Kearny Financial (KRNY)
NASDAQ:KRNY
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Kearny Financial
(NASDAQ:KRNY)
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Rating:66Neutral
Price Target:
$9.00
▲(10.84% Upside)
Action:Reiterated
Date:06/03/26
The score is driven primarily by improving financial performance (turnaround to profitability and reduced leverage) but tempered by still-modest ROE and weakening free-cash-flow momentum. Technicals are supportive with price above major moving averages and positive MACD, while valuation is helped by a reasonable P/E and a strong dividend yield.
Positive Factors
Market position & deposit franchise
A concentrated, relationship-focused branch footprint and large local deposit base provide durable, low-cost funding and entrenched customer relationships. This supports stable core deposit funding, predictable loan origination channels, and cross-sell opportunities that bolster long-term net interest income and funding resilience.
Negative Factors
Low return on equity
Sub‑5% ROE implies the franchise is not yet generating attractive returns on capital versus peers. Persistent low ROE constrains shareholder value creation unless management sustains margin gains, rebalances asset mix toward higher-yielding loans, or materially improves efficiency over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Market position & deposit franchise
A concentrated, relationship-focused branch footprint and large local deposit base provide durable, low-cost funding and entrenched customer relationships. This supports stable core deposit funding, predictable loan origination channels, and cross-sell opportunities that bolster long-term net interest income and funding resilience.
Read all positive factors
Kearny Financial (KRNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$531.51M
Dividend Yield5.8%
Average Volume (3M)306.40K
Price to Earnings (P/E)14.0
Beta (1Y)0.87
Revenue Growth-0.49%
EPS GrowthN/A
CountryUS
Employees552
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.57
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 Cap2.74
Enterprise Value/Revenue4.21
Enterprise Value/Gross Profit8.53
Enterprise Value/Ebitda31.02
Forecast
1Y Price Target
$9.00Price Target Upside10.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.63
Revenue Forecast (FY)$176.46M
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 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 | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 345.24M | 343.53M | 326.88M | 296.48M | 240.21M | 256.06M |
| Gross Profit | 170.59M | 151.63M | 134.38M | 176.13M | 218.06M | 207.33M |
| EBITDA | 46.90M | 35.88M | -75.52M | 58.67M | 99.00M | 91.34M |
| Net Income | 35.86M | 26.07M | -86.67M | 40.81M | 67.55M | 63.23M |
Balance Sheet | ||||||
| Total Assets | 7.61B | 7.74B | 7.68B | 8.06B | 7.72B | 7.28B |
| Cash, Cash Equivalents and Short-Term Investments | 1.11B | 1.18B | 1.14B | 1.30B | 1.45B | 1.74B |
| Total Debt | 1.06B | 1.26B | 1.61B | 1.51B | 901.34M | 685.88M |
| Total Liabilities | 6.84B | 6.99B | 6.93B | 7.20B | 6.83B | 6.24B |
| Stockholders Equity | 763.03M | 745.96M | 753.57M | 869.28M | 894.00M | 1.04B |
Cash Flow | ||||||
| Free Cash Flow | 30.74M | 21.39M | 42.62M | 68.19M | 78.38M | 69.96M |
| Operating Cash Flow | 31.83M | 24.77M | 43.97M | 69.55M | 81.30M | 75.42M |
| Investing Cash Flow | 125.15M | 41.11M | 258.12M | -417.92M | -479.95M | -83.97M |
| Financing Cash Flow | -161.15M | 37.52M | -308.74M | 317.27M | 432.41M | -104.56M |
Kearny Financial Technical Analysis
Positive
8.12
Price Trends
7.90
Positive
7.76
Positive
7.16
Positive
Market Momentum
0.07
Positive
47.36
Neutral
27.30
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 8.12 is above the 20-day moving average (MA) of 8.09, above the 50-day MA of 7.90, and above the 200-day MA of 7.16, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 47.36 is Neutral, neither overbought nor oversold. The STOCH value of 27.30 is Neutral, 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 | $440.96M | 11.15 | 15.41% | 1.63% | 10.47% | 36.72% | |
80 Outperform | $629.55M | 5.52 | 24.82% | ― | 30.36% | 306.20% | |
75 Outperform | $600.79M | 13.30 | 12.46% | 0.73% | 7.26% | 25.66% | |
72 Outperform | $501.19M | 10.67 | 12.67% | 3.03% | -0.15% | 20.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $531.51M | 14.00 | 4.75% | 5.80% | -0.49% | ― | |
63 Neutral | $524.18M | 15.23 | 4.89% | 5.16% | 17.82% | ― |
* Financial Sector Average
KRNY
Kearny Financial
7.98
2.38
42.40%
FFIC
Flushing Financial
15.47
4.37
39.36%
GCBC
Greene County Bancorp
25.56
4.31
20.29%
BSRR
Sierra Bancorp
37.58
11.43
43.70%
CARE
Carter Bankshares
27.33
10.91
66.47%
RRBI
Red River Bancshares
89.74
34.14
61.41%
Kearny Financial Corporate Events
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...
Business Operations and StrategyDividendsFinancial Disclosures
Kearny Financial Reports Higher Earnings and Declares Dividend
Positive
Apr 23, 2026
Kearny Financial Corp. reported that for the quarter ended March 31, 2026, net income rose to $10.1 million, or $0.16 per diluted share, from $9.4 million, or $0.15 per diluted share, in the prior quarter, driven by its sixth consecutive quarter o...
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.