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KRNYKearny Financial Corp.
$8.47$533M
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KRNY logoKearny Financial Corp.(KRNY)Earnings, Financials & Key Ratios

KRNY•NASDAQ•Banking & Credit
20.2× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutKearny 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 first mortgage loans, and home equity loans and lines of credit; loans to individuals for the construction or renovation of one- to four-family residences, or for the construction of commercial real estate or multi-family residential buildings; overdraft lines of credit; and personal loans. In addition, the company engages in investment activities. As of August 18, 2021, it operated a total of 48 branch offices located throughout northern and central New Jersey and Brooklyn and Staten Island, New York. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.Show more
  • Net Interest Income$135M-5.4%
  • Total Revenue$344M+5.1%
  • Net Income$26M+130.1%
  • Return on Equity3.48%+132.6%
  • Net Interest Margin1.74%-6.1%
  • Efficiency Ratio35.12%-46.7%
  • ROA0.34%+130.7%
  • Equity / Assets9.64%-1.7%
  • Book Value per Share11.89-1.4%

KRNY Key Insights

Kearny Financial Corp. (KRNY) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 35.1% efficiency ratio
  • ✓Healthy dividend yield of 5.2%
  • ✓Trading near 52-week high
  • ✓Trading at only 0.7x book value

✗Weaknesses

  • ✗Profits declining 10.3% over 5 years
  • ✗Weak NIM of 1.7%
  • ✗Dividend payout exceeds 100% of earnings

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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KRNY Price & Volume

Kearny Financial Corp. (KRNY) stock price & volume — 10-year historical chart

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KRNY Growth Metrics

Kearny Financial Corp. (KRNY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.66%
5 Years6.31%
3 Years12.67%
TTM-

Profit CAGR

10 Years16.57%
5 Years-10.33%
3 Years-27.19%
TTM146.23%

EPS CAGR

10 Years21.48%
5 Years-5.25%
3 Years-23.82%
TTM145.92%

Return on Capital

10 Years1.91%
5 Years2.03%
3 Years0.22%
Last Year1.45%

KRNY Recent Earnings

Kearny Financial Corp. (KRNY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.15+0.0%
$0.15
Rev
$44M+1.5%
$44M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.15-6.3%
$0.16
Rev
$44M-2.9%
$45M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.15+0.0%
$0.15
Rev
$44M-2.9%
$45M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$0.11-15.4%
$0.13
Rev
$41M-3.8%
$42M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.15vs $0.15+0.0%
$44Mvs $44M+1.5%
Q1 2026Jan 22, 2026
$0.15vs $0.16-6.3%
$44Mvs $45M-2.9%
Q4 2025Oct 23, 2025
$0.15vs $0.15+0.0%
$44Mvs $45M-2.9%
Q3 2025Jul 24, 2025
$0.11vs $0.13-15.4%
$41Mvs $42M-3.8%
Based on last 12 quarters of dataView full earnings history →

KRNY Peer Comparison

Kearny Financial Corp. (KRNY) competitors in Commercial real estate and multifamily lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
OCFC logoOCFCOceanFirst Financial Corp.Direct Competitor1.03B18.0315.41-4.7%10.75%4.26%0.98
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor601.82M14.41727.78-26.69%0.3%0.11%1.44
WAFD logoWAFDWaFd, Inc.Product Competitor2.81B36.4813.87-1.58%17.46%8.02%0.60
HONE logoHONEHarborOne Bancorp, Inc.Product Competitor522.22M12.1018.3310.7%8.56%4.56%0.90
DCOM logoDCOMDime Community Bancshares, Inc.Product Competitor1.72B39.0016.4613.03%15.15%7.67%0.25
FHN logoFHNFirst Horizon CorporationSupply Chain12.31B24.8113.200.97%19.99%10.71%0.50
ICE logoICEIntercontinental Exchange, Inc.Supply Chain75.83B133.8823.207.46%26.14%11.57%0.70

Compare KRNY vs Peers

Kearny Financial Corp. (KRNY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for KRNY.

Scale Benchmark

vs ICE

Larger-name benchmark to compare KRNY against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, OCFC, NFBK, WAFD

KRNY Income Statement

Kearny Financial Corp. (KRNY) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Net Interest Income
102.57M121.29M155.31M153.95M188.23M196.6M175.87M142.59M134.94M145.56M
NII Growth %
7.99%18.25%28.05%-0.88%22.27%4.45%-10.55%-18.92%-5.37%39.54%
Net Interest Margin %
2.13%1.84%2.34%2.28%2.58%2.55%2.18%1.86%1.74%1.91%
Interest Income
139.09M171.43M237.33M237.8M238.09M226.27M293.72M328.87M324.48M322.9M
Interest Expense
36.52M50.14M82.02M83.85M49.85M29.67M117.86M186.27M189.53M177.34M
Loan Loss Provision
5.38M2.71M3.56M4.2M-1.12M-7.52M2.49M6.23M2.37M2.64M
Non-Interest Income
11.35M13.26M13.55M15.12M17.97M13.93M2.75M-1.99M19.05M20.97M
Non-Interest Income %
7.54%7.18%5.4%5.98%7.02%5.8%0.93%-0.61%5.55%6.1%
Total Revenue
150.44M▲ 0%
184.69M▲ 22.8%
250.89M▲ 35.8%
252.93M▲ 0.8%
256.06M▲ 1.2%
240.21M▼ 6.2%
296.48M▲ 23.4%
326.88M▲ 10.3%
343.53M▲ 5.1%
343.87M▲ 0%
Revenue Growth %
9.32%22.77%35.84%0.81%1.24%-6.19%23.43%10.25%5.09%-6.21%
Non-Interest Expense
81.12M97.85M109.24M107.62M122.83M125.71M123.75M215.15M120.63M124.14M
Efficiency Ratio
53.92%52.98%43.54%42.55%47.97%52.33%41.74%65.82%35.12%36.1%
Operating Income
27.42M▲ 0%
34M▲ 24.0%
56.07M▲ 64.9%
57.25M▲ 2.1%
84.5M▲ 47.6%
92.35M▲ 9.3%
52.38M▼ 43.3%
-80.78M▼ 254.2%
31M▲ 138.4%
39.75M▲ 0%
Operating Margin %
18.23%18.41%22.35%22.64%33%38.44%17.67%-24.71%9.02%11.56%
Operating Income Growth %
21.31%23.98%64.91%2.11%47.59%9.29%-43.28%-254.21%138.38%-
Pretax Income
27.42M▲ 0%
34M▲ 24.0%
56.07M▲ 64.9%
57.25M▲ 2.1%
84.5M▲ 47.6%
92.35M▲ 9.3%
52.38M▼ 43.3%
-80.78M▼ 254.2%
31M▲ 138.4%
39.75M▲ 0%
Pretax Margin %
18.23%18.41%22.35%22.64%33%38.44%17.67%-24.71%9.02%11.56%
Income Tax
8.82M14.4M13.93M12.29M21.26M24.8M11.57M5.89M4.92M7.38M
Effective Tax Rate %
32.16%42.36%24.84%21.46%25.16%26.86%22.09%-7.29%15.88%18.57%
Net Income
18.6M▲ 0%
19.6M▲ 5.3%
42.14M▲ 115.1%
44.97M▲ 6.7%
63.23M▲ 40.6%
67.55M▲ 6.8%
40.81M▼ 39.6%
-86.67M▼ 312.4%
26.07M▲ 130.1%
32.37M▲ 0%
Net Margin %
12.37%10.61%16.8%17.78%24.69%28.12%13.77%-26.51%7.59%9.41%
Net Income Growth %
17.58%5.34%115.05%6.7%40.63%6.82%-39.58%-312.36%130.09%146.23%
Net Income (Continuing)
18.6M19.6M42.14M44.97M63.23M67.55M40.81M-86.67M26.07M32.37M
EPS (Diluted)
0.22▲ 0%
0.24▲ 9.1%
0.46▲ 91.7%
0.55▲ 19.6%
0.77▲ 40.0%
0.95▲ 23.4%
0.63▼ 33.7%
-1.39▼ 320.6%
0.42▲ 130.2%
0.51▲ 0%
EPS Growth %
22.22%9.09%91.67%19.57%40%23.38%-33.68%-320.63%130.22%145.92%
EPS (Basic)
0.220.240.460.550.770.950.63-1.390.42-
Diluted Shares Outstanding
84.66M82.64M91.1M83.66M82.39M70.93M64.8M62.44M62.72M63.06M

KRNY Balance Sheet

Kearny Financial Corp. (KRNY) balance sheet — assets, liabilities & shareholders' equity

MetricJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Cash & Short Term Investments
692M853.95M753.2M1.57B1.74B1.45B1.3B1.14B1.18B4.6B
Cash & Due from Banks
78.24M128.86M38.94M180.97M67.86M101.61M70.52M63.86M167.27M147.34M
Short Term Investments
613.76M725.09M714.26M1.39B1.68B1.34B1.23B1.07B1.01B1B
Total Investments
4.33B5.79B5.95B5.9B6.52B6.86B7.16B6.9B6.91B1B
Investments Growth %
10.86%33.7%2.81%-0.82%10.59%5.17%4.41%-3.66%0.05%-87.02%
Long-Term Investments
3.71B5.06B5.23B4.51B4.85B5.52B5.94B5.83B5.89B17.67B
Accounts Receivables
12.49M18.51M19.36M17.37M19.36M20.47M28.13M29.52M5.79B5.74B
Goodwill & Intangibles
108.88M217.19M216.06M214.89M214.6M213.91M213.35M115.46M114.96M114.72M
Goodwill
108.59M210.9M210.9M210.9M210.9M210.9M210.9M113.53M113.53M113.53M
Intangible Assets
292K6.29M5.16M4M3.71M3.02M2.46M1.93M1.44M1.2M
PP&E (Net)
39.59M56.24M56.85M57.39M56.34M53.28M48.31M44.94M43.9M42.56M
Other Assets
235.73M349.15M329.42M361.96M371.53M419.21M488.06M476.88M-5.89B0
Total Current Assets
704.49M872.46M772.56M1.58B1.76B1.47B1.33B1.17B6.98B6.88B
Total Non-Current Assets
4.11B5.71B5.86B5.17B5.52B6.25B6.74B6.52B214.06M208.9M
Total Assets
4.82B▲ 0%
6.58B▲ 36.6%
6.63B▲ 0.8%
6.76B▲ 1.9%
7.28B▲ 7.8%
7.72B▲ 6.0%
8.06B▲ 4.5%
7.68B▼ 4.7%
7.74B▲ 0.7%
7.62B▲ 0%
Asset Growth %
7.07%36.56%0.84%1.86%7.78%5.99%4.47%-4.73%0.74%-3.68%
Return on Assets (ROA)
0.4%0.34%0.64%0.67%0.9%0.9%0.52%-1.1%0.34%0.42%
Accounts Payable
0000000000
Total Debt
806.23M1.2B1.32B1.17B685.88M901.34M1.51B1.61B1.26B1.99B
Net Debt
727.99M1.07B1.28B992.2M618.02M799.72M1.44B1.55B1.09B1.84B
Long-Term Debt
806.23M1.2B1.32B1.17B685.88M651.34M1.28B1.43B1.11B1.09B
Short-Term Debt
00000250M225M175M150M895M
Other Liabilities
24.97M38.88M38.08M70.55M69.61M62.29M59.54M161.98M62.78M5.77B
Total Current Liabilities
2.93B4.07B4.15B4.43B5.49B6.11B5.85B5.33B5.83B0
Total Non-Current Liabilities
831.2M1.24B1.36B1.24B755.49M713.63M1.34B1.6B1.17B6.86B
Total Liabilities
3.76B5.31B5.51B5.67B6.24B6.83B7.2B6.93B6.99B6.86B
Total Equity
1.06B▲ 0%
1.27B▲ 20.0%
1.13B▼ 11.2%
1.08B▼ 3.8%
1.04B▼ 3.8%
894M▼ 14.3%
869.28M▼ 2.8%
753.57M▼ 13.3%
745.96M▼ 1.0%
757.4M▲ 0%
Equity Growth %
-7.88%20.01%-11.16%-3.81%-3.8%-14.28%-2.76%-13.31%-1.01%-11%
Equity / Assets (Capital Ratio)
21.94%19.28%16.99%16.04%14.32%11.58%10.78%9.81%9.64%9.94%
Return on Equity (ROE)
1.69%1.69%3.52%4.07%5.95%6.97%4.63%-10.68%3.48%4.31%
Book Value per Share
12.4915.3512.3712.9612.6612.6013.4112.0711.8912.01
Tangible BV per Share
11.2012.7210.0010.3910.059.5910.1210.2210.0610.19
Common Stock
844K996K891K837K790K687K659K644K646K648K
Additional Paid-in Capital
728.79M922.71M787.39M722.87M654.4M528.4M503.33M493.68M494.55M494.96M
Retained Earnings
361.04M359.1M366.68M387.91M408.37M445.45M457.61M343.33M341.74M346.75M
Accumulated OCI
1.04M18.54M2.84M1.26M6.14M-55.73M-69.46M-63.16M-90.97M-66.96M
Treasury Stock
0000000000
Preferred Stock
0000000000

KRNY Cash Flow Statement

Kearny Financial Corp. (KRNY) cash flow — operating, investing & free cash flow history

MetricJun'17Jun'18Jun'19Jun'20Jun'21Jun'22Jun'23Jun'24Jun'25TTM
Cash from Operations
38.53M45.09M39M19.32M75.42M81.3M69.55M43.97M24.77M40.7M
Operating CF Growth %
-1.65%17.04%-13.51%-50.45%290.28%7.8%-14.45%-36.78%-43.67%605.12%
Net Income
18.6M19.6M42.14M44.97M63.23M67.55M40.81M-86.67M26.07M32.37M
Depreciation & Amortization
2.98M3.59M5.46M5.81M6.84M6.66M6.3M5.26M4.88M4.7M
Deferred Taxes
-1.84M6.7M4.54M665K4.15M5.02M2.79M-867K-942K-146K
Other Non-Cash Items
18.69M10.31M-18.25M-13.82M-12.2M2.54M33.01M134.56M1.97M-6.62M
Working Capital Changes
-6.73M-4.29M-3.69M-26.53M5.65M-6.8M-18.23M-12.31M-10.39M7.16M
Cash from Investing
-453.55M-1.45M-147.94M85.47M-83.97M-479.95M-417.92M258.12M41.11M114.37M
Purchase of Investments
-203.48M-311.77M-181.15M-489.37M-930.99M-315.55M-207.64M-76.36M-107.85M-47.49M
Sale/Maturity of Investments
346.76M427.11M209.67M383.53M622.19M436.6M241.98M247.95M199.46M101.31M
Net Investment Activity
143.28M115.34M28.52M-105.85M-308.8M121.05M34.34M171.59M91.6M53.82M
Acquisitions
030.1M004.3M00000
Other Investing
-592.8M-138.62M-170.33M197.28M225.99M-598.08M-450.9M87.89M-47.11M61.48M
Cash from Financing
294.06M6.98M19.02M37.24M-104.56M432.41M317.27M-308.74M37.52M-151.2M
Dividends Paid
-8.29M-20.56M-34.75M-24.12M-28.65M-30.69M-28.5M-27.56M-27.63M-27.76M
Share Repurchases
-126M-143.97M-142.7M-70.86M-119.82M-130.5M-28.02M-11.72M-362K-13K
Stock Issued
0000000000
Net Stock Activity
-126M-143.97M-142.7M-70.86M-119.82M-130.5M-28.02M-11.72M-362K-13K
Debt Issuance (Net)
1000K-1000K1000K-1000K-1000K1000K1000K1000K-1000K-2M
Other Financing
236.55M193.88M75.3M283.41M595.35M378.6M-231.21M-471.96M519.02M40.57M
Net Change in Cash
-120.96M▲ 0%
50.63M▲ 141.9%
-89.93M▼ 277.6%
142.03M▲ 257.9%
-113.11M▼ 179.6%
33.76M▲ 129.8%
-31.1M▼ 192.1%
-6.65M▲ 78.6%
103.41M▲ 1654.7%
3.87M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
199.2M78.24M128.86M38.94M180.97M67.86M101.61M70.52M63.86M0
Cash at End
78.24M128.86M38.94M180.97M67.86M101.61M70.52M63.86M167.27M15.29M
Interest Paid
36.05M49.58M78.12M88.74M50.49M28.82M108.52M184.94M194.26M138.4M
Income Taxes Paid
9.48M9.33M6.7M11.81M19.73M15.55M9.88M6.63M4.06M1.22M
Free Cash Flow
34.49M▲ 0%
36.83M▲ 6.8%
32.86M▼ 10.8%
13.36M▼ 59.3%
69.96M▲ 423.5%
78.38M▲ 12.0%
68.19M▼ 13.0%
42.62M▼ 37.5%
21.39M▼ 49.8%
39.77M▲ 0%
FCF Growth %
-6.73%6.76%-10.76%-59.34%423.49%12.04%-13%-37.5%-49.82%89.92%

KRNY Banking Ratios

Kearny Financial Corp. (KRNY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
1.69%1.69%3.52%4.07%5.95%6.97%4.63%-10.68%3.48%4.31%
Return on Assets (ROA)
0.4%0.34%0.64%0.67%0.9%0.9%0.52%-1.1%0.34%0.42%
Net Interest Margin
2.13%1.84%2.34%2.28%2.58%2.55%2.18%1.86%1.74%1.91%
Efficiency Ratio
53.92%52.98%43.54%42.55%47.97%52.33%41.74%65.82%35.12%36.1%
Equity / Assets
21.94%19.28%16.99%16.04%14.32%11.58%10.78%9.81%9.64%9.94%
Book Value / Share
12.4915.3512.3712.9612.6612.613.4112.0711.8912.01
NII Growth
7.99%18.25%28.05%-0.88%22.27%4.45%-10.55%-18.92%-5.37%9.73%
Dividend Payout
44.54%104.92%82.45%53.64%45.31%45.44%69.83%-105.98%85.75%
Related:KRNY Dividend History·KRNY Revenue History·KRNY Price History·KRNY P/E History·KRNY Financial Ratios·KRNY Institutional Holders

KRNY SEC Filings & Documents

Kearny Financial Corp. (KRNY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Jan 22, 2026·SEC

Material company update

Oct 23, 2025·SEC

10-K Annual Reports

4
FY 2025

Aug 21, 2025·SEC

FY 2024

Aug 23, 2024·SEC

FY 2023

Aug 25, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

Feb 5, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

May 7, 2025·SEC

KRNY Frequently Asked Questions

Kearny Financial Corp. (KRNY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Kearny Financial Corp. (KRNY) grew revenue by 5.1% over the past year. This is steady growth.

Yes, Kearny Financial Corp. (KRNY) is profitable, generating $32.4M in net income for fiscal year 2025 (7.6% net margin).

Dividend & Returns

Yes, Kearny Financial Corp. (KRNY) pays a dividend with a yield of 5.20%. This makes it attractive for income-focused investors.

Kearny Financial Corp. (KRNY) has a return on equity (ROE) of 3.5%. This is below average, suggesting room for improvement.

Industry Metrics

Kearny Financial Corp. (KRNY) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.

Kearny Financial Corp. (KRNY) has an efficiency ratio of 35.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in KRNY back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

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How much would $100/month in KRNY be worth today?

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