KRNY Financial Services

Kearny Financial Corp.

$9.29-0.75%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 586.9M USD
Full-time employees: 502

Overall health

Strength: growing faster than most peersgrowing faster than peers
Drawback: less profitable than most peersless profitable than peers
About average: valuation

Ranks #437 of 791 banks & insurance companies (bottom 45%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 80% of peers on book value, but only 29% on earnings.
Relative to its book value, Kearny Financial looks cheaper than 80% of peers; relative to its earnings, cheaper than only 29%. The valuation score blends the two, so look at which measure fits this business best.

StockQuotient Score

49/ 100▼ 1 since Oct 27 close

Oct 5 51 → Nov 4 49 (-2)

Valuation

Is the price right?

56/100

Moderate▼ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▲ Stronger

Share count down 3.6%

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 58 → 56

Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield127.1%

SEC filings · latest balance sheetReported value40% base weight · Z-score 1.67Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.0%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.74Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield5.8%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

76/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 10.6%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth38.7%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 1.28Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth-0.1%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth15.7%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

15/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.12Sector median: 0.0117 · MAD: 0.0062

Return on equity4.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.55Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Kearny Financial

Is Kearny Financial getting weaker?: Its latest SEC filing (Sep 9, 2026) got stronger: share count down 3.6%. Its overall score is 49/100, down 1 since Oct 28, 2026.
How is Kearny Financial valued vs its peers?: Priced about in line with its peers. Valuation scores 56/100 against 950 banks & insurance peers. Book yield 127.1% vs a peer median of 79.5% (stronger than 80% of peers).Book yield 127.1% vs peers 79.5% (stronger than 80% of peers). Earnings yield 6.0% vs a peer median of 7.9% (weaker than 71% of peers).Earnings yield 6.0% vs peers 7.9% (weaker than 71% of peers).
Is Kearny Financial growing?: Yes, faster than most of its peers. Growth scores 76/100 against 950 banks & insurance peers. Earnings per share growth 38.7% vs a peer median of 16.0% (stronger than 76% of peers).Earnings per share growth 38.7% vs peers 16.0% (stronger than 76% of peers).
How profitable is Kearny Financial?: Less profitable than most of its peers. Profitability scores 15/100 against 950 banks & insurance peers. Return on equity 4.7% vs a peer median of 10.7% (weaker than 85% of peers).Return on equity 4.7% vs peers 10.7% (weaker than 85% of peers).
How risky is Kearny Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Mar 31, 2023 · filed Sep 9, 2026 · compared with the quarter ended Dec 31, 2022

Got stronger

Share count down 3.6%

Worth watching: Kearny Financial is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.

	Previous quarter	Latest quarter	Change
Revenue (12 months)	2.8M USD	3.1M USD	+10.6%
Net income (12 months)	47.5M USD	36.3M USD	−23.7%
Free cash flow (12 months)	88.0M USD	35.3M USD	−59.9%
Debt	1.4B USD	1.1B USD	−16.9%
Cash	75.7M USD	114.8M USD	+51.8%
Shares outstanding	67.4M	64.9M	−3.6%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Jun 2022	FY Jun 2023	FY Jun 2024	FY Jun 2025	FY Jun 2026	Change
Net margin	2618.1%	—	—	—	—	—
Return on assets (ROA)	0.9%	0.5%	-1.1%	0.3%	0.5%	▲ 0.1 pts
Return on equity (ROE)	7.6%	4.7%	-11.5%	3.5%	4.7%	▲ 1.2 pts
Debt to equity	1.01×	1.73×	2.27×	1.68×	1.50×	▼ 11%

KRNY price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: growing faster than most peersgrowing faster than peers

Drawback: less profitable than most peersless profitable than peers

About average: valuation

Ranks #437 of 791 banks & insurance companies (bottom 45%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 80% of peers on book value, but only 29% on earnings.

Relative to its book value, Kearny Financial looks cheaper than 80% of peers; relative to its earnings, cheaper than only 29%. The valuation score blends the two, so look at which measure fits this business best.

Questions investors ask about Kearny Financial

Is Kearny Financial getting weaker?

Its latest SEC filing (Sep 9, 2026) got stronger: share count down 3.6%. Its overall score is 49/100, down 1 since Oct 28, 2026.

How is Kearny Financial valued vs its peers?

Priced about in line with its peers. Valuation scores 56/100 against 950 banks & insurance peers. Book yield 127.1% vs a peer median of 79.5% (stronger than 80% of peers).Book yield 127.1% vs peers 79.5% (stronger than 80% of peers). Earnings yield 6.0% vs a peer median of 7.9% (weaker than 71% of peers).Earnings yield 6.0% vs peers 7.9% (weaker than 71% of peers).

Is Kearny Financial growing?

Yes, faster than most of its peers. Growth scores 76/100 against 950 banks & insurance peers. Earnings per share growth 38.7% vs a peer median of 16.0% (stronger than 76% of peers).Earnings per share growth 38.7% vs peers 16.0% (stronger than 76% of peers).

How profitable is Kearny Financial?

Less profitable than most of its peers. Profitability scores 15/100 against 950 banks & insurance peers. Return on equity 4.7% vs a peer median of 10.7% (weaker than 85% of peers).Return on equity 4.7% vs peers 10.7% (weaker than 85% of peers).

How risky is Kearny Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

2.8M USD

3.1M USD

+10.6%

Net income (12 months)

47.5M USD

36.3M USD

−23.7%

Free cash flow (12 months)

88.0M USD

35.3M USD

−59.9%

Debt

1.4B USD

1.1B USD

−16.9%

Cash

75.7M USD

114.8M USD

+51.8%

Shares outstanding

67.4M

64.9M

−3.6%

Key ratios

FY Jun 2022

FY Jun 2023

FY Jun 2024

FY Jun 2025

FY Jun 2026

Change

Net margin

2618.1%

—

Return on assets (ROA)

0.9%

0.5%

-1.1%

0.3%

0.5%

▲ 0.1 pts

Return on equity (ROE)

7.6%

4.7%

-11.5%

3.5%

4.7%

▲ 1.2 pts

Debt to equity

1.01×

1.73×

2.27×

1.68×

1.50×

▼ 11%