Kearny Financial (KRNY)
NASDAQ:KRNY
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Kearny Financial
(NASDAQ:KRNY)
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Rating:65Neutral
Price Target:
$8.00
▼(-0.50% Downside)
Action:ReiteratedDate:02/06/26
The score is driven primarily by improving financial performance supported by strong free cash flow, alongside constructive technical trends with the stock trading above key moving averages. Valuation and dividend yield add support, while the overall score is held back by modest ROE, meaningful leverage, and a mixed growth/volatility profile.
Positive Factors
Cash generation
Consistent TTM operating cash flow near $40.7M and free cash flow of ~$39.8M (roughly 98% of net income) indicates high earnings quality and durable internal funding. This supports dividends, strategic investment and loss-absorption capacity, improving resilience over the medium term.
Negative Factors
Elevated leverage
A debt-to-equity near 1.45x signals elevated leverage for a regional bank. Higher leverage raises sensitivity to credit stress and rate swings, constrains regulatory and strategic flexibility, and limits the firm's ability to expand lending or absorb unexpected losses without raising capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Consistent TTM operating cash flow near $40.7M and free cash flow of ~$39.8M (roughly 98% of net income) indicates high earnings quality and durable internal funding. This supports dividends, strategic investment and loss-absorption capacity, improving resilience over the medium term.
Read all positive factors
Kearny Financial (KRNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$519.86M
Dividend Yield5.8%
Average Volume (3M)306.40K
Price to Earnings (P/E)12.3
Beta (1Y)0.88
Revenue Growth4.38%
EPS GrowthN/A
CountryUS
Employees552
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.15
Shares Outstanding64,739,150
10 Day Avg. Volume248,472
30 Day Avg. Volume306,397
Financial Highlights & Ratios
PEG Ratio-0.12
Price to Book (P/B)0.54
Price to Sales (P/S)1.18
P/FCF Ratio18.88
Enterprise Value/Market Cap4.52
Enterprise Value/Revenue6.83
Enterprise Value/Gross Profit14.33
Enterprise Value/Ebitda54.21
Forecast
1Y Price Target
$8.50Price Target Upside5.72% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.62
Revenue Forecast (FY)$175.66M
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 check...
How the Company Makes Money
Kearny Financial makes money primarily through traditional banking spread and fee-based activities. The core earnings engine is net interest income: the bank collects interest and related income on its loan portfolio (such as residential real esta...
Kearny Financial Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
54
Neutral
Cash Flow
71
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 343.87M | 343.53M | 326.88M | 296.48M | 240.21M | 256.06M |
| Gross Profit | 163.89M | 151.63M | 134.38M | 176.13M | 218.06M | 207.33M |
| EBITDA | 43.32M | 35.88M | -75.52M | 58.67M | 99.00M | 91.34M |
| Net Income | 32.37M | 26.07M | -86.67M | 40.81M | 67.55M | 63.23M |
Balance Sheet | ||||||
| Total Assets | 7.62B | 7.74B | 7.68B | 8.06B | 7.72B | 7.28B |
| Cash, Cash Equivalents and Short-Term Investments | 1.15B | 1.18B | 1.14B | 1.30B | 1.45B | 1.74B |
| Total Debt | 1.99B | 1.26B | 1.61B | 1.51B | 901.34M | 685.88M |
| Total Liabilities | 6.86B | 6.99B | 6.93B | 7.20B | 6.83B | 6.24B |
| Stockholders Equity | 757.40M | 745.96M | 753.57M | 869.28M | 894.00M | 1.04B |
Cash Flow | ||||||
| Free Cash Flow | 39.77M | 21.39M | 42.62M | 68.19M | 78.38M | 69.96M |
| Operating Cash Flow | 40.70M | 24.77M | 43.97M | 69.55M | 81.30M | 75.42M |
| Investing Cash Flow | 114.37M | 41.11M | 258.12M | -417.92M | -479.95M | -83.97M |
| Financing Cash Flow | -151.20M | 37.52M | -308.74M | 317.27M | 432.41M | -104.56M |
Kearny Financial Technical Analysis
Positive
8.04
Price Trends
7.71
Positive
7.52
Positive
6.88
Positive
Market Momentum
0.12
Negative
64.31
Neutral
88.72
Negative
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 8.04 is above the 20-day moving average (MA) of 7.50, above the 50-day MA of 7.71, and above the 200-day MA of 6.88, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 64.31 is Neutral, neither overbought nor oversold. The STOCH value of 88.72 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KRNY.
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 | $616.22M | 11.15 | 12.35% | 0.73% | 7.81% | 26.91% | |
73 Outperform | $396.73M | 9.19 | 15.00% | 1.63% | 13.16% | 37.40% | |
69 Neutral | $540.81M | 12.67 | 7.65% | ― | 6.62% | 117.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $519.86M | 12.32 | 4.31% | 5.80% | 4.38% | ― | |
64 Neutral | $477.62M | 8.40 | 11.07% | 3.03% | -0.65% | 14.14% | |
57 Neutral | $539.77M | 32.49 | 2.67% | 5.16% | -11.91% | -235.73% |
* Financial Sector Average
KRNY
Kearny Financial
8.04
2.60
47.71%
FFIC
Flushing Financial
15.79
5.32
50.81%
GCBC
Greene County Bancorp
23.55
2.50
11.90%
BSRR
Sierra Bancorp
36.09
11.62
47.49%
CARE
Carter Bankshares
24.49
9.99
68.90%
RRBI
Red River Bancshares
93.81
45.38
93.71%
Kearny Financial Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Kearny Financial Reports Stable Earnings, Declares Quarterly Dividend
Positive
Jan 22, 2026
Kearny Financial Corp., the holding company for Kearny Bank, reported second-quarter fiscal 2026 net income of $9.4 million, or $0.15 per diluted share, for the quarter ended December 31, 2025, essentially flat versus the prior quarter, as the ban...
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.