026, Kearny Financial Corp. has not been involved in significant merger and acquisition (M&A) activity for nearly six years.

Capital Expenditures

  • Kearny Financial Corp. focuses on enhancing profitability through investments in digital banking technology as part of its omnichannel strategy.
  • The company has undertaken branch consolidations, allowing for the reallocation of capital towards higher-return opportunities.

Latest Trefis Analyses

Title
0ARTICLES

Trade Ideas

Select ideas related to KRNY.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HBAN_3312026_Insider_Buying_45D_2Buy_200K03312026HBANHuntington BancsharesInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		0.0%0.0%0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K03312026NPNeptune InsuranceInsiderInsider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days		0.0%0.0%0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper03272026JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		3.1%3.1%0.0%
MKTX_3202026_Dip_Buyer_FCFYield03202026MKTXMarketAxessDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-5.2%-5.2%-5.7%
RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V203202026RYANRyan SpecialtyInsiderInsider Buys | Low D/EStrong Insider Buying
Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap		-2.7%-2.7%-8.5%

Recent Active Movers

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons

Peers to compare with:

Financials

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
Mkt Price7.7922.3628.5219.0813.7846.1520.72
Mkt Cap0.52.91.41.10.50.81.0
Rev LTM167870378400154188283
Op Inc LTM-------
FCF LTM3943110180534666
FCF 3Y Avg373408194425367
CFO LTM4144210687545872
CFO 3Y Avg3934787101446074

Growth & Margins

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
Rev Chg LTM9.4%25.3%43.2%5.4%17.5%9.4%13.5%
Rev Chg 3Y Avg-4.1%21.7%8.9%-2.3%-1.4%-1.6%-1.5%
Rev Chg Q16.2%9.6%64.5%9.7%12.7%11.2%11.9%
QoQ Delta Rev Chg LTM3.8%2.3%13.2%2.3%3.1%2.7%2.9%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM24.4%50.8%28.1%21.8%34.8%30.7%29.4%
CFO/Rev 3Y Avg25.2%49.5%28.5%25.7%31.0%33.0%29.8%
FCF/Rev LTM23.4%49.5%26.7%19.9%34.1%24.3%25.5%
FCF/Rev 3Y Avg23.9%48.4%26.7%23.8%29.5%28.9%27.8%

Valuation

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
Mkt Cap0.52.91.41.10.50.81.0
P/S2.93.43.82.73.54.53.5
P/Op Inc-------
P/EBIT-------
P/E15.110.017.815.3687.713.815.2
P/CFO12.06.613.512.410.214.612.2
Total Yield8.0%14.3%7.8%6.5%4.0%8.9%7.9%
Dividend Yield1.4%4.3%2.2%0.0%3.9%1.6%1.9%
FCF Yield 3Y Avg7.5%15.4%8.0%9.1%8.7%8.2%8.4%
D/E2.20.80.81.51.80.01.1
Net D/E-0.10.70.10.20.2-0.30.1

Returns

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
1M Rtn6.1%7.1%8.6%8.2%2.8%6.9%7.0%
3M Rtn1.2%9.7%2.7%4.4%17.0%8.5%6.4%
6M Rtn21.0%20.5%17.5%4.3%29.7%24.6%20.8%
12M Rtn29.1%39.2%28.7%21.1%43.5%56.1%34.2%
3Y Rtn26.7%52.5%104.0%43.1%49.0%78.2%50.8%
1M Excs Rtn-2.6%-1.6%-0.1%-0.5%-5.9%-1.8%-1.7%
3M Excs Rtn-2.4%6.1%-0.9%0.8%13.4%4.9%2.8%
6M Excs Rtn12.6%14.7%12.2%-6.0%19.9%20.2%13.6%
12M Excs Rtn1.9%10.2%-1.9%-11.1%11.9%24.5%6.1%
3Y Excs Rtn-52.1%-28.4%17.7%-48.0%-29.3%3.5%-28.9%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single segment141179211206169
Total141179211206169


Price Behavior

Price Behavior
Market Price$7.79 
Market Cap ($ Bil)0.5 
First Trading Date02/24/2005 
Distance from 52W High-5.1% 
   50 Days200 Days
DMA Price$7.71$6.96
DMA Trendupindeterminate
Distance from DMA1.1%11.9%
 3M1YR
Volatility26.1%28.9%
Downside Capture0.590.43
Upside Capture83.4882.67
Correlation (SPY)36.6%39.3%
KRNY Betas & Captures as of 3/31/2026

 1M2M3M6M1Y3Y
Beta0.350.610.540.700.710.98
Up Beta-0.030.081.491.050.671.02
Down Beta-0.07-0.040.240.580.730.83
Up Capture64%114%62%91%75%87%
Bmk +ve Days7162765139424
Stock +ve Days10213163121343
Down Capture47%79%42%50%76%103%
Bmk -ve Days12233358110323
Stock -ve Days11203160123384

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with KRNY
KRNY35.4%29.2%1.03-
Sector ETF (XLF)8.9%14.7%0.3653.2%
Equity (SPY)34.0%12.6%2.0539.1%
Gold (GLD)42.9%27.2%1.29-2.4%
Commodities (DBC)46.4%18.0%1.97-13.5%
Real Estate (VNQ)14.2%13.3%0.7434.0%
Bitcoin (BTCUSD)-16.6%42.1%-0.3219.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with KRNY
KRNY-4.0%33.8%-0.06-
Sector ETF (XLF)9.6%18.7%0.4053.3%
Equity (SPY)12.7%17.1%0.5840.8%
Gold (GLD)21.2%17.8%0.970.8%
Commodities (DBC)14.5%19.1%0.626.7%
Real Estate (VNQ)3.7%18.8%0.1040.7%
Bitcoin (BTCUSD)7.0%56.3%0.3418.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with KRNY
KRNY-1.1%31.4%0.03-
Sector ETF (XLF)12.7%22.2%0.5359.2%
Equity (SPY)14.9%17.9%0.7145.1%
Gold (GLD)13.9%15.9%0.73-2.8%
Commodities (DBC)10.1%17.8%0.4713.7%
Real Estate (VNQ)5.4%20.7%0.2344.5%
Bitcoin (BTCUSD)68.3%66.9%1.0714.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date4152026
Short Interest: Shares Quantity1.0 Mil
Short Interest: % Change Since 3312026-10.5%
Average Daily Volume0.2 Mil
Days-to-Cover Short Interest4.0 days
Basic Shares Quantity62.9 Mil
Short % of Basic Shares1.6%

Returns Analyses

Earnings Returns History

Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20262.3%  
1/22/2026-1.9%-8.0%0.7%
10/23/2025-2.2%-4.0%-3.5%
7/24/2025-5.7%-7.8%-5.7%
4/24/20254.7%1.6%-0.6%
1/30/2025-5.5%-2.7%-2.6%
10/24/2024-2.8%-1.9%15.1%
7/25/2024-0.7%1.0%-9.0%
...
SUMMARY STATS   
# Positive91211
# Negative161213
Median Positive4.2%1.8%3.4%
Median Negative-2.5%-7.9%-4.1%
Max Positive5.0%6.6%22.0%
Max Negative-11.6%-13.4%-20.7%

SEC Filings

Expand for More
Report DateFiling DateFiling
12/31/202502/05/202610-Q
09/30/202511/05/202510-Q
06/30/202508/21/202510-K
03/31/202505/07/202510-Q
12/31/202402/06/202510-Q
09/30/202411/05/202410-Q
06/30/202408/23/202410-K
03/31/202405/07/202410-Q
12/31/202302/08/202410-Q
09/30/202311/07/202310-Q
06/30/202308/25/202310-K
03/31/202305/05/202310-Q
12/31/202202/07/202310-Q
09/30/202211/07/202210-Q
06/30/202208/26/202210-K
03/31/202205/06/202210-Q

Industry Resources

External Quote Links


Prefer one of these to Trefis? Tell us why.