Kearny Financial (KRNY) AI Stock Analysis

• Market Cap: $495.90M
• Dividend Yield: 5.8%
• Average Volume (3M): 306.40K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 0.79
• Revenue Growth: 4.38%
• EPS Growth: N/A
• Country: US
• Employees: 552
• Sector: N/A
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 64,739,150
• 10 Day Avg. Volume: 248,472
• 30 Day Avg. Volume: 306,397
• PEG Ratio: -0.12
• Price to Book (P/B): 0.54
• Price to Sales (P/S): 1.18
• P/FCF Ratio: 18.88
• Enterprise Value/Market Cap: 3.24
• Enterprise Value/Revenue: 4.66
• Enterprise Value/Gross Profit: 10.13
• Enterprise Value/Ebitda: 39.52
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $8.00 ▲(16.11% Upside)

Kearny Financial's overall score is driven by strong technical indicators and positive corporate events. While financial performance shows areas for improvement, the company's strategic initiatives and attractive dividend yield support a favorable outlook.

Kearny Financial Business Overview & Revenue Model

Company Description

Kearny Financial Corp. is a bank holding company headquartered in Kearny, New Jersey. It operates primarily through its subsidiary, Kearny Bank, which offers a wide range of financial services to consumers and businesses. The bank's core products include residential and commercial mortgage loans, consumer loans, and various deposit services such as checking and savings accounts. Kearny Financial focuses on serving the local community, emphasizing personalized banking and customer service.

How the Company Makes Money

Kearny Financial generates revenue primarily through interest income from loans and interest earned on securities. The bank originates loans, including residential mortgages, commercial real estate loans, and consumer loans, which are then held in its portfolio or sold in the secondary market. Additionally, Kearny Financial earns non-interest income from service fees on deposit accounts, transaction fees, and other banking services. The company's revenue is also bolstered by its investment portfolio, which includes government and corporate bonds that provide interest income. Key partnerships with local businesses and community organizations enhance its customer base and contribute to its earnings through increased loan origination and deposit growth.

Kearny Financial Financial Statement Overview

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Cash Flow

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Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
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Kearny Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.89
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KRNY, the sentiment is Positive. The current price of 6.89 is below the 20-day moving average (MA) of 7.51, above the 50-day MA of 6.87, and above the 200-day MA of 6.30, indicating a bullish trend. The MACD of 0.28 indicates Positive momentum. The RSI at 62.99 is Neutral, neither overbought nor oversold. The STOCH value of 32.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KRNY.

Kearny Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	―	―	―	―	―	―
RRBI	78 Outperform	$497.96M	12.24	12.03%	0.73%	7.81%	26.91%
CARE	75 Outperform	$438.65M	14.65	7.71%	―	6.62%	117.46%
GCBC	75 Outperform	$388.89M	11.52	14.53%	1.63%	13.16%	37.40%
BSRR	72 Outperform	$449.91M	11.59	11.07%	3.03%	-0.65%	14.14%
KRNY	71 Outperform	$495.90M	16.31	3.92%	5.80%	4.38%	―
FFIC	60 Neutral	$579.64M	-14.45	-5.05%	5.16%	-11.91%	-235.73%

Kearny Financial Corporate Events

Kearny Financial Announces Strong Q1 2026 Results

On October 23, 2025, Kearny Financial Corp. announced its first quarter fiscal 2026 results, reporting a net income of $9.5 million, a significant increase from the previous quarter. The company declared a quarterly cash dividend of $0.11 per share, payable on November 19, 2025. The quarter saw a 36% increase in earnings per share, driven by a 10 basis point expansion in net interest margin and solid credit quality. The company also highlighted strategic initiatives, including a partnership with The Lab Consulting for process automation and branch consolidations to optimize its real estate footprint. Despite a decrease in total assets and loans receivable, Kearny Financial maintained strong asset quality and capital reserves, positioning itself for sustained performance.

Kearny Financial Shifts to Offensive Growth Strategy

On October 21, 2025, Kearny Financial Corp. held its fiscal 2025 Annual Meeting of Stockholders, where they reviewed fiscal year highlights and strategic outlook. The company successfully navigated industry pressures, transitioning from a defensive to an offensive growth strategy as macroeconomic conditions improved. Strategic investments in technology and a focus on small to medium business markets have enhanced operational efficiency and client growth. The company also maintained strong credit performance, with minimal charge-offs, and plans to continue strategic growth initiatives in fiscal year 2026.