Kearny Financial Corp. KRNY R2K

Financial Services · Banks - Regional · United States

https://www.kearnybank.com

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 residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans, as well as engages in the investment activities. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.

Market & Price

Market Cap

$518.57M

Current Price

$8.24

High / Low (52W)

$8.30 / $5.49

Beta

0.63

Valuation

Stock P/E

14.46

Industry PE

12.01

Forward P/E

10.50

PEG Ratio

-7.92

Book Value

$12.12

Price to Book

0.68

P/S

3.04

EV/EBITDA

Dividend Yield

5.34%

Profitability & Returns

ROCE

ROE

4.75%

ROA

0.47%

Profit Margin

21.02%

Op Margin

31.48%

EPS (Latest Qtr)

$0.16

EPS (TTM)

$0.57

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.06B

Total Assets

$7.74B

Current Assets

Working Capital

Ownership

Promoter Holding

11.20%

Chg in Prom Hold

FII / Inst Holding

68.78%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.45B

Total Revenue (TTM)

$170.59M

EBITDA

Free Cash Flow

Operating Cash Flow

$31.83M

Shares Outstanding

62.93M

Gross Margin

0.00%

Payout Ratio

77.19%

Growth (CAGR)

Revenue 5Y

-9.90%

Profit 5Y

-27.19%

Revenue (YoY)

17.50%

Earnings (YoY)

50.50%

PROS

Excellent profit margin of 21.0%.
Attractive dividend yield of 5.34%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -9.9% CAGR over 5 years.
Earnings shrank at -27.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	KRNY Kearny Financial Corp. R2K	8.24	14.46	$518.57M	5.34%	-	4.75%	-9.90%	-27.19%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Sep 2022	Dec 2022	Mar 2023	Sep 2023	Dec 2023	Mar 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	445.00K	556.00K	473.00K	-	607.00K	698.00K	617.00K	763.00K	734.00K	910.00K	-	-	-	-	-	38.60M	40.83M	43.55M	43.54M	45.33M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45.29M	44.56M	44.80M	42.68M	39.93M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.85M	8.16M	11.97M	11.78M	12.64M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.20M	1.39M	2.46M	2.33M	2.50M
Net Income	2.98M	3.80M	4.17M	4.88M	4.67M	5.46M	4.07M	4.40M	5.23M	1.27M	5.38M	7.72M	11.15M	10.77M	11.42M	8.81M	11.37M	10.65M	9.25M	13.69M	11.38M	16.95M	16.42M	18.48M	19.71M	18.77M	17.69M	16.54M	1.95M	10.31M	9.84M	-13.83M	7.40M	6.09M	-	6.65M	6.77M	9.51M	9.45M	10.14M
Diluted EPS	0.03	0.04	0.05	0.05	0.05	0.06	0.05	0.05	0.07	0.02	0.07	0.08	0.12	0.12	0.13	0.10	0.13	0.13	0.11	0.17	0.13	0.20	0.20	0.24	0.26	0.26	0.25	0.25	0.03	0.16	0.16	-0.22	0.12	0.10	-	0.11	0.11	0.15	0.15	0.16

Profit & Loss (Annual)

Figures in USD.

Metric	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Revenue	-	-	-	-	-	-	-	2.05M	-	210.54M	178.62M	140.60M	154.00M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	29.67M	117.86M	186.27M	189.53M
Pretax Income	-	-	-	-	-	-	-	-	-	92.35M	52.38M	-80.78M	31.00M
Tax Provision	-	-	-	-	-	-	-	-	-	24.80M	11.57M	5.89M	4.92M
Net Income	6.51M	10.19M	5.63M	15.82M	18.60M	19.60M	42.14M	44.97M	-	67.55M	40.81M	-86.67M	26.07M
Diluted EPS	0.07	0.11	0.06	0.18	0.22	0.24	0.46	0.55	-	0.95	0.63	-1.39	0.42

Compounded Sales Growth

5 Years:	-9.90%
1 Year:	17.50%

Compounded Profit Growth

5 Years:	-27.19%
1 Year:	50.50%

Stock Price Performance

1 Year:	+45.57%
6 Months:	+23.05%
3 Months:	+9.19%
1 Month:	+3.51%

Balance Sheet (Annual)

Figures in USD.

Metric	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Total Assets	-	-	3.51B	4.24B	4.50B	4.82B	6.58B	6.63B	6.76B	7.28B	7.72B	8.06B	7.68B	7.74B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	155.58M	127.03M	135.03M	340.14M	199.20M	78.24M	128.86M	38.94M	180.97M	67.86M	101.61M	70.52M	63.86M	167.27M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	20.47M	28.13M	29.52M	28.10M
Total Liabilities	-	-	3.02B	3.07B	3.35B	3.76B	5.31B	5.51B	5.67B	6.24B	6.83B	7.20B	6.93B	6.99B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	651.34M	1.28B	1.43B	1.11B
Total Debt	-	-	-	-	-	-	-	-	-	-	901.34M	1.51B	1.61B	1.26B
Total Equity	491.62M	467.71M	494.68M	1.17B	1.15B	1.06B	1.27B	1.13B	1.08B	1.04B	894.00M	869.28M	753.57M	745.96M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	68.67M	65.86M	64.43M	64.58M

Cash Flows (Annual)

Figures in USD.

Metric	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Operating Cash Flow	-	-	-	39.18M	38.53M	45.09M	39.00M	19.32M	-	81.30M	69.55M	43.97M	24.77M
Investing Cash Flow	-	-	-	-421.63M	-453.55M	-1.45M	-147.94M	85.47M	-	-479.95M	-417.92M	258.12M	41.11M
Financing Cash Flow	-	-	-	241.52M	294.06M	6.98M	19.02M	37.24M	-	432.41M	317.27M	-308.74M	37.52M
Capital Expenditure	-1.04M	-3.56M	-2.05M	-2.19M	-4.04M	-8.27M	-6.14M	-5.96M	-	-2.92M	-1.35M	-1.35M	-3.38M
Free Cash Flow	-	-	-	36.98M	34.49M	36.83M	32.86M	13.36M	-	78.38M	68.19M	42.62M	21.39M
Net Change in Cash	-	-	-	-	-	-	-	-	-	33.76M	-31.10M	-6.65M	103.41M
Share Buybacks	4.32M	4.13M	-	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-	-	-	7.16M	8.29M	20.56M	34.75M	24.12M	28.65M	30.69M	28.50M	27.56M	27.63M

Ratios (Annual)

Figures in %.

Metric	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Jun 2024	Jun 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	2,192.3%	-	32.1%	22.8%	-61.6%	16.9%
ROE %	1.4%	2.1%	0.5%	1.4%	1.8%	1.5%	3.7%	4.1%	-	7.6%	4.7%	-11.5%	3.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

11.20%

Institutions

68.78%

Public Float

77.45%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.31%	7.97M	$65.69M
2	Dimensional Fund Advisors LP	4.92%	3.18M	$26.23M
3	T. Rowe Price Investment Management, Inc.	4.09%	2.65M	$21.80M
4	Renaissance Technologies, LLC	4.07%	2.63M	$21.69M
5	Vanguard Capital Management LLC	3.77%	2.44M	$20.11M
6	Adage Capital Partners GP L.L.C.	3.36%	2.18M	$17.93M
7	AQR Capital Management, LLC	3.08%	1.99M	$16.41M
8	State Street Corporation	2.89%	1.87M	$15.40M
9	Two Sigma Investments, LP	2.51%	1.63M	$13.40M
10	Geode Capital Management, LLC	2.28%	1.48M	$12.17M

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KRNY · Financial Services