KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$510M
5Y Perf.-5.3%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
KRNY vs OCFC
Revenue, margins, valuation, and 5-year total return — side by side.
OCFC
OceanFirst Financial Corp.
Banks - Regional
Market Cap$1.09B
5Y Perf.+14.0%
KRNY vs OCFC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | KRNY | OCFC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $510M | $1.09B |
| Revenue (TTM) | $344M | $656M |
| Net Income (TTM) | $32M | $71M |
| Gross Margin | 44.1% | 54.5% |
| Operating Margin | 9.0% | 14.1% |
| Forward P/E | 13.0x | 10.0x |
| Total Debt | $1.26B | $1.63B |
| Cash & Equiv. | $167M | $135M |
KRNY vs OCFC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
KRNY
OCFC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Kearny Financial Co… (KRNY) | 100 | 94.7 | -5.3% |
| OceanFirst Financia… (OCFC) | 100 | 114.0 | +14.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: KRNY vs OCFC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: KRNY leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. OceanFirst Financial Corp. is the stronger pick specifically for valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.83, yield 5.4%
- Rev growth 5.1%, EPS growth 130.2%
- Lower volatility, beta 0.83, current ratio 1.20x
Best for: income & stability and growth exposure
OCFC
OceanFirst Financial Corp.
The Banking Pick
OCFC is the clearest fit if your priority is long-term compounding and bank quality.
- 45.4% 10Y total return vs KRNY's -7.0%
- NIM 2.5% vs KRNY's 1.7%
- Lower P/E (10.0x vs 13.0x)
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | KRNY | 5.1% NII/revenue growth vs OCFC's -4.7% |
| Value | OCFC | Lower P/E (10.0x vs 13.0x) |
| Quality / Margins | KRNY | Efficiency ratio 0.4% vs OCFC's 0.4% (lower = leaner) |
| Stability / Safety | KRNY | Beta 0.83 vs OCFC's 1.05 |
| Dividends | KRNY | 5.4% yield, vs OCFC's 4.4% |
| Momentum (1Y) | KRNY | +35.4% vs OCFC's +18.7% |
| Efficiency (ROA) | KRNY | Efficiency ratio 0.4% vs OCFC's 0.4% |
KRNY vs OCFC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
KRNY vs OCFC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOCFCLAGGINGKRNY
KRNYKearny Financial Corp.
2leads
OCFCOceanFirst Financial …
4leads
6 Total Categories
CATEGORYLEADERvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OCFC4/5
Valuation MetricsMultiples, price ratios, and targets
OCFC5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OCFC5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
OCFC4/6
Risk & VolatilityBeta, volatility, and downside exposure
KRNY2/2
Analyst OutlookRatings, price targets, and dividends
KRNY1/1
Income & Cash Flow (Last 12 Months)
OCFC leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OCFC is the larger business by revenue, generating $656M annually — 1.9x KRNY's $344M. Profitability is closely matched — net margins range from 10.8% (OCFC) to 7.6% (KRNY).
| Metric | KRNYKearny Financial … | OCFCOceanFirst Financ… |
|---|---|---|
| RevenueTrailing 12 months | $344M | $656M |
| EBITDAEarnings before interest/tax | $43M | $103M |
| Net IncomeAfter-tax profit | $32M | $71M |
| Free Cash FlowCash after capex | $40M | $80M |
| Gross MarginGross profit ÷ Revenue | +44.1% | +54.5% |
| Operating MarginEBIT ÷ Revenue | +9.0% | +14.1% |
| Net MarginNet income ÷ Revenue | +7.6% | +10.8% |
| FCF MarginFCF ÷ Revenue | +6.2% | +12.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +50.0% | -36.1% |
OCFC leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OCFC leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 16.3x trailing earnings, OCFC trades at a 16% valuation discount to KRNY's 19.3x P/E. On an enterprise value basis, OCFC's 27.8x EV/EBITDA is more attractive than KRNY's 44.6x.
| Metric | KRNYKearny Financial … | OCFCOceanFirst Financ… |
|---|---|---|
| Market CapShares × price | $510M | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $1.6B | $2.6B |
| Trailing P/EPrice ÷ TTM EPS | 19.32x | 16.27x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.98x | 10.01x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.85x |
| EV / EBITDAEnterprise value multiple | 44.58x | 27.79x |
| Price / SalesMarket cap ÷ Revenue | 1.49x | 1.67x |
| Price / BookPrice ÷ Book value/share | 0.68x | 0.66x |
| Price / FCFMarket cap ÷ FCF | 23.86x | 13.75x |
OCFC leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
OCFC leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
KRNY delivers a 4.3% return on equity — every $100 of shareholder capital generates $4 in annual profit, vs $4 for OCFC. OCFC carries lower financial leverage with a 0.98x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x. On the Piotroski fundamental quality scale (0–9), KRNY scores 7/9 vs OCFC's 6/9, reflecting strong financial health.
| Metric | KRNYKearny Financial … | OCFCOceanFirst Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +4.3% | +4.3% |
| ROA (TTM)Return on assets | +0.4% | +0.5% |
| ROICReturn on invested capital | +1.1% | +2.2% |
| ROCEReturn on capital employed | +1.5% | +2.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 1.68x | 0.98x |
| Net DebtTotal debt minus cash | $1.1B | $1.5B |
| Cash & Equiv.Liquid assets | $167M | $135M |
| Total DebtShort + long-term debt | $1.3B | $1.6B |
| Interest CoverageEBIT ÷ Interest expense | 0.22x | 0.33x |
OCFC leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
OCFC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OCFC five years ago would be worth $10,235 today (with dividends reinvested), compared to $7,967 for KRNY. Over the past 12 months, KRNY leads with a +35.4% total return vs OCFC's +18.7%. The 3-year compound annual growth rate (CAGR) favors OCFC at 16.2% vs KRNY's 10.0% — a key indicator of consistent wealth creation.
| Metric | KRNYKearny Financial … | OCFCOceanFirst Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +13.4% | +9.0% |
| 1-Year ReturnPast 12 months | +35.4% | +18.7% |
| 3-Year ReturnCumulative with dividends | +33.1% | +56.8% |
| 5-Year ReturnCumulative with dividends | -20.3% | +2.3% |
| 10-Year ReturnCumulative with dividends | -7.0% | +45.4% |
| CAGR (3Y)Annualised 3-year return | +10.0% | +16.2% |
OCFC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
KRNY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
KRNY is the less volatile stock with a 0.83 beta — it tends to amplify market swings less than OCFC's 1.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. KRNY currently trades 95.5% from its 52-week high vs OCFC's 92.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | KRNYKearny Financial … | OCFCOceanFirst Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.83x | 1.05x |
| 52-Week HighHighest price in past year | $8.50 | $20.61 |
| 52-Week LowLowest price in past year | $5.76 | $16.09 |
| % of 52W HighCurrent price vs 52-week peak | +95.5% | +92.4% |
| RSI (14)Momentum oscillator 0–100 | 55.9 | 53.9 |
| Avg Volume (50D)Average daily shares traded | 298K | 661K |
KRNY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
KRNY leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates KRNY as "Hold" and OCFC as "Hold". Consensus price targets imply 17.1% upside for KRNY (target: $10) vs 3.3% for OCFC (target: $20). For income investors, KRNY offers the higher dividend yield at 5.43% vs OCFC's 4.41%.
| Metric | KRNYKearny Financial … | OCFCOceanFirst Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $9.50 | $19.67 |
| # AnalystsCovering analysts | 5 | 8 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +4.4% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.44 | $0.84 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +7.5% |
KRNY leads this category, winning 1 of 1 comparable metric.
Key Takeaway
OCFC leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). KRNY leads in 2 (Risk & Volatility, Analyst Outlook).
Best OverallOceanFirst Financial Corp. (OCFC)Leads 4 of 6 categories
Loading custom metrics...
KRNY vs OCFC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is KRNY or OCFC a better buy right now?
For growth investors, Kearny Financial Corp.
(KRNY) is the stronger pick with 5. 1% revenue growth year-over-year, versus -4. 7% for OceanFirst Financial Corp. (OCFC). OceanFirst Financial Corp. (OCFC) offers the better valuation at 16. 3x trailing P/E (10. 0x forward), making it the more compelling value choice. Analysts rate Kearny Financial Corp. (KRNY) a "Hold" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — KRNY or OCFC?
On trailing P/E, OceanFirst Financial Corp.
(OCFC) is the cheapest at 16. 3x versus Kearny Financial Corp. at 19. 3x. On forward P/E, OceanFirst Financial Corp. is actually cheaper at 10. 0x.
03Which is the better long-term investment — KRNY or OCFC?
Over the past 5 years, OceanFirst Financial Corp.
(OCFC) delivered a total return of +2. 3%, compared to -20. 3% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: OCFC returned +45. 4% versus KRNY's -7. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — KRNY or OCFC?
By beta (market sensitivity over 5 years), Kearny Financial Corp.
(KRNY) is the lower-risk stock at 0. 83β versus OceanFirst Financial Corp. 's 1. 05β — meaning OCFC is approximately 26% more volatile than KRNY relative to the S&P 500. On balance sheet safety, OceanFirst Financial Corp. (OCFC) carries a lower debt/equity ratio of 98% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — KRNY or OCFC?
By revenue growth (latest reported year), Kearny Financial Corp.
(KRNY) is pulling ahead at 5. 1% versus -4. 7% for OceanFirst Financial Corp. (OCFC). On earnings-per-share growth, the picture is similar: Kearny Financial Corp. grew EPS 130. 2% year-over-year, compared to -29. 1% for OceanFirst Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — KRNY or OCFC?
OceanFirst Financial Corp.
(OCFC) is the more profitable company, earning 10. 8% net margin versus 7. 6% for Kearny Financial Corp. — meaning it keeps 10. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OCFC leads at 14. 1% versus 9. 0% for KRNY. At the gross margin level — before operating expenses — OCFC leads at 54. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is KRNY or OCFC more undervalued right now?
On forward earnings alone, OceanFirst Financial Corp.
(OCFC) trades at 10. 0x forward P/E versus 13. 0x for Kearny Financial Corp. — 3. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KRNY: 17. 1% to $9. 50.
08Which pays a better dividend — KRNY or OCFC?
All stocks in this comparison pay dividends.
Kearny Financial Corp. (KRNY) offers the highest yield at 5. 4%, versus 4. 4% for OceanFirst Financial Corp. (OCFC).
09Is KRNY or OCFC better for a retirement portfolio?
For long-horizon retirement investors, Kearny Financial Corp.
(KRNY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 5. 4% yield). Both have compounded well over 10 years (KRNY: -7. 0%, OCFC: +45. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between KRNY and OCFC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: KRNY is a small-cap income-oriented stock; OCFC is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(KRNY: 5.1% · OCFC: -4.7%)Net Margin>
%
(KRNY: 7.6% · OCFC: 10.8%)P/E Ratio<
x
(KRNY: 19.3x · OCFC: 16.3x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.