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Kearny Financial Corp.(KRNY)Earnings, Financials & Key Ratios
KRNY•NASDAQ•Banking & Credit
$9.31
22.2× P/E·Price updated Jul 7, 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 Price & Volume
Kearny Financial Corp. (KRNY) stock price & volume — 10-year historical chart
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Stabilizing Net Interest Income Amid Margin Headwinds
Investment Thesis • Updated 2026Q3
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:NYC multi-family concentration
Key Thesis Takeaways
- Kearny Financial Corp.
- is currently navigating a challenging interest rate environment, evidenced by a stagnant 0.5% net interest margin that persists despite a 15.3% year-over-year growth in net interest income as of 2026Q3.
- While the bank has successfully normalized its efficiency ratio to 37.9% and contained credit provisions to $391,000, the structural duration mismatch between long-term assets and short-term funding remains a primary concern.
- Investors should monitor the sustainability of the 4.7% dividend yield against the backdrop of concentrated NYC multi-family real estate exposure and the bank's reliance on securities portfolio liquidation to support liquidity.
Verdict Logic
while the bank has improved its efficiency ratio to 37.9%, the persistent 0.5% net interest margin and significant exposure to commercial real estate warrant a cautious approach until earnings durability is proven.
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%
TTM150.67%
EPS CAGR
10 Years21.48%
5 Years-5.25%
3 Years-23.82%
TTM149.9%
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
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.15+0.0%
$0.15
Rev
$44M+1.5%
$44M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.15-6.3%
$0.16
Rev
$44M-2.9%
$45M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.15+0.0%
$0.15
Rev
$44M-2.9%
$45M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$0.11-15.4%
$0.13
Rev
$41M-3.8%
$42M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.15vs $0.15+0.0% | $44Mvs $44M+1.5% |
| Q1 2026 | Jan 22, 2026 | $0.15vs $0.16-6.3% | $44Mvs $45M-2.9% |
| Q4 2025 | Oct 23, 2025 | $0.15vs $0.15+0.0% | $44Mvs $45M-2.9% |
| Q3 2025 | Jul 24, 2025 | $0.11vs $0.13-15.4% | $41Mvs $42M-3.8% |
Based on last 12 quarters of dataView full earnings history →
Latest KRNY News
Recent stock market news and headlines for Kearny Financial Corp. (KRNY)
Peers Comparison
Key metrics vs top competitors for Kearny Financial Corp. (KRNY)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $9.31 | $585.91M | 22.17 | 5.09% | 7.59% | 3.48% | 4.73% | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $18.96 | $1.09B | 16.21 | -4.7% | 10.55% | 4.22% | — | |
| $14.84 | $619.78M | 749.49 | -26.69% | 1.79% | 0.68% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — |
Compare KRNY vs Peers
Kearny Financial Corp. (KRNY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KRNY SEC Filings & Documents
Kearny Financial Corp. (KRNY) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 3, 2026·SEC
Material company update
Apr 23, 2026·SEC
Material company update
Jan 22, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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KRNY Frequently Asked Questions
Kearny Financial Corp. (KRNY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Kearny Financial Corp. growing?
Kearny Financial Corp. (KRNY) grew revenue by 5.1% over the past year. This is steady growth.
Is KRNY profitable?
Yes, Kearny Financial Corp. (KRNY) is profitable, generating $35.9M in net income for fiscal year 2025 (7.6% net margin).
Dividend & Returns
Does KRNY pay dividends?
Yes, Kearny Financial Corp. (KRNY) pays a dividend with a yield of 4.73%. This makes it attractive for income-focused investors.
What is KRNY's return on equity?
Kearny Financial Corp. (KRNY) has a return on equity (ROE) of 3.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Kearny Financial Corp.'s net interest margin?
Kearny Financial Corp. (KRNY) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.
What is Kearny Financial Corp.'s efficiency ratio?
Kearny Financial Corp. (KRNY) has an efficiency ratio of 35.1%. This is excellent, indicating strong cost control.