Want to see KRNY full AI Analyst Report?
Top Page
Kearny Financial
(NASDAQ:KRNY)
Select Model
Select Model
Rating:66Neutral
Price Target:
$10.00
â–²(6.38% Upside)
Action:Reiterated
Date:07/24/26
The score is driven primarily by improving financial performance (return to profitability, strong revenue growth, and reduced leverage), supported by a favorable technical trend and an attractive dividend. Offsetting factors include still-modest ROE, leverage that remains elevated versus earlier stronger years, and weaker recent free-cash-flow momentum.
Positive Factors
Revenue & profitability recovery
A pronounced TTM revenue increase and return to positive net margins reflect durable operational recovery and successful strategy execution. Sustained revenue growth and restored profitability improve internal capital generation, support dividends and reinvestment, and provide a firmer base for multi-quarter earnings stability.
Negative Factors
Modest return on equity
A modest ROE indicates the bank is generating limited returns on shareholder capital versus historical stronger periods and peers. Persistently low ROE can constrain shareholder value creation, limit strategic flexibility, and pressure management to choose between growth investments, credit tightening, or capital returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & profitability recovery
A pronounced TTM revenue increase and return to positive net margins reflect durable operational recovery and successful strategy execution. Sustained revenue growth and restored profitability improve internal capital generation, support dividends and reinvestment, and provide a firmer base for multi-quarter earnings stability.
Read all positive factors
Kearny Financial (KRNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$616.32M
Dividend Yield4.65%
Average Volume (3M)306.40K
Price to Earnings (P/E)16.3
Beta (1Y)0.84
Revenue Growth1.05%
EPS Growth38.31%
CountryUS
Employees504
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.58
Shares Outstanding64,739,150
10 Day Avg. Volume248,472
30 Day Avg. Volume306,397
Financial Highlights & Ratios
PEG Ratio0.43
Price to Book (P/B)0.78
Price to Sales (P/S)1.71
P/FCF Ratio0.00
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$10.50Price Target Upside11.70% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.79
Revenue Forecast (FY)$194.98M
Kearny Financial Business Overview & Revenue Model
Company Description
Kearny Financial Corp. serves as the parent entity for Kearny Bank, providing a diverse array of banking and financial services across the United States. The institution offers a comprehensive suite of deposit products, including both interest-bea...
How the Company Makes Money
Kearny Financial primarily makes money through traditional bank spread-based and fee-based income generated by Kearny Bank. The core revenue stream is net interest income: the bank earns interest on loans and other interest-earning assets (such as...
Kearny Financial Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
57
Neutral
Cash Flow
61
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 347.14M | 343.53M | 326.88M | 296.48M | 240.21M |
| Gross Profit | 176.41M | 151.63M | 134.38M | 176.13M | 218.06M |
| EBITDA | 51.83M | 35.88M | -75.52M | 58.67M | 99.00M |
| Net Income | 36.26M | 26.07M | -86.67M | 40.81M | 67.55M |
Balance Sheet | |||||
| Total Assets | 7.68B | 7.74B | 7.68B | 8.06B | 7.72B |
| Cash, Cash Equivalents and Short-Term Investments | 1.08B | 1.18B | 1.14B | 1.30B | 1.45B |
| Total Debt | 1.15B | 1.26B | 1.61B | 1.51B | 901.34M |
| Total Liabilities | 6.92B | 6.99B | 6.93B | 7.20B | 6.83B |
| Stockholders Equity | 766.67M | 745.96M | 753.57M | 869.28M | 894.00M |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 21.39M | 42.62M | 68.19M | 78.38M |
| Operating Cash Flow | 0.00 | 24.77M | 43.97M | 69.55M | 81.30M |
| Investing Cash Flow | 0.00 | 41.11M | 258.12M | -417.92M | -479.95M |
| Financing Cash Flow | 0.00 | 37.52M | -308.74M | 317.27M | 432.41M |
Kearny Financial Risk Analysis
Kearny Financial disclosed 32 risk factors in its most recent earnings report. Kearny Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Kearny Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $654.74M | 12.00 | 13.02% | 2.28% | 24.95% | 95.35% | |
76 Outperform | $586.59M | 8.52 | 20.68% | 2.36% | 18.07% | 52.19% | |
73 Outperform | $588.79M | 10.42 | 10.05% | 2.45% | 4.88% | 6.47% | |
71 Outperform | $657.50M | 9.86 | 13.73% | 1.15% | 12.91% | 95.79% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $616.32M | 16.31 | 4.77% | 4.65% | 1.05% | 38.31% |
* Financial Sector Average
KRNY
Kearny Financial
9.46
3.68
63.75%
ACNB
ACNB
63.49
20.66
48.23%
CIVB
Civista Bancshares
28.13
8.22
41.29%
HIFS
Hingham Institution For Savings
298.86
42.15
16.42%
NRIM
Northrim Bancorp
26.42
5.19
24.43%
Kearny Financial Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Kearny Financial Declares Quarterly Dividend, Highlights Earnings
Positive
Jul 23, 2026
For the quarter ended June 30, 2026, Kearny Financial reported net income of $7.2 million, or $0.11 per diluted share, down from $10.1 million in the prior quarter, reflecting non-recurring items including a discrete tax charge, severance and OREO...
Business Operations and StrategyFinancial Disclosures
Kearny Financial Highlights Q3 Results and Strategic Initiatives
Positive
Jun 3, 2026
Kearny Financial Corp., traded on Nasdaq under the ticker KRNY, is a New Jersey-based financial institution with approximately $7.6 billion in assets, $5.8 billion in loans, and $5.7 billion in deposits as of March 31, 2026. Founded in 1884, it op...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.