Kearny Financial Corp. (KRNY) AI Stock Analysis

Kearny Financial Corp. is the holding company overseeing Kearny Bank, a regional banking institution founded in 1884 and based in Fairfield, New Jersey. The bank provides consumer and commercial financial products across northern and central New Jersey, as well as Brooklyn and Staten Island, New York, through a network of 45 retail branches. Offerings include checking, savings, money market, and certificate of deposit accounts. Lending activities focus on multi-family and nonresidential real estate mortgages, commercial term loans, lines of credit, and home equity loans. The company also conducts investment activities to support its banking operations.

Annual revenue grew at a 5-year CAGR of 6.3% from FY2021 to FY2026. Revenue rose to $347.1M in FY2026, up 1.1% from $343.5M in FY2025. Gross margin improved to 50.8% in FY2026 from 44.1% in FY2025, while operating margin expanded to 13.7% compared to 9.0% in FY2025 and -24.7% in FY2024. Net income reached $36.3M in FY2026, generating an EPS of $0.61. For the trailing twelve months ended June 30, 2026, revenue stood at $176.4M with a net profit margin of 20.6%. In the latest quarter, revenue grew 14.9% year-over-year and quarterly earnings rose 5.3%.

As of June 30, 2026, Kearny Financial Corp. held $1.08B in cash and short-term investments against total debt of $1.15B, leaving net debt at $70.8M. Total assets were $7.68B and shareholders' equity was $766.7M, yielding a debt-to-equity ratio of 1.50 and a current ratio of 34.68. FY2026 operating cash flow was $36.9M, and free cash flow was $34.4M after capital expenditures of $2.5M. The company deployed cash toward $27.8M in dividends and $424,000 in share buybacks.

Kearny Financial Corp. carries a market capitalization of $566.7M and an enterprise value of $1.60B. Its trailing P/E of 15.7x and forward P/E of 11.5x compare to medians of 12.1x and 10.8x, respectively, for US-listed Financial Services peers. The stock trades at a price-to-book ratio of 0.8x and a price-to-sales ratio of 3.2x, matching its peer group median. Over the past year, the stock returned 46.0%, outperforming the S&P 500 ETF (SPY) return of 16.8%, though its 5-year return of -9.6% trailed the index's 83.0% gain.

Kearny Financial Corp. pays a quarterly dividend totaling an annualized $0.44 per share, representing a forward dividend yield of 4.91%. The payout ratio is 72.1%. The company has paid dividends for 12 consecutive years, delivering a 5-year annualized dividend growth rate of 6.6%. The most recent ex-dividend date was August 12, 2026.

Wall Street coverage consists of 2 Buy ratings and 1 Hold rating, with no Sell or Strong Sell recommendations. The mean price target of $10.67 sits 18.9% above the last close of $8.97. For the fiscal year ending June 30, 2027, consensus estimates anticipate EPS of $0.78 (up 32.8%) on revenue of $197.6M. Over the last four quarters, the company beat EPS estimates once. The next earnings release is scheduled for October 22, 2026.

This page is an AI-written research summary of Kearny Financial Corp. (KRNY). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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