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Kearny Financial Corp. logo

Kearny Financial Corp.

KRNY

NASDAQFinancial ServicesBanks - Regional

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Previous close

$9.73

+$0.06 · +0.62%

Aug 21, 4:00 PM ET

KRNY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

82

Deep Value

Momentum

62

Gaining

Sentiment

65

Bullish

Risk resilience

76

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

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-bearing and non-interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. Furthermore, Kearny Bank extends various lending options, such as mortgages for multi-family and commercial real estate, business term loans and credit lines, primary mortgages for single- to four-family residences, and home equity loans and lines of credit. It also provides financing for the construction or renovation of one-to-four family homes, commercial properties, or multi-family dwellings, alongside overdraft facilities and personal loans. Beyond these, the corporation engages in investment activities. As of August 18, 2021, its operations included 48 branch offices located throughout northern and central New Jersey, in addition to Brooklyn and Staten Island, New York. The company, established in 1884, has its headquarters in Fairfield, New Jersey.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Craig L. Montanaro
Listed since
Feb 24, 2005
Employees
531

Market position

Day range

Current $9.73

52-week range

Current $9.73

Open
$9.77
Previous close
$9.67
Volume
688.82K
1.37× average
Average volume
503.19K
Average daily volume
Market cap
612.34M USD
Beta
0.61
Market reference 1
50-day average
$9.3462
+4.11% above average
200-day average
$8.0802
+20.42% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.63B USD
P/E (TTM)
16.78×
P/B (TTM)
0.8×
P/S (TTM)
1.76×
EV / EBITDA
31.45×
Earnings yield
6.10%
Free cash flow yield
6.35%
Dividend yield
4.52%

Profitability & efficiency

Gross margin
50.82%
Operating margin
13.66%
Net margin
10.45%
Return on equity
4.73%
Return on assets
0.47%
Return on invested capital
2.56%

Financial health

Debt / equity
1.5×
Current ratio
1.21×
Altman Z-score
1.23
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%56%9%-38%Gross margin, FY2022: 90.78%Gross margin, FY2023: 59.41%Gross margin, FY2024: 41.11%Gross margin, FY2025: 44.14%Gross margin, FY2026: 50.82%Operating margin, FY2022: 38.44%Operating margin, FY2023: 17.67%Operating margin, FY2024: -24.71%Operating margin, FY2025: 9.02%Operating margin, FY2026: 13.66%Net margin, FY2022: 28.12%Net margin, FY2023: 13.77%Net margin, FY2024: -26.51%Net margin, FY2025: 7.59%Net margin, FY2026: 10.45%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 90.78%. Gross margin FY2023 59.41%. Gross margin FY2024 41.11%. Gross margin FY2025 44.14%. Gross margin FY2026 50.82%. Operating margin FY2022 38.44%. Operating margin FY2023 17.67%. Operating margin FY2024 -24.71%. Operating margin FY2025 9.02%. Operating margin FY2026 13.66%. Net margin FY2022 28.12%. Net margin FY2023 13.77%. Net margin FY2024 -26.51%. Net margin FY2025 7.59%. Net margin FY2026 10.45%.

Income trends

Revenue

347.14M USD+1.05%

Operating income

47.4M USD+52.91%

Net income

36.26M USD+39.08%
Income trends across reported periods390.52M USD217M USD43.47M USD−130.05M USDRevenue, FY2022: 240.21M USDRevenue, FY2023: 296.48M USDRevenue, FY2024: 326.88M USDRevenue, FY2025: 343.53M USDRevenue, FY2026: 347.14M USDOperating income, FY2022: 92.35M USDOperating income, FY2023: 52.38M USDOperating income, FY2024: −80.78M USDOperating income, FY2025: 31M USDOperating income, FY2026: 47.4M USDNet income, FY2022: 67.55M USDNet income, FY2023: 40.81M USDNet income, FY2024: −86.67M USDNet income, FY2025: 26.08M USDNet income, FY2026: 36.26M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 240.21M USD. Revenue FY2023 296.48M USD. Revenue FY2024 326.88M USD. Revenue FY2025 343.53M USD. Revenue FY2026 347.14M USD. Operating income FY2022 92.35M USD. Operating income FY2023 52.38M USD. Operating income FY2024 −80.78M USD. Operating income FY2025 31M USD. Operating income FY2026 47.4M USD. Net income FY2022 67.55M USD. Net income FY2023 40.81M USD. Net income FY2024 −86.67M USD. Net income FY2025 26.08M USD. Net income FY2026 36.26M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue347.14M USD343.53M USD326.88M USD296.48M USD240.21M USD
Cost of goods sold170.73M USD191.9M USD192.5M USD120.35M USD22.15M USD
Gross profit176.41M USD151.63M USD134.38M USD176.13M USD218.06M USD
Selling, general, and administrative84.01M USD80.01M USD78.1M USD84.21M USD82.91M USD
Operating expenses129.01M USD120.63M USD215.15M USD123.75M USD125.71M USD
Interest income324.31M USD324.48M USD328.87M USD293.72M USD226.27M USD
Interest expense169.03M USD189.53M USD186.27M USD117.86M USD29.67M USD
Depreciation and amortization4.43M USD4.88M USD5.26M USD6.3M USD6.66M USD
Operating income47.4M USD31M USD−80.78M USD52.38M USD92.35M USD
Net income36.26M USD26.08M USD−86.67M USD40.81M USD67.55M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
18%
2 beats, 6 misses, 3 met estimates
Average EPS surprise
-8.38%
11 comparable reports
Latest EPS result
0.15
Estimate 0.17 · Miss by 9.09%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.220.180.130.09Q1 '25MissQ2 '25MetQ3 '25MissQ4 '25MetQ1 '26MissQ2 '26MetQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.1, estimate 0.12, surprise -16.67%, Miss. Q2 2025, reported Apr 24, 2025: actual 0.11, estimate 0.11, surprise 0.00%, Met estimate. Q3 2025, reported Jul 24, 2025: actual 0.11, estimate 0.13, surprise -15.38%, Miss. Q4 2025, reported Oct 23, 2025: actual 0.15, estimate 0.15, surprise 0.00%, Met estimate. Q1 2026, reported Jan 22, 2026: actual 0.15, estimate 0.16, surprise -6.25%, Miss. Q2 2026, reported Apr 23, 2026: actual 0.15, estimate 0.15, surprise 0.00%, Met estimate. Q3 2026, reported Jul 23, 2026: actual 0.15, estimate 0.165, surprise -9.09%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.18, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates48.84M44.43M40.02M35.61MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 37.49M USD, estimate 39.23M USD, surprise -4.45%, Miss. Q2 2025, reported Apr 24, 2025: actual 38.6M USD, estimate 38.71M USD, surprise -0.27%, Miss. Q3 2025, reported Jul 24, 2025: actual 40.83M USD, estimate 42.43M USD, surprise -3.75%, Miss. Q4 2025, reported Oct 23, 2025: actual 43.55M USD, estimate 44.84M USD, surprise -2.87%, Miss. Q1 2026, reported Jan 22, 2026: actual 43.54M USD, estimate 44.84M USD, surprise -2.90%, Miss. Q2 2026, reported Apr 23, 2026: actual 44.31M USD, estimate 43.67M USD, surprise +1.47%, Beat. Q3 2026, reported Jul 23, 2026: actual 45.69M USD, estimate 45.61M USD, surprise +0.18%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 46.96M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

5 ratings
Strong buy00%
Buy240%
Hold360%
Sell00%
Strong sell00%

Recent analyst actions

2 institutions

KRNY news

defenseworld.net

Kearny Financial (NASDAQ:KRNY) Sets New 52-Week High – Time to Buy?

Kearny Financial (NASDAQ: KRNY - Get Free Report) hit a new 52-week high on Tuesday. The company traded as high as $9.83 and last traded at $9.77, with a volume of 2022214 shares traded. The stock had previously closed…

Read source
zacks.com

Kearny (KRNY) Q4 Earnings Lag Estimates

Kearny (KRNY) came out with quarterly earnings of $0.15 per share, missing the Zacks Consensus Estimate of $0.17 per share. This compares to earnings of $0.11 per share a year ago.

Read source
zacks.com

Kearny (KRNY) Earnings Expected to Grow: Should You Buy?

Kearny (KRNY) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Read source
247wallst.com

The Russell 2000 Is Blowing Away Every Index – 5 R2K Leaders With Dividends

As of mid June, the Russell 2000 is running laps around all of the other major U.S.

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.44

2025 complete year+10.0% since 2021

2026 partial: $0.33

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 12, 2026

$0.11

Quarterly

Record Aug 12, 2026 · Payment Aug 26, 2026

Dividend

Ex-dividend May 6, 2026

$0.11

Quarterly

Record May 6, 2026 · Payment May 20, 2026

Dividend

Ex-dividend Feb 4, 2026

$0.11

Quarterly

Record Feb 4, 2026 · Payment Feb 18, 2026

Dividend

Ex-dividend Nov 5, 2025

$0.11

Quarterly

Record Nov 5, 2025 · Payment Nov 19, 2025

Dividend

Ex-dividend Aug 12, 2025

$0.11

Quarterly

Record Aug 12, 2025 · Payment Aug 26, 2025

Dividend

Ex-dividend May 7, 2025

$0.11

Quarterly

Record May 7, 2025 · Payment May 21, 2025

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ETFs holding KRNY

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
18.13M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
15.58M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Invesco KBW High Dividend Yield Financial ETF logoInvesco KBW High Dividend Yield Financial ETFKBWD
Market value
6.77M
Weight
1.65%
AUM
417.88M USD
Expense ratio
5.39%
Price / 1D
$12.60+0.16%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
6.48M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
5.64M
Weight
0.04%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
3.84M
Weight
0.09%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
3.6M
Weight
0.04%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
3.16M
Weight
0.02%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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