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Kearny Financial

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Key Metrics

Previous Close: $9.20
52-Week Range: $6.23 – $10.24
Market Cap: $588.77M
P/E (TTM): 16.35
EPS (TTM): 0.57
Dividend Yield: 4.72%

Advanced Metrics

Price/Book: 0.77
PEG Ratio: -7.92
Return on Equity: 4.79%
Return on Assets: 0.47%
Gross Margin: 0.00%
Operating Margin: 29.83%
Profit Margin: 20.56%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.16B
Free Cash Flow: —
Revenue Growth: 14.90%
Earnings Growth: 5.30%
Enterprise Value: $1.62B

KRNY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$210.54M	$178.62M	$140.60M	$154.00M	$178.11M
Selling, General & Admin	$82.91M	$84.21M	$78.10M	$80.01M	$85.68M
Pretax Income	$92.35M	$52.38M	-$80.78M	$31.00M	$47.40M
Income Tax	$24.80M	$11.57M	$5.89M	$4.92M	$11.14M
Net Income	$67.55M	$40.81M	-$86.67M	$26.07M	$36.26M
Diluted EPS	0.95	0.63	-1.39	0.42	—
Diluted Shares	70.93M	64.80M	62.44M	62.72M	—

KRNY Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025	FY2026
Cash & Equivalents	$101.61M	$70.52M	$63.86M	$167.27M	$114.82M
Receivables	$20.47M	$28.13M	$29.52M	$28.10M	$27.88M
Total Assets	$7.72B	$8.06B	$7.68B	$7.74B	$7.68B
Long-Term Debt	$651.34M	$1.28B	$1.43B	$1.11B	$950.00M
Total Debt	$901.34M	$1.51B	$1.61B	$1.26B	$1.15B
Total Liabilities	$6.83B	$7.20B	$6.93B	$6.99B	$6.92B
Retained Earnings	$445.45M	$457.61M	$343.33M	$341.74M	$350.05M
Shareholders' Equity	$894.00M	$869.28M	$753.57M	$745.96M	$766.67M
Net Debt	$799.72M	$1.44B	$1.55B	$1.09B	$1.04B

KRNY Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025	FY2026
Operating Cash Flow	$81.30M	$69.55M	$43.97M	$24.77M	$37.73M
Capital Expenditure	-$2.92M	-$1.35M	-$1.35M	-$3.38M	-$2.46M
Free Cash Flow	$78.38M	$68.19M	$42.62M	$21.39M	$35.27M
Depreciation & Amortisation	$6.66M	$6.30M	$5.26M	$4.88M	$4.45M
Stock-Based Compensation	$6.34M	$4.87M	$4.00M	$3.18M	$3.78M
Investing Cash Flow	-$479.95M	-$417.92M	$258.12M	$41.11M	$10.92M
Financing Cash Flow	$432.41M	$317.27M	-$308.74M	$37.52M	-$101.10M
Dividends Paid	-$30.69M	-$28.50M	-$27.56M	-$27.63M	-$27.84M
Share Repurchases	-$130.50M	-$28.02M	-$11.72M	-$362.00K	-$424.00K
Net Change in Cash	$33.76M	-$31.10M	-$6.65M	$103.41M	-$52.45M

KRNY Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$40.83M	$43.55M	$43.54M	$45.33M	$45.69M
Selling, General & Admin	$20.41M	$20.91M	$20.45M	$21.59M	$22.73M
Pretax Income	$8.16M	$11.97M	$11.78M	$12.64M	$11.01M
Income Tax	$1.39M	$2.46M	$2.33M	$2.50M	$3.84M
Net Income	$6.77M	$9.51M	$9.45M	$10.14M	$7.17M
Diluted EPS	0.11	0.15	0.15	0.16	0.11
Diluted Shares	62.76M	62.95M	63.06M	63.25M	63.40M

KRNY Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$167.27M	$130.14M	$147.34M	$123.84M	$114.82M
Receivables	$28.10M	$29.46M	$27.42M	$28.30M	$27.88M
Total Assets	$7.74B	$7.65B	$7.62B	$7.61B	$7.68B
Long-Term Debt	$1.11B	$1.01B	$800.00M	$900.00M	$950.00M
Total Debt	$1.26B	$1.21B	$1.09B	$1.06B	$1.15B
Total Liabilities	$6.99B	$6.89B	$6.86B	$6.84B	$6.92B
Retained Earnings	$341.74M	$344.29M	$346.75M	$349.88M	$350.05M
Shareholders' Equity	$745.96M	$753.20M	$757.40M	$763.03M	$766.67M
Net Debt	$1.09B	$1.08B	$947.66M	$936.16M	$1.04B

KRNY Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$8.09M	$1.50M	$14.31M	$7.93M	$13.99M
Capital Expenditure	-$786.00K	-$367.00K	-$367.00K	-$305.00K	-$1.42M
Free Cash Flow	$7.30M	$1.14M	$13.94M	$7.62M	$12.57M
Depreciation & Amortisation	$1.20M	$1.16M	$1.13M	$1.09M	$1.07M
Stock-Based Compensation	$915.00K	$847.00K	$956.00K	$969.00K	$1.01M
Investing Cash Flow	$30.29M	$62.27M	$42.40M	-$7.89M	-$85.86M
Financing Cash Flow	$2.80M	-$100.90M	-$39.51M	-$23.54M	$62.85M
Dividends Paid	-$6.89M	-$7.09M	-$6.89M	-$6.92M	-$6.93M
Share Repurchases	-$13.00K	-$415.00K	$0.00	$0.00	-$9.00K
Net Change in Cash	$41.17M	-$37.13M	$17.20M	-$23.50M	-$9.01M

Market Snapshot

About

Kearny Financial is the holding company for Kearny Bank, a community-oriented financial institution serving New Jersey and the greater New York metropolitan area. The bank provides traditional banking services including residential and commercial mortgages, business lending, and retail banking products. Kearny focuses on relationship-based banking with a strong emphasis on serving local communities and small businesses.