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Kearny Financial (KRNY)

Market Price (6/19/2026): $8.48 | Market Cap: $533.5 MilSector: Financials | Industry: Regional Banks

Kearny Financial (KRNY)

Market Price (6/19/2026): $8.48
Market Cap: $533.5 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 3.7%, FCF Yield is 5.6%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 18%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 17%

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.

Trading close to highs
Dist 52W High is -3.6%, Dist 3Y High is -3.6%

Weak multi-year price returns
3Y Excs Rtn is -38%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.4%

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 3.7%, FCF Yield is 5.6%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 18%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 17%
2 Low stock price volatility
Vol 12M is 29%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more.
4 Trading close to highs
Dist 52W High is -3.6%, Dist 3Y High is -3.6%
5 Weak multi-year price returns
3Y Excs Rtn is -38%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.4%
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.

KRNY in ETFs

Weight = KRNY's share of each fund

VTI0.00%
ITOT0.00%
IWM0.01%
KRE0.11%
IWN0.03%
VTWO0.01%
DFAS0.01%
SCHA0.01%
+4 more covered ETFs

Valuation & Metrics

FYE: 6/30KRNY [1]S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]$173.3 Mil—
FY 2026 Sales$176.3 Mil—
FY 2027 Sales$194.1 Mil—
FY 2026 Sales Growth1.7%—
FY 2027 Sales Growth10.1%7.7%
EARNINGS
LTM Net Income (GAAP) [3]$35.9 Mil—
FY 2026 Net Income (Non-GAAP)$39.2 Mil—
FY 2027 Net Income (Non-GAAP)$49.2 Mil—
FY 2027 Net Income Growth25.6%15.0%
FY 2026 EPS (Non-GAAP)$0.62—
FY 2027 EPS (Non-GAAP)$0.79—
FY 2027 EPS Growth25.6%—
VALUATION
FY 2026 P/S3.03.2
FY 2027 P/S2.7—
FY 2026 P/E13.620.5
FY 2027 P/E10.8—

[1] KRNY forward figures are analyst consensus for the next two fiscal years (fiscal year end 6/30). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 6/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).
KRNYS&P 500
REVENUE GROWTH 
Rev LTM ($ Bil)0.2
Rev Chg Q17.4%8.8%
Rev Chg LTM13.8%7.4%
Rev Chg 3Y Avg-1.4%5.8%
PROFITABILITYGOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.0
Net Inc LTM ($ Bil)0.0
CFO/Rev LTM18.4%21.3%
Net Inc Mgn20.7%13.0%
VALUATIONLOW
P/S3.13.2
P/CFO16.815.0
P/FCF17.819.1
P/E14.923.8

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MetricValueDateSource
Number of Retail Branch Offices4010232025Link
Number of Employees55711062025Link
Non-Performing Assets to Total Assets Ratio0.84%9302025Link
Efficiency Ratio76.35%11062025Link
Uninsured Deposits$2.04 billion9302025Link

Price Chart

Upcoming
7/23/2026Earnings ReleaseRev: $45 Mil (E)
EPS: $0.16 (E)

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/10/2026

Kearny Financial (KRNY) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q3 2026 Earnings Beat and Sustained Net Interest Margin Expansion.

Kearny Financial (KRNY), whose fiscal year ends on June 30, reported robust results for fiscal Q3 2026 (ended March 31, 2026), with diluted earnings per share (EPS) of $0.16, surpassing analyst consensus estimates of $0.15. The company also achieved its sixth consecutive quarter of net interest margin expansion, which increased by 7 basis points to 2.21%. This improvement was primarily driven by favorable loan repricing and better funding costs, contributing to a 5.5% rise in pre-tax, pre-provision net revenue to $13.0 million.

2. Strategic Loan Portfolio Diversification and Enhanced Deposit Franchise.

Kearny Financial actively reshaped its balance sheet by diversifying its loan portfolio, which saw commercial business loans increase by 18.5%, construction loans by 14.3%, and home equity loans by 4.0%, while strategically reducing its exposure to multifamily mortgages. Concurrently, the company strengthened its deposit franchise by expanding its Corporate Banking team and establishing a new Specialty Deposits team, aimed at attracting relationship-based commercial and high-value deposits to diversify funding sources and improve balance-sheet stability.

Show more
Updated on 6/10/2026

Kearny Financial (KRNY) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q3 2026 Earnings Beat and Sustained Net Interest Margin Expansion.

Kearny Financial (KRNY), whose fiscal year ends on June 30, reported robust results for fiscal Q3 2026 (ended March 31, 2026), with diluted earnings per share (EPS) of $0.16, surpassing analyst consensus estimates of $0.15. The company also achieved its sixth consecutive quarter of net interest margin expansion, which increased by 7 basis points to 2.21%. This improvement was primarily driven by favorable loan repricing and better funding costs, contributing to a 5.5% rise in pre-tax, pre-provision net revenue to $13.0 million.

2. Strategic Loan Portfolio Diversification and Enhanced Deposit Franchise.

Kearny Financial actively reshaped its balance sheet by diversifying its loan portfolio, which saw commercial business loans increase by 18.5%, construction loans by 14.3%, and home equity loans by 4.0%, while strategically reducing its exposure to multifamily mortgages. Concurrently, the company strengthened its deposit franchise by expanding its Corporate Banking team and establishing a new Specialty Deposits team, aimed at attracting relationship-based commercial and high-value deposits to diversify funding sources and improve balance-sheet stability.

3. Positive Analyst Coverage and Price Target Upside.

The company received a boost from positive analyst sentiment, including Piper Sandler initiating or resuming coverage of Kearny Financial with an "Overweight" rating and setting a price target of $9.50. The average analyst price target for KRNY stock stands at $9.00, indicating a potential upside of 12.78% from recent trading levels.

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Stock Movement Drivers

Fundamental Drivers

The 12.2% change in KRNY stock from 2/28/2026 to 6/18/2026 was primarily driven by a 6.5% change in the company's Net Income Margin (%).
(LTM values as of)22820266182026Change
Stock Price ($)7.558.4712.2%
Change Contribution By: 
Total Revenues ($ Mil)1671734.0%
Net Income Margin (%)19.4%20.7%6.5%
P/E Multiple14.714.91.4%
Shares Outstanding (Mil)6363-0.1%
Cumulative Contribution12.2%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/18/2026
ReturnCorrelation
KRNY12.2% 
Market (SPY)9.2%24.4%
Sector (XLF)4.7%51.9%

Fundamental Drivers

The 26.7% change in KRNY stock from 11/30/2025 to 6/18/2026 was primarily driven by a 12.6% change in the company's Net Income Margin (%).
(LTM values as of)113020256182026Change
Stock Price ($)6.698.4726.7%
Change Contribution By: 
Total Revenues ($ Mil)1601738.0%
Net Income Margin (%)18.4%20.7%12.6%
P/E Multiple14.214.94.4%
Shares Outstanding (Mil)6363-0.3%
Cumulative Contribution26.7%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/18/2026
ReturnCorrelation
KRNY26.7% 
Market (SPY)9.9%23.7%
Sector (XLF)1.3%48.6%

Fundamental Drivers

The 49.6% change in KRNY stock from 5/31/2025 to 6/18/2026 was primarily driven by a 32.2% change in the company's P/S Multiple.
(LTM values as of)53120256182026Change
Stock Price ($)5.668.4749.6%
Change Contribution By: 
Total Revenues ($ Mil)15217313.8%
P/S Multiple2.33.132.2%
Shares Outstanding (Mil)6363-0.6%
Cumulative Contribution49.6%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/18/2026
ReturnCorrelation
KRNY49.6% 
Market (SPY)28.1%31.2%
Sector (XLF)6.7%51.8%

Fundamental Drivers

The 50.2% change in KRNY stock from 5/31/2023 to 6/18/2026 was primarily driven by a 63.4% change in the company's P/E Multiple.
(LTM values as of)53120236182026Change
Stock Price ($)5.648.4750.2%
Change Contribution By: 
Total Revenues ($ Mil)188173-7.9%
Net Income Margin (%)21.3%20.7%-3.0%
P/E Multiple9.114.963.4%
Shares Outstanding (Mil)65633.0%
Cumulative Contribution50.2%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/18/2026
ReturnCorrelation
KRNY50.2% 
Market (SPY)85.7%37.9%
Sector (XLF)77.0%53.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
KRNY Return29%-20%-7%-15%12%16%6%
Peers Return34%-3%-11%7%13%20%67%
S&P 500 Return27%-19%24%23%16%8%98%

Monthly Win Rates [3]
KRNY Win Rate67%33%50%58%42%67% 
Peers Win Rate67%42%42%45%53%77% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
KRNY Max Drawdown-16%-32%-35%-39%-24%-14% 
Peers Max Drawdown-18%-26%-43%-26%-22%-10% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

[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 6/18/2026 (YTD)

How Low Can It Go

EventKRNYS&P 500
2025 US Tariff Shock
  % Loss-20.5%-18.8%
  % Gain to Breakeven25.8%23.1%
  Time to Breakeven228 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-15.1%-9.5%
  % Gain to Breakeven17.8%10.5%
  Time to Breakeven21 days24 days
2023 SVB Regional Banking Crisis
  % Loss-31.3%-6.7%
  % Gain to Breakeven45.5%7.1%
  Time to Breakeven986 days31 days
2020 COVID-19 Crash
  % Loss-36.1%-33.7%
  % Gain to Breakeven56.4%50.9%
  Time to Breakeven334 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-13.2%-19.2%
  % Gain to Breakeven15.3%23.8%
  Time to Breakeven127 days105 days
2014-2016 Oil Price Collapse
  % Loss-17.0%-6.8%
  % Gain to Breakeven20.5%7.3%
  Time to Breakeven248 days15 days

Compare to PFS, CNOB, OCFC, NFBK, TRST

In The Past

Kearny Financial's stock fell -20.5% during the 2025 US Tariff Shock. Such a loss loss requires a 25.8% 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.

EventKRNYS&P 500
2025 US Tariff Shock
  % Loss-20.5%-18.8%
  % Gain to Breakeven25.8%23.1%
  Time to Breakeven228 days79 days
2023 SVB Regional Banking Crisis
  % Loss-31.3%-6.7%
  % Gain to Breakeven45.5%7.1%
  Time to Breakeven986 days31 days
2020 COVID-19 Crash
  % Loss-36.1%-33.7%
  % Gain to Breakeven56.4%50.9%
  Time to Breakeven334 days140 days
2008-2009 Global Financial Crisis
  % Loss-38.7%-53.4%
  % Gain to Breakeven63.1%114.4%
  Time to Breakeven1779 days1085 days

Compare to PFS, CNOB, OCFC, NFBK, TRST

In The Past

Kearny Financial's stock fell -20.5% during the 2025 US Tariff Shock. Such a loss loss requires a 25.8% 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)

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Kearny Financial Corp. (KRNY) operates as the holding company for Kearny Bank, a community bank primarily serving northern and central New Jersey, along with Brooklyn and Staten Island, New York. Founded in 1884, the company offers a comprehensive suite of banking products and services designed for both individual and business clients within its regional footprint.

The core of Kearny Bank's offerings includes a variety of deposit products such as checking accounts (both interest and non-interest bearing), money market accounts, savings accounts, and certificates of deposit. On the lending side, the bank provides a broad range of loans, including one-to-four family residential mortgages, commercial mortgages for multi-family, mixed-use, and nonresidential properties, and both secured and unsecured business loans.

Additionally, Kearny Bank serves individual consumers with home equity loans and lines of credit, vehicle loans, personal loans, and loans secured by savings or certificates of deposit. The bank also finances construction projects for both builders/developers and individual homeowners. To complement its banking services, Kearny Financial facilitates the sale of insurance products to its customer base and the general public through a third-party networking arrangement.

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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

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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.
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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.

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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.

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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.

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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.

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FULCFulcrum Therapeutics0.3-37.4%-67.3%
LILALiberty Latin America1.0-37.1%-35.0%
BKSYBlackSky Technology1.0-35.8%54.6%
TMCRMetals Royalty0.5-35.8%-40.4%
SOCSable Offshore1.5-33.6%12.2%

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Peer Comparisons

Peers to compare with:

Financials

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
Mkt Price8.4722.7232.4518.0314.4152.2420.38
Mkt Cap0.53.01.61.00.60.91.0
Rev LTM173887424406160192299
Op Inc LTM-------
FCF LTM30424100106635982
FCF 3Y Avg333488194435066
CFO LTM32438107114646887
CFO 3Y Avg3535686102455872

Growth & Margins

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
Rev Chg LTM13.8%12.4%56.8%7.0%18.6%9.3%13.1%
Rev Chg 3Y Avg-1.4%23.9%14.6%-2.4%0.2%-1.9%-0.6%
Rev Chg Q17.4%7.9%64.7%5.5%16.0%9.3%12.6%
QoQ Delta Rev Chg LTM4.0%1.9%12.0%1.3%3.6%2.2%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 LTM18.4%49.4%25.2%28.2%40.1%35.5%31.8%
CFO/Rev 3Y Avg22.5%47.8%27.5%25.6%30.9%31.7%29.2%
FCF/Rev LTM17.3%47.8%23.7%26.2%39.4%30.8%28.5%
FCF/Rev 3Y Avg21.2%46.6%25.9%23.6%29.6%27.4%26.7%

Valuation

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
Mkt Cap0.53.01.61.00.60.91.0
P/S3.13.33.82.53.64.83.5
P/Op Inc-------
P/EBIT-------
P/E14.99.716.614.7120.414.714.8
P/CFO16.76.815.29.09.013.711.3
Total Yield8.0%14.6%8.1%6.8%4.5%8.2%8.1%
Dividend Yield1.3%4.2%2.1%0.0%3.7%1.5%1.8%
FCF Yield 3Y Avg7.8%16.7%8.4%9.5%9.0%8.0%8.7%
D/E2.00.90.71.41.60.21.2
Net D/E-0.10.80.10.1-0.0-0.10.0

Returns

KRNYPFSCNOBOCFCNFBKTRSTMedian
NameKearny F.Providen.ConnectO.OceanFir.Northfie.Trustco . 
1M Rtn5.9%4.7%11.7%-2.3%2.3%6.7%5.3%
3M Rtn20.4%13.3%24.6%2.4%9.2%22.2%16.9%
6M Rtn9.9%9.5%16.7%-9.7%19.1%22.7%13.3%
12M Rtn48.9%47.5%52.4%12.4%29.6%75.9%48.2%
3Y Rtn36.2%48.5%108.6%25.6%46.2%94.8%47.3%
1M Excs Rtn3.9%2.7%9.7%-4.3%0.3%4.7%3.3%
3M Excs Rtn6.9%-0.2%11.1%-11.2%-4.3%8.7%3.3%
6M Excs Rtn1.3%1.1%8.4%-19.0%10.3%13.9%4.8%
12M Excs Rtn24.5%23.6%27.1%-12.9%4.3%51.3%24.1%
3Y Excs Rtn-38.1%-28.1%38.9%-47.7%-27.4%19.4%-27.7%

Comparison Analyses

null

Financials

$ Mil | FY: 6/302026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q4
Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
Filing Date5/7/20262/5/202611/5/20258/21/20255/7/20252/6/202511/5/20248/23/20245/7/20242/8/202411/7/20238/25/2023
Key Financials Quarterly            
Total Revenue454444413937373939204344
Net Income109107776-907-141012
EPS0.160.150.150.110.110.110.10-1.450.12-0.220.160.19
Key Financials TTM            
Total Revenue TTM173167160154152152135141145151167179
Net Income TTM36322926-71-70-90-8715183441
Growth Rates Quarterly            
Total Revenue Growth17.4%16.2%17.5%4.5%0.2%89.1%-14.1%-10.9%-12.5%-45.4%-20.7%-17.9%
Net Income Growth52.5%43.9%56.0%107.5%-10.1%147.5%-38.1%-849.8%-28.3%-808.7%-40.5%5.7%
Margins Quarterly            
Net Income Margin22.4%21.7%21.8%16.6%17.2%17.5%16.4%-230.5%19.2%-69.7%22.8%27.4%
Cash & Debt            
Total Cash1,1071,1481,1461,1801,1291,1601,2261,1371,1701,2181,2731,298
Total Debt1,0601,0951,2061,2561,2141,2591,3801,6101,6221,6671,6271,507
Net Debt / (Cash)-47-5360768499154473452449354209
Cash Flows Quarterly            
FCF from Operations8142817-3371871212
Cash Flows TTM            
FCF from Operations TTM324124252425344448536170
Returns to Shareholders Quarterly            
Dividends777777777777
Share Repurchases-0-000-0-0000576
Return on Invested Capital (ROIC) Quarterly            
ROIC11.1%10.6%8.1%5.6%5.4%5.2%4.3%-40.8%3.4%-5.6%5.3%7.7%
Return on Invested Capital (ROIC) TTM            
ROIC TTM9.8%9.0%6.3%5.4%-13.9%-13.3%-15.4%-9.1%1.8%2.1%4.6%6.6%

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single segment154141179211206
Total154141179211206


Price Behavior

Price Behavior
Market Price$8.47 
Market Cap ($ Bil)0.5 
First Trading Date02/24/2005 
Distance from 52W High-3.6% 
   50 Days200 Days
DMA Price$8.12$7.29
DMA Trendupup
Distance from DMA4.3%16.1%
 3M1YR
Volatility26.0%29.1%
Downside Capture29.0059.12
Upside Capture78.6989.17
Correlation (SPY)18.9%30.1%
KRNY Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta1.290.820.610.630.840.95
Up Beta2.540.770.610.841.180.96
Down Beta1.110.120.200.290.580.84
Up Capture84%79%73%80%89%84%
Bmk +ve Days13283667141432
Stock +ve Days11223264125349
Down Capture103%126%70%50%75%101%
Bmk -ve Days7132757109318
Stock -ve Days9193058120379

[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
KRNY50.1%29.0%1.39-
Sector ETF (XLF)8.3%14.6%0.3351.8%
Equity (SPY)26.5%12.4%1.6129.9%
Gold (GLD)24.2%27.5%0.770.7%
Commodities (DBC)19.8%18.8%0.83-18.3%
Real Estate (VNQ)11.0%13.7%0.5236.6%
Bitcoin (BTCUSD)-38.3%42.4%-1.0217.9%

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-2.4%33.9%-0.01-
Sector ETF (XLF)9.3%18.6%0.3753.0%
Equity (SPY)13.5%17.1%0.6240.1%
Gold (GLD)17.1%18.3%0.761.0%
Commodities (DBC)7.5%19.4%0.296.1%
Real Estate (VNQ)1.9%18.9%0.0041.2%
Bitcoin (BTCUSD)11.6%54.2%0.4119.2%

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-0.6%31.6%0.05-
Sector ETF (XLF)13.0%22.2%0.5459.2%
Equity (SPY)15.3%18.0%0.7344.8%
Gold (GLD)12.3%16.1%0.63-2.5%
Commodities (DBC)5.9%18.0%0.2613.4%
Real Estate (VNQ)5.3%20.7%0.2244.7%
Bitcoin (BTCUSD)60.4%66.8%1.0014.4%

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

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity1.1 Mil
Short Interest: % Change Since 515202614.2%
Average Daily Volume0.3 Mil
Days-to-Cover Short Interest3.4 days
Basic Shares Quantity62.9 Mil
Short % of Basic Shares1.7%

Returns Analyses

Earnings Returns History

Updated 6/3/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20262.3%2.5%5.8%
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   
# Positive91312
# Negative151112
Median Positive4.2%2.0%4.6%
Median Negative-2.3%-7.8%-3.8%
Max Positive5.0%6.6%22.0%
Max Negative-11.6%-13.4%-20.7%
 Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/23/20262.3%2.5%5.8%
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%
4/25/2024-4.3%-8.3%-2.8%
1/25/2024-6.8%-13.3%-20.7%
10/26/20235.0%6.5%22.0%
7/27/20234.4%0.7%-6.1%
4/27/20232.4%-1.5%-4.1%
1/26/2023-11.6%-7.9%-2.5%
10/27/2022-0.8%-13.4%-13.3%
7/28/2022-2.3%0.3%2.2%
4/28/2022-1.2%-2.2%2.3%
1/27/20220.5%1.2%2.5%
10/28/20214.3%6.6%1.4%
7/30/2021-0.2%6.6%7.9%
4/30/20210.9%2.1%3.4%
1/29/2021-1.2%2.9%10.6%
10/30/20204.2%2.0%20.0%
7/31/2020-4.7%0.0%-3.5%
SUMMARY STATS   
# Positive91312
# Negative151112
Median Positive4.2%2.0%4.6%
Median Negative-2.3%-7.8%-3.8%
Max Positive5.0%6.6%22.0%
Max Negative-11.6%-13.4%-20.7%

SEC Filings

Expand for More
Report DateFiling DateFiling
03/31/202605/07/202610-Q
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
 Collapse to Preview
Report DateFiling DateFiling
03/31/202605/07/202610-Q
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
12/31/202102/08/202210-Q
09/30/202111/08/202110-Q
06/30/202108/27/202110-K
03/31/202105/07/202110-Q
12/31/202002/08/202110-Q
09/30/202011/06/202010-Q
06/30/202008/28/202010-K
03/31/202005/08/202010-Q
12/31/201902/07/202010-Q
09/30/201911/08/201910-Q
06/30/201908/28/201910-K

Insider Activity

Updated 6/18/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Fields, Curtland E DirectBuy61820268.413,60030,268363,213Form
2Fields, Curtland E DirectBuy61820268.344,95041,258330,066Form
3Fields, Curtland E DirectBuy61520268.714,95043,137301,961Form
4Wong-Zaza, Melvina DirectBuy61220268.573,50030,012290,778Form
5Fields, Curtland E DirectBuy61120268.614,80041,327255,711Form
 Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Fields, Curtland E DirectBuy61820268.413,60030,268363,213Form
2Fields, Curtland E DirectBuy61820268.344,95041,258330,066Form
3Fields, Curtland E DirectBuy61520268.714,95043,137301,961Form
4Wong-Zaza, Melvina DirectBuy61220268.573,50030,012290,778Form
5Fields, Curtland E DirectBuy61120268.614,80041,327255,711Form
6Joyce, Patrick MEVP and CLODirectSell61020268.462,50021,148438,741Form
7Fields, Curtland E DirectBuy60920268.403,00025,201209,165Form
8Swansson, Timothy AEVP and CTIODirectSell31220267.604,00030,391424,205Form
9Joyce, Patrick MEVP and CLODirectSell12820267.654,00030,601415,902Form
10Montanaro, Leopold W DirectBuy92320256.5710,00065,7001,742,541Form
11Wong-Zaza, Melvina DirectBuy81120255.931,3758,154180,331Form
12Wong-Zaza, Melvina DirectBuy80420255.991,5008,988173,978Form
13Joyce, Patrick MEVP and CLODirectSell61020256.134,00024,525310,377Form

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Core Cache Last Updated: 6/18/2026