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Kearny Financial

KRNY Financial Banks Regional

Kearny Financial’s revenue for fiscal 2026 (year ended June 2026) was $347.1 million, up 1.05% from fiscal 2025.

Revenue
+1.22%
EPS
+6.67%
Free cash flow
+147.7%
Total debt
−8.48%

Quarter to September 2026, against a year earlier

8.97 0.06 −0.66%
Market cap
$586.3M
P/E
15.6×
Fwd P/E
12.1×
Dividend yield
4.87%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.41
Sold, $m 0.08
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 5 1 1 1 — —
Sell — 1 — 1 — — 1 — — — — —
Insider Ownership 9.06%

Capital & Financial Ratios $m

Size
Market Cap 586.31
Revenue ttm 348.22
Net income ttm 36.80
Free cash flow ttm 45.56
Net debt Q (115.83)
Valuation
P/E 15.57
Forward P/E 12.10
Price / sales 1.64
Forward P/S Powerpack
Price / FCF 12.12
Price / book 0.75
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +1.22% (above 0%: growing)
Operating income growth Q +5.84% (above 0%: growing)
EPS, this year +32.16% (at or above 15%: strong)
EPS, next year A +26.11% (at or above 15%: strong)
Revenue, next year A −44.20% (below 0%: weak)
EPS, past 5 yrs −5.84% (below 0%: weak)
EPS, next 5 yrs A +33.53% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 35.15%
10-year low 10-year high
P/S against its own 10 years 25.67%
10-year low 10-year high
P/B against its own 10 years 39.13%
10-year low 10-year high

Dividends

Yield
4.87%
Annual rate
0.44
Payout ratio
75.9%
Growth, 2018–26
+13.5%/yr
  1. 0.16 ’18
  2. 0.25 ’19 +56
  3. 0.32 ’20 +28
  4. 0.40 ’21 +25
  5. 0.44 ’22 +10
  6. 0.44 ’23 +0
  7. 0.44 ’24 +0
  8. 0.44 ’25 +0
  9. 0.44 ’26 +0
paid change on the year, % Powerpack

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 64 167 115 116
Receivables — — — —
Inventory — — — —
Other — — — —
5,787 5,968 5,979 —
2024 2025 2026 Q'26
Payables 5,158 5,675 5,710 5,833
ST’ Debt — — — —
Other — — — —
5,158 5,675 5,710 5,833

Compound Annual Growth %

10y 5y 3y
Sales 9.69% 6.02% 5.40%
Cash Flow (0.37%) (12.93%) (18.44%)
Earnings 8.65% (10.52%) (3.86%)
Book Value (3.95%) (5.97%) (4.10%)

Earnings Trends EPS, adjusted, against the consensus

Q1 FY27 Estimate 0.17 Actual 0.16

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY26 0.16 0.15 Miss by 0.01
Q3 FY26 0.15 0.15 Met by 0.00
Q4 FY26 0.17 0.15 Miss by 0.02
Q1 FY27 0.17 0.16 Miss by 0.01
Q2 FY27 0.18 — Reports 28 January 2027

EPS $

Sep Dec Mar Jun Year
’26 0.16 — — — —
’26 0.15 0.15 0.16 0.11 0.57
’25 0.10 0.10 0.11 0.11 0.42
’24 0.16 (0.22) 0.12 (1.45) (1.39)
’23 0.25 0.03 0.16 0.19 0.63
’22 0.26 0.26 0.25 0.17 0.95
’21 0.13 0.20 0.20 0.24 0.77
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 89 — — — —
’26 88 86 85 87 347
’25 88 86 84 85 344
’24 85 67 86 89 327
’23 70 64 79 83 296
’22 61 60 58 61 240
’21 69 66 64 61 259
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 9 — — — —
’26 2 14 8 14 38
’25 3 (3) 17 8 25
’24 12 7 18 7 44
’23 21 15 22 12 70
’22 5 21 31 24 81
’21 6 25 27 18 75
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 9 — — — —
’26 4 14 9 13 39
’25 1 (4) 17 7 21
’24 13 7 17 6 43
’23 20 19 21 12 72
’22 5 21 30 23 79
’21 5 24 30 17 75
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Sep ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 150 185 251 253 259 240 296 327 344 347 348 +9.7% 194 215 — (21.2%)
Gross margin, % 75.73 72.85 67.31 66.85 80.76 87.65 60.25 43.01 44.83 51.31 51.65 (24.4) pt
EBT 27 34 56 57 84 92 52 (81) 31 47 48 +6.3%
EBT margin, % 18.23 18.41 22.35 22.64 32.61 38.44 17.67 (24.71) 9.02 13.66 13.81 (4.6) pt
Net income 19 20 42 45 63 68 41 (87) 26 36 37 +7.7%
Per share, $
Per share, $ Revenue 1.78 2.24 2.76 3.07 3.15 3.39 4.57 5.23 5.50 5.52 5.52 +13.4%
Earnings 0.22 0.24 0.46 0.55 0.77 0.95 0.63 (1.39) 0.42 0.58 0.58 +11.4%
Cash flow 0.46 0.55 0.43 0.23 0.92 1.15 1.07 0.70 0.40 0.60 0.72 +3.1%
Capex (0.05) (0.10) (0.07) (0.07) (0.01) (0.03) 0.03 (0.02) (0.05) 0.02 0.00 n/m
Free cash flow 0.41 0.45 0.36 0.17 0.91 1.11 1.11 0.68 0.34 0.62 0.72 +4.8%
Book value 12.50 15.36 12.38 13.16 12.66 12.61 13.41 12.07 11.93 12.20 11.98 (0.3%)
Shares, m 85 83 91 82 82 71 65 62 63 63 63 (3.2%)
Valuation, ×
Valuation, × P/E 70.71 56.04 28.62 15.15 15.52 11.82 11.19 0.00 15.02 16.60 15.57 24.1
P/S 8.35 6.01 4.88 2.67 3.80 3.28 1.54 1.15 1.18 1.71 1.64 3.5
P/B 1.19 0.88 1.09 0.62 0.94 0.88 0.53 0.50 0.54 0.78 0.75 0.8
EV/Sales 13.19 11.81 10.00 6.59 6.25 6.68 6.39 6.23 4.35 4.70 — 7.6
EV/FCF 57.52 59.21 76.06 121.11 21.63 20.31 26.41 47.82 69.75 41.57 — 54.1
Cash, $m
Cash, $m Operating cash flow 39 45 39 19 75 81 70 44 25 38 46 (0.2%)
Capex (4) (8) (6) (6) (1) (2) 2 (1) (3) 1 1 n/m
Free cash flow 34 37 33 14 75 79 72 43 21 39 46 +1.4%
Balance, $m
Balance, $m Working capital 382 545 569 250 (588) (341) 260 629 293 269 (5,833) (3.8%)
Net debt 728 1,070 1,283 992 634 816 1,436 1,663 1,089 1,035 (116) +4.0%
Shareholders’ equity 1,057 1,269 1,127 1,084 1,043 894 869 754 746 767 756 (3.5%)
Returns, %
Returns, % ROA 0.40 0.34 0.64 0.67 0.90 0.90 0.52 (1.10) 0.34 0.47 0.48 +0.1 pt
ROIC 0.96 1.09 1.45 1.75 3.31 3.37 1.42 (2.09) 1.06 1.64 4.70 +0.7 pt
ROE 1.69 1.69 3.52 4.07 5.95 6.97 4.63 (10.68) 3.48 4.79 4.88 +3.1 pt
People
People Employees 466 565 565 552 — — 556 552 557 549 — +1.8%
Revenue/emp, $m 0.32 0.33 0.44 0.46 0.00 0.00 0.53 0.59 0.62 0.63 — +7.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Kearny Financial vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FBIZ First Business Financial Services, Inc. $623.6M 11.0× 11.4× +2.14% (above 0%: growing) +14.71% (above 0%: growing) −71.53% (below 0%: shrinking) 63.38% 0.00% Compare
GCBC Greene County Bancorp, Inc. $612.9M 14.9× — +7.97% (above 0%: growing) +21.82% (above 0%: growing) +40.48% (above 0%: growing) 67.04% 0.00% Compare
KRNY Kearny Financial $586.3M 15.6× 12.1× +1.22% (above 0%: growing) +6.67% (above 0%: growing) +147.69% (above 0%: growing) 50.63% 0.00%
CIVB Civista Bancshares, Inc. $583.3M 10.1× 9.6× +4.29% (above 0%: growing) +13.24% (above 0%: growing) +57.62% (above 0%: growing) 72.61% 0.00% Compare
UNTY Unity Bancorp, Inc. $580.2M 9.4× 9.5× +10.61% (above 0%: growing) +20.98% (above 0%: growing) +8.49% (above 0%: growing) 70.01% 0.00% Compare
BWB Bridgewater Bancshares, Inc. $567.9M 9.9× 10.2× +4.66% (above 0%: growing) +41.63% (above 0%: growing) +433.13% (above 0%: growing) 54.57% 0.00% Compare
SFST Southern First Bancshares, Inc. $561.9M 12.0× 11.9× +8.16% (above 0%: growing) +20.37% (above 0%: growing) +41.79% (above 0%: growing) 59.23% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $559.9M 12.2× 11.6× +10.72% (above 0%: growing) +25.00% (above 0%: growing) +23.23% (above 0%: growing) 60.10% 0.00% Compare
BSVN Bank7 Corp. $556.7M 13.2× 16.2× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
Median of peers $574.0M 11.5× 11.4× +6.32% +20.68% +31.86% 65.21% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 September 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 2.10m 2.43m 103.94
2025 1.35m 1.14m 66.63
2024 1.40m 1.04m 59.39
2023 1.74m 1.37m 63.97
2022 2.12m 2.05m 96.12
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Kearny Financial (KRNY) Latest News

23 Oct

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22 Oct

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3 Feb

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3 Dec

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30 Sep

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29 Apr

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24 Apr

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1 Nov

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24 Oct

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stockrow.com/KRNY · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com