Kearny Financial (KRNY) AI Stock Analysis

• Market Cap: $382.31M
• Dividend Yield: 7.43%
• Average Volume (3M): 337.46K
• Price to Earnings (P/E): 14.2
• Beta (1Y): 0.95
• Revenue Growth: 5.09%
• EPS Growth: N/A
• Country: US
• Employees: 552
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.11
• Shares Outstanding: 64,579,680
• 10 Day Avg. Volume: 334,377
• 30 Day Avg. Volume: 337,462
• PEG Ratio: 0.01
• Price to Book (P/B): 0.50
• Price to Sales (P/S): 1.15
• P/FCF Ratio: 8.79
• Enterprise Value/Market Cap: 3.91
• Enterprise Value/Revenue: 4.31
• Enterprise Value/Gross Profit: 10.09
• Enterprise Value/Ebitda: -23.65
• 1Y Price Target: $7.00
• Price Target Upside: 18.24% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 58 Neutral
• Price Target: $6.50 ▲(9.80% Upside)

Kearny Financial's overall stock score is influenced by its stable cash flow management and recent net income announcement, which are positive indicators. However, profitability challenges, bearish technical signals, and negative valuation metrics weigh down the score, suggesting moderate investor caution.

Kearny Financial Business Overview & Revenue Model

Company Description

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. The company offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. It also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family first mortgage loans, and home equity loans and lines of credit; loans to individuals for the construction or renovation of one- to four-family residences, or for the construction of commercial real estate or multi-family residential buildings; overdraft lines of credit; and personal loans. In addition, the company engages in investment activities. As of August 18, 2021, it operated a total of 48 branch offices located throughout northern and central New Jersey and Brooklyn and Staten Island, New York. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.

How the Company Makes Money

Kearny Financial makes money primarily through interest income generated from its lending activities. The company extends various types of loans, including residential mortgages, commercial real estate loans, and business loans, earning interest from borrowers. Additionally, Kearny Financial generates revenue from non-interest income sources, such as fees from deposit accounts, wealth management services, and other banking-related services. The company's profitability is influenced by interest rate trends, loan demand, and its ability to manage credit risk effectively. Partnerships with local businesses and community engagement also play a role in sustaining its revenue streams.

Kearny Financial Financial Statement Overview

Summary

Kearny Financial faces challenges with profitability and declining equity, yet demonstrates operational efficiency and effective cash management. The company must address its negative earnings trajectory to improve long-term viability while leveraging its stable equity and cash flow strengths to stabilize and grow.

Income Statement

Kearny Financial's income statement reveals declining profitability with a negative net income and EBIT over the TTM period, resulting in negative profit margins. Revenue growth is positive but modest compared to the prior year. The company's gross profit margin remains positive, indicating some level of operational efficiency. However, sustained losses and declining EBIT margins pose a risk to long-term financial health.

Balance Sheet

The balance sheet shows a stable equity position with a moderate debt-to-equity ratio, reflecting manageable leverage levels. The equity ratio remains healthy, indicating that the company is not overly reliant on debt financing. However, the decline in stockholders' equity over time suggests potential challenges in maintaining financial stability.

Cash Flow

Cash flow analysis highlights a positive free cash flow and a strong operating cash flow to net income ratio, suggesting effective cash management despite net losses. The free cash flow growth rate is negative, indicating cash flow pressures, but overall, the company maintains a solid cash position, which is crucial for weathering financial difficulties.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	346.93M	326.88M	296.48M	240.21M	256.06M	252.93M
Gross Profit	148.13M	134.38M	176.13M	218.06M	207.33M	164.88M
EBITDA	-63.20M	-75.52M	58.67M	99.00M	91.34M	63.06M
Net Income	-70.77M	-86.67M	40.81M	67.55M	63.23M	44.97M
Balance Sheet
Total Assets	7.73B	7.68B	8.06B	7.72B	7.28B	6.76B
Cash, Cash Equivalents and Short-Term Investments	1.13B	1.14B	1.30B	1.45B	1.74B	1.57B
Total Debt	1.21B	1.61B	1.51B	901.34M	685.88M	1.17B
Total Liabilities	6.99B	6.93B	7.20B	6.83B	6.24B	5.67B
Stockholders Equity	748.11M	753.57M	869.28M	894.00M	1.04B	1.08B
Cash Flow
Free Cash Flow	20.32M	42.62M	68.19M	78.38M	69.96M	13.36M
Operating Cash Flow	23.94M	43.97M	69.55M	81.30M	75.42M	19.32M
Investing Cash Flow	66.67M	258.12M	-417.92M	-479.95M	-83.97M	85.47M
Financing Cash Flow	-35.54M	-308.74M	317.27M	432.41M	-104.56M	37.24M

Kearny Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.92
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 5.92 is below the 20-day moving average (MA) of 6.21, below the 50-day MA of 6.28, and below the 200-day MA of 6.65, indicating a bearish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 37.21 is Neutral, neither overbought nor oversold. The STOCH value of 22.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KRNY.

Kearny Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BSRR	76 Outperform	$387.73M	9.84	11.53%	3.47%	0.85%	18.21%
GCBC	75 Outperform	$391.62M	12.58	14.00%	1.57%	13.07%	25.72%
RRBI	72 Outperform	$412.63M	10.89	12.02%	0.68%	9.09%	23.58%
CARE	71 Outperform	$394.68M	12.81	8.06%	―	9.18%	153.68%
Sector *	58 Neutral	HK$111.21B	6.35	-4.20%	4.00%	8.89%	-46.47%
KRNY	58 Neutral	$382.31M	14.24	3.48%	7.43%	5.09%	―
FFIC	54 Neutral	$412.10M	16.43	-5.27%	7.21%	-7.00%	-233.54%

Kearny Financial Corporate Events

Kearny Financial Reports Strong Fiscal Year Results

On July 24, 2025, Kearny Financial Corp. announced its financial results for the fourth quarter and fiscal year ending June 30, 2025, reporting a net income of $26.1 million for the fiscal year compared to a net loss the previous year. The company declared a quarterly cash dividend of $0.11 per share, reflecting its strong financial performance and strategic execution, including a 23% growth in pre-tax, pre-provision earnings per share and a 10 basis point increase in net interest margin. The company also received regulatory approval to consolidate three branch locations, which is expected to have minimal financial impact.

The most recent analyst rating on (KRNY) stock is a Buy with a $8.50 price target. To see the full list of analyst forecasts on Kearny Financial stock, see the KRNY Stock Forecast page.

Kearny Financial Amends Executive Retirement Plan

On June 18, 2025, Kearny Bank and its President and CEO, Craig L. Montanaro, amended the Supplemental Executive Retirement Plan (SERP) to allow benefits to increase starting July 1, 2025. This change impacts the Executive, who is the sole participant in the SERP, potentially enhancing his retirement benefits and reflecting strategic adjustments in executive compensation.

The most recent analyst rating on (KRNY) stock is a Buy with a $8.50 price target. To see the full list of analyst forecasts on Kearny Financial stock, see the KRNY Stock Forecast page.