KRNY Stock Analysis: Kearny Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 581m USD | 12M Return: 43.6% | US48716P1084 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.48M
EPS Trend: -21.1%
Qual. Beats: -1
Rev. Trend: 87.2%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. (KRNY) operates as the holding company for Kearny Bank, a U.S. community bank offering a full range of consumer and commercial banking products. Its deposit offerings include interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, IRAs, and certificates of deposit. The company is classified under the GICS Regional Banks sub-industry, reflecting its traditional deposit-funded, relationship-based lending model.
The banks loan portfolio spans multifamily and nonresidential commercial real estate mortgages, commercial and industrial loans, construction loans, one-to-four-family residential mortgages, home equity loans, personal loans, and consumer loans. It also provides overdraft lines of credit and participates in investment activities, giving it multiple interest-earning asset channels beyond core lending.
Beyond core banking, Kearny offers treasury management, commercial deposit products, corporate banking, wealth management, and insurance brokerage services. It serves consumers, small and middle-market businesses, professionals, nonprofit organizations, and government entities through branch locations and digital banking channels. Founded in 1884 and headquartered in Fairfield, New Jersey, the company has operated as a community-oriented institution for more than 140 years.
- Net interest margin compresses as Fed cuts rates
- Multifamily CRE loan portfolio faces rising credit risk
- Commercial banking expansion diversifies revenue mix
| Net Income: 36.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.21 > 1.0 |
| NWC/Revenue: 1.94k% < 20% (prev 334.7%; Δ 1.61k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 37.7m > Net Income 36.3m |
| Net Debt (70.8m) to EBITDA (51.8m): 1.37 < 3 |
| Current Ratio: 34.68 > 1.5 & < 3 |
| Outstanding Shares: last quarter (63.2m) vs 12m ago 0.74% < -2% |
| Gross Margin: 50.82% > 18% (prev 44.14%; Δ 6.68% > 0.5%) |
| Asset Turnover: 4.50% > 50% (prev 4.44%; Δ 0.06% > 0%) |
| Interest Coverage Ratio: 0.28 > 6 (EBIT TTM 47.4m / Interest Expense TTM 169.0m) |
| A: 0.88 (Total Current Assets 6.94b - Total Current Liabilities 200.0m) / Total Assets 7.68b |
| B: 0.05 (Retained Earnings 350.0m / Total Assets 7.68b) |
| C: 0.01 (EBIT TTM 47.4m / Avg Total Assets 7.71b) |
| D: 0.11 (Book Value of Equity 766.7m / Total Liabilities 6.92b) |
| Altman-Z'' = 6.06 = AAA |
| DSRI: 1.00 (Receivables 5.86b/5.79b, Revenue 347.1m/343.5m) |
| GMI: 0.87 (GM 44.14% / 50.82%) |
| AQI: 0.98 (AQ_t 0.09 / AQ_t-1 0.09) |
| SGI: 1.01 (Revenue 347.1m / 343.5m) |
| TATA: -0.00 (NI 36.3m - CFO 37.7m) / TA 7.68b) |
| Beneish M = -3.15 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 9.27 with a total of 495,136 shares traded. Over the past week, the price has changed by +1.09%, over one month by -7.30%, over three months by -0.34% and over the past year by +43.56%.
Current recommended Stop Loss: 8.70 (which is 6.1% or 2.7 ATR below the current price).
Kearny Financial has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold KRNY.
- StrongBuy: 0
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 10.7 | 15.1% |
P/E Trailing = 16.1404
P/E Forward = 11.4943
P/S = 3.2946
P/B = 0.77
P/EG = 15.99
Revenue TTM = 347.1m USD
EBIT TTM = 47.4m USD
EBITDA TTM = 51.8m USD
Long Term Debt = 950.0m USD (from longTermDebt, last quarter)
Short Term Debt = 200.0m USD (from shortTermDebt, last quarter)
Debt = 1.15b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 70.8m USD (calculated: Debt 1.15b - CCE 1.08b)
Enterprise Value = 652.0m USD (581.2m + Debt 1.15b - CCE 1.08b)
Interest Coverage Ratio = 0.28 (Ebit TTM 47.4m / Interest Expense TTM 169.0m)
EV/FCF = 17.59x (Enterprise Value 652.0m / FCF TTM 37.1m)
FCF Yield = 5.68% (FCF TTM 37.1m / Enterprise Value 652.0m)
FCF Margin = 10.68% (FCF TTM 37.1m / Revenue TTM 347.1m)
Net Margin = 10.45% (Net Income TTM 36.3m / Revenue TTM 347.1m)
Gross Margin = 50.82% ((Revenue TTM 347.1m - Cost of Revenue TTM 170.7m) / Revenue TTM)
Gross Margin QoQ = 51.39% (prev 52.71%)
Tobins Q-Ratio = 0.08 (Enterprise Value 652.0m / Total Assets 7.68b)
Interest Expense / Debt = 14.70% (Interest Expense 169.0m / Debt 1.15b)
Taxrate = 23.50% (11.1m / 47.4m)
NOPAT = 36.3m (EBIT 47.4m * (1 - 23.50%))
Current Ratio = 34.68 (Total Current Assets 6.94b / Total Current Liabilities 200.0m)
Debt / Equity = 1.50 (Debt 1.15b / totalStockholderEquity, last quarter 766.7m)
Debt / EBITDA = 1.37 (Net Debt 70.8m / EBITDA 51.8m)
Debt / FCF = 1.91 (Net Debt 70.8m / FCF TTM 37.1m)
Total Stockholder Equity = 760.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 36.3m / Total Assets 7.68b)
RoE = 4.77% (Net Income TTM 36.3m / Total Stockholder Equity 760.1m)
RoCE = 2.77% (EBIT 47.4m / Capital Employed (Equity 760.1m + L.T.Debt 950.0m))
RoIC = 0.47% (NOPAT 36.3m / Invested Capital 7.66b)
WACC = 10.21% (E(581.2m)/V(1.73b) * Re(8.16%) + D(1.15b)/V(1.73b) * Rd(14.70%) * (1-Tc(0.23)))
Discount Rate = 8.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 99.01 | Cagr: 0.72%
[DCF] Terminal Value 72.20% ; FCFF base≈30.8m ; Y1≈35.3m ; Y5≈52.0m
[DCF] Fair Price = 8.19 (EV 588.5m - Net Debt 70.8m = Equity 517.6m / Shares 63.2m; r=10.21% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -21.10 | EPS CAGR: -4.31% | SUE: -1.89 | # QB: -1
Revenue Correlation: 87.15 | Revenue CAGR: 4.14% | SUE: 2.80 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.17 | Chg30d=-2.86% | Revisions=+25% | Analysts=3
EPS next Quarter (2026-12-31): EPS=0.19 | Chg30d=+0.92% | Revisions=+25% | Analysts=3
EPS current Year (2027-06-30): EPS=0.79 | Chg30d=-0.42% | Revisions=+0% | GrowthEPS=+33.3% | GrowthRev=+11.9%
EPS next Year (2028-06-30): EPS=0.99 | Chg30d=-0.50% | Revisions=+0% | GrowthEPS=+26.5% | GrowthRev=+11.1%
[Analyst] Revisions Ratio: +40% (up=2, down=0)