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Kearny Financial

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Key Metrics

Previous Close: $9.63
52-Week Range: $6.00 – $9.97
Market Cap: $608.55M
P/E (TTM): 16.96
EPS (TTM): 0.57
Dividend Yield: 4.57%

Advanced Metrics

Price/Book: 0.79
PEG Ratio: -7.92
Return on Equity: 4.79%
Return on Assets: 0.47%
Gross Margin: 0.00%
Operating Margin: 29.24%
Profit Margin: 20.56%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.15B
Free Cash Flow: —
Revenue Growth: 14.90%
Earnings Growth: 1.70%
Enterprise Value: $1.64B

KRNY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$210.54M	$178.62M	$140.60M	$154.00M
Selling, General & Admin	$82.91M	$84.21M	$78.10M	$80.01M
Pretax Income	$92.35M	$52.38M	-$80.78M	$31.00M
Income Tax	$24.80M	$11.57M	$5.89M	$4.92M
Net Income	$67.55M	$40.81M	-$86.67M	$26.07M
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
Cash & Equivalents	$101.61M	$70.52M	$63.86M	$167.27M
Receivables	$20.47M	$28.13M	$29.52M	$28.10M
Total Assets	$7.72B	$8.06B	$7.68B	$7.74B
Long-Term Debt	$651.34M	$1.28B	$1.43B	$1.11B
Total Debt	$901.34M	$1.51B	$1.61B	$1.26B
Total Liabilities	$6.83B	$7.20B	$6.93B	$6.99B
Retained Earnings	$445.45M	$457.61M	$343.33M	$341.74M
Shareholders' Equity	$894.00M	$869.28M	$753.57M	$745.96M
Net Debt	$799.72M	$1.44B	$1.55B	$1.09B

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

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	—
Selling, General & Admin	$20.41M	$20.91M	$20.45M	$21.59M	—
Pretax Income	$8.16M	$11.97M	$11.78M	$12.64M	—
Income Tax	$1.39M	$2.46M	$2.33M	$2.50M	—
Net Income	$6.77M	$9.51M	$9.45M	$10.14M	—
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	$126.09M	$167.27M	$130.14M	$147.34M	$123.84M
Receivables	$28.52M	$28.10M	$29.46M	$27.42M	$28.30M
Total Assets	$7.73B	$7.74B	$7.65B	$7.62B	$7.61B
Long-Term Debt	$1.03B	$1.11B	$1.01B	$800.00M	$900.00M
Total Debt	$1.21B	$1.26B	$1.21B	$1.09B	$1.06B
Total Liabilities	$6.99B	$6.99B	$6.89B	$6.86B	$6.84B
Retained Earnings	$341.92M	$341.74M	$344.29M	$346.75M	$349.88M
Shareholders' Equity	$748.11M	$745.96M	$753.20M	$757.40M	$763.03M
Net Debt	$1.09B	$1.09B	$1.08B	$947.66M	$936.16M

KRNY Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$16.80M	$8.09M	$1.50M	$14.31M	$7.93M
Capital Expenditure	-$145.00K	-$786.00K	-$367.00K	-$367.00K	-$305.00K
Free Cash Flow	$16.66M	$7.30M	$1.14M	$13.94M	$7.62M
Depreciation & Amortisation	$1.21M	$1.20M	$1.16M	$1.13M	$1.09M
Stock-Based Compensation	$525.00K	$915.00K	$847.00K	$956.00K	$969.00K
Investing Cash Flow	-$18.67M	$30.29M	$62.27M	$42.40M	-$7.89M
Financing Cash Flow	-$13.59M	$2.80M	-$100.90M	-$39.51M	-$23.54M
Dividends Paid	-$6.88M	-$6.89M	-$7.09M	-$6.89M	-$6.92M
Share Repurchases	$0.00	-$13.00K	-$415.00K	$0.00	$0.00
Net Change in Cash	-$15.46M	$41.17M	-$37.13M	$17.20M	-$23.50M

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.