KRNY Stock Analysis: Kearny Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 590m USD | 12M Return: 45% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.32M
EPS Trend: -58.5%
Qual. Beats: 0
Rev. Trend: 89.9%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Kearny Financial Corp. (NASDAQ: KRNY) is the holding company for Kearny Bank, a regional community bank headquartered in Fairfield, New Jersey, with origins dating back to 1884. The company provides a standard range of community banking products, including checking, savings, money market, and certificate of deposit accounts, along with personal loans and overdraft lines of credit. Its loan portfolio is heavily weighted toward commercial and residential real estate, including multi-family and nonresidential mortgage loans, commercial term loans and lines of credit, home equity products, and construction lending for multi-family and 1-4 family properties. The company also engages in investment activities to support its banking operations.
As a small-cap regional bank with a market capitalization of roughly $553M, Kearny operates within the U.S. regional/community banking segment, which typically derives the majority of net interest income from loan portfolios funded by local deposits. The companys notable emphasis on multi-family and commercial real estate lending is characteristic of Northeast-based community banks serving metropolitan-area landlords and small businesses.
- Net interest margin compresses as Fed cuts rates
- Multi-family loan concentration poses commercial real estate credit risk
- Deposit cost increases outpace loan yield expansion pressures margins
| Net Income: 35.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: 250.1% < 20% (prev -1.36k%; Δ 1.61k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 31.8m > Net Income 35.9m |
| Net Debt (-47.2m) to EBITDA (49.1m): -0.96 < 3 |
| Current Ratio: 1.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (63.3m) vs 12m ago 0.86% < -2% |
| Gross Margin: 49.41% > 18% (prev 42.70%; Δ 6.71% > 0.5%) |
| Asset Turnover: 4.50% > 50% (prev 4.49%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBIT TTM 44.5m / Interest Expense TTM 172.0m) |
| A: 0.11 (Total Current Assets 6.87b - Total Current Liabilities 6.01b) / Total Assets 7.61b |
| B: 0.05 (Retained Earnings 349.9m / Total Assets 7.61b) |
| C: 0.01 (EBIT TTM 44.5m / Avg Total Assets 7.67b) |
| D: 0.11 (Book Value of Equity 763.0m / Total Liabilities 6.84b) |
| Altman-Z'' = 1.05 = BB |
| DSRI: 3.0 (Receivables 5.76b/28.5m, Revenue 345.2m/346.9m) |
| GMI: 0.86 (GM 42.70% / 49.41%) |
| AQI: 0.11 (AQ_t 0.09 / AQ_t-1 0.84) |
| SGI: 1.00 (Revenue 345.2m / 346.9m) |
| TATA: 0.00 (NI 35.9m - CFO 31.8m) / TA 7.61b) |
| Beneish M = -2.04 (Cap -4..+1) = BB |
As of July 08, 2026, the stock is trading at USD 9.31 with a total of 527,429 shares traded. Over the past week, the price has changed by +0.43%, over one month by +11.23%, over three months by +20.84% and over the past year by +44.99%.
Current recommended Stop Loss: 9.00 (which is 3.3% or 1.3 ATR below the current price).
Kearny Financial has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold KRNY.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 9.5 | 2% |
P/E Trailing = 16.4386
P/E Forward = 9.1408
P/S = 3.4566
P/B = 0.7728
P/EG = 15.99
Revenue TTM = 345.2m USD
EBIT TTM = 44.5m USD
EBITDA TTM = 49.1m USD
Long Term Debt = 900.0m USD (from longTermDebt, last quarter)
Short Term Debt = 160.0m USD (from shortTermDebt, last quarter)
Debt = 1.06b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -47.2m USD (calculated: Debt 1.06b - CCE 1.11b)
Enterprise Value = 542.5m USD (589.7m + Debt 1.06b - CCE 1.11b)
Interest Coverage Ratio = 0.26 (Ebit TTM 44.5m / Interest Expense TTM 172.0m)
EV/FCF = 17.65x (Enterprise Value 542.5m / FCF TTM 30.7m)
FCF Yield = 5.67% (FCF TTM 30.7m / Enterprise Value 542.5m)
FCF Margin = 8.90% (FCF TTM 30.7m / Revenue TTM 345.2m)
Net Margin = 10.39% (Net Income TTM 35.9m / Revenue TTM 345.2m)
Gross Margin = 49.41% ((Revenue TTM 345.2m - Cost of Revenue TTM 174.6m) / Revenue TTM)
Gross Margin QoQ = 52.71% (prev 49.84%)
Tobins Q-Ratio = 0.07 (Enterprise Value 542.5m / Total Assets 7.61b)
Interest Expense / Debt = 16.22% (Interest Expense 172.0m / Debt 1.06b)
Taxrate = 19.49% (8.68m / 44.5m)
NOPAT = 35.9m (EBIT 44.5m * (1 - 19.49%))
Current Ratio = 1.14 (Total Current Assets 6.87b / Total Current Liabilities 6.01b)
Debt / Equity = 1.39 (Debt 1.06b / totalStockholderEquity, last quarter 763.0m)
Debt / EBITDA = -0.96 (Net Debt -47.2m / EBITDA 49.1m)
Debt / FCF = -1.53 (Net Debt -47.2m / FCF TTM 30.7m)
Total Stockholder Equity = 754.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 35.9m / Total Assets 7.61b)
RoE = 4.75% (Net Income TTM 35.9m / Total Stockholder Equity 754.9m)
RoCE = 2.69% (EBIT 44.5m / Capital Employed (Equity 754.9m + L.T.Debt 900.0m))
RoIC = 0.47% (NOPAT 35.9m / Invested Capital 7.59b)
WACC = 11.45% (E(589.7m)/V(1.65b) * Re(8.56%) + D(1.06b)/V(1.65b) * Rd(16.22%) * (1-Tc(0.19)))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 73.03 | Cagr: 0.71%
[DCF] Terminal Value 68.61% ; FCFF base≈26.6m ; Y1≈30.5m ; Y5≈44.8m
[DCF] Fair Price = 7.66 (EV 435.0m - Net Debt -47.2m = Equity 482.1m / Shares 62.9m; r=11.45% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -58.51 | EPS CAGR: -13.33% | SUE: 0.0 | # QB: 0
Revenue Correlation: 89.87 | Revenue CAGR: 5.43% | SUE: 1.36 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.17 | Chg30d=+0.00% | Revisions=+25% | Analysts=2
EPS current Year (2026-06-30): EPS=0.62 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+47.6% | GrowthRev=+15.0%
EPS next Year (2027-06-30): EPS=0.79 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+26.6% | GrowthRev=+9.6%
[Analyst] Revisions Ratio: -17% (up=1, down=2)