Kearny Financial Corp. (KRNY) Balance Sheet
KRNY balance sheet, FY2026
June 30, 2026 · U.S. dollars$7.68B assets = $6.92B liabilities + $766.7M equity
Both columns are drawn to the same scale: what KRNY owns equals what it owes plus shareholders’ equity. Hover a block for its value.
KRNY financial health
Descriptive bands, not a rating. Fiscal FY2026.
KRNY balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $4.82BFY2017 | $7.68BFY2026 | +5.3%/yr | |
| Total liabilities | $3.76BFY2017 | $6.92BFY2026 | +7.0%/yr | |
| Shareholders’ equity | $1.06BFY2017 | $766.7MFY2026 | −3.5%/yr | |
| Cash & short-term investments | $692.0MFY2017 | $1.08BFY2026 | +5.1%/yr | |
| Total debt | $806.2MFY2017 | $1.15BFY2026 | +4.0%/yr | |
| Net cash (debt) | −$114.2MFY2017 | −$70.8MFY2026 | +$43.4M | |
| Working capital | −$2.23BFY2017 | $1.21BFY2026 | +$3.4B | |
| Book value per share | $12.49FY2017 | $12.13FY2026 | −0.3%/yr | |
| Debt / equity | 0.76FY2017 | 1.50FY2026 | +0.74 | |
| Shares outstanding | 84.7MFY2017 | 63.2MFY2026 | −3.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
KRNY assets
KRNY liabilities and equity
KRNY debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
KRNY balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $1.08B | $1.18B | $1.14B | $1.30B | $1.45B | $1.74B | $1.57B | $753.2M | $853.9M | $692.0M |
| Cash & equivalents | $114.8M | $167.3M | $63.9M | $70.5M | $101.6M | $67.9M | $181.0M | $38.9M | $128.9M | $78.2M |
| Short-term investments | $964.4M | $1.01B | $1.07B | $1.23B | $1.34B | $1.68B | $1.39B | $714.3M | $725.1M | $613.8M |
| Receivables | $5.86B | $5.79B | $29.5M | $28.1M | $20.5M | $19.4M | $17.4M | $19.4M | $18.5M | $12.5M |
| Inventory | $0 | $0 | −$5.78B | −$111.6M | −$20.5M | −$87.4M | −$198.5M | −$58.3M | $725,000 | $1.6M |
| Other current assets | $0 | $0 | $5.78B | $111.6M | $20.5M | $87.4M | $198.5M | $58.3M | $0 | $0 |
| Total current assets | $6.94B | $6.98B | $1.17B | $1.33B | $1.47B | $1.76B | $1.58B | $772.6M | $872.5M | $704.5M |
| Property, plant & equipment (net) | $42.4M | $43.9M | $44.9M | $48.3M | $53.3M | $56.3M | $57.4M | $56.9M | $56.2M | $39.6M |
| Goodwill & intangible assets | $114.5M | $115.0M | $115.5M | $213.4M | $213.9M | $214.6M | $214.9M | $216.1M | $217.2M | $108.9M |
| Long-term investments | $1.07B | $1.13B | $1.21B | $1.37B | $1.46B | $1.72B | $1.42B | $1.29B | $1.31B | $589.2M |
| Other non-current assets | $0 | $0 | $5.15B | $5.10B | $4.52B | $3.53B | $3.48B | $4.30B | $4.12B | $3.38B |
| Total assets | $7.68B | $7.74B | $7.68B | $8.06B | $7.72B | $7.28B | $6.76B | $6.63B | $6.58B | $4.82B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $5.63B | −$3.69B | $5.49B | $4.43B | $4.15B | $4.07B | $2.93B |
| Short-term debt | — | $150.0M | $175.0M | $225.0M | $250.0M | $413.6M | $5.7M | $8.8M | $28.5M | $30.5M |
| Deferred revenue | — | — | — | — | $49.4M | — | — | — | — | — |
| Total current liabilities | $5.73B | $5.83B | $5.33B | $5.85B | $6.11B | $5.49B | $4.43B | $4.15B | $4.07B | $2.93B |
| Long-term debt | $950.0M | $1.11B | $1.43B | $1.51B | $651.3M | $665.9M | $1.17B | $38.8M | $28.5M | $30.5M |
| Other long-term liabilities | $200.0M | $62.8M | $162.0M | $0 | $62.3M | $89.6M | $70.6M | $1.32B | $1.21B | $800.7M |
| Total liabilities | $6.92B | $6.99B | $6.93B | $7.20B | $6.83B | $6.24B | $5.67B | $5.51B | $5.31B | $3.76B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $648,000 | $646,000 | $644,000 | $659,000 | $687,000 | $790,000 | $837,000 | $891,000 | $996,000 | $844,000 |
| Retained earnings (deficit) | $350.0M | $341.7M | $343.3M | $457.6M | $445.5M | $408.4M | $387.9M | $366.7M | $359.1M | $361.0M |
| Treasury stock | — | — | — | — | — | — | — | — | −$32.6M | −$34.5M |
| Accumulated other comprehensive income | −$63.0M | −$72.0M | −$63.2M | −$69.5M | −$55.7M | $6.1M | $1.3M | $2.8M | $18.5M | $1.0M |
| Total shareholders' equity | $766.7M | $746.0M | $753.6M | $869.3M | $894.0M | $1.04B | $1.08B | $1.13B | $1.27B | $1.06B |
| Key figures | ||||||||||
| Total debt | $1.15B | $1.26B | $1.61B | $1.51B | $901.3M | $685.9M | $1.17B | $1.32B | $1.20B | $806.2M |
| Net cash (debt) | −$70.8M | −$76.3M | −$473.1M | −$208.6M | $544.4M | $1.06B | $393.5M | −$568.8M | −$344.7M | −$114.2M |
| Working capital | $1.21B | $1.15B | −$4.17B | −$4.53B | −$4.65B | −$3.72B | −$2.85B | −$3.38B | −$3.20B | −$2.23B |
| Tangible book value | $652.2M | $631.0M | $638.1M | $655.9M | $680.1M | $828.3M | $869.3M | $911.1M | $1.05B | $948.3M |
| Book value per share | $12.13 | $11.89 | $12.07 | $13.41 | $12.60 | $12.66 | $12.96 | $12.37 | $15.35 | $12.49 |
| Shares outstanding | 63.2M | 62.7M | 62.4M | 64.8M | 70.9M | 82.4M | 83.7M | 91.1M | 82.6M | 84.7M |
| Current ratio | 1.21 | 1.20 | 0.22 | 0.23 | 0.24 | 0.32 | 0.36 | 0.19 | 0.21 | 0.24 |
| Quick ratio | 1.21 | 1.20 | 0.22 | 0.23 | 0.24 | 0.32 | 0.36 | 0.19 | 0.21 | 0.24 |
| Debt / equity | 1.50 | 1.68 | 2.14 | 1.73 | 1.01 | 0.66 | 1.08 | 1.17 | 0.94 | 0.76 |
| Equity / assets | 10.0% | 9.6% | 9.8% | 10.8% | 11.6% | 14.3% | 16.0% | 17.0% | 19.3% | 21.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $1.08B | $1.11B | $1.15B | $1.15B | $1.18B | $1.13B | $1.16B | $1.23B | $1.14B | $1.17B | $1.22B | $1.27B |
| Cash & equivalents | $114.8M | $123.8M | $147.3M | $130.1M | $167.3M | $126.1M | $141.6M | $155.6M | $63.9M | $71.0M | $73.9M | $57.2M |
| Short-term investments | $964.4M | $983.3M | $1.00B | $1.02B | $1.01B | $1.00B | $1.02B | $1.07B | $1.07B | $1.10B | $1.14B | $1.22B |
| Receivables | $5.86B | $5.76B | $5.74B | $29.5M | $5.79B | $28.5M | $27.8M | $29.5M | $29.5M | $31.1M | $30.3M | $29.8M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$6.86B | −$5.78B | −$5.82B | $5.58B | −$99.9M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $6.86B | $5.78B | $5.82B | $0 | $99.9M |
| Total current assets | $6.94B | $6.87B | $6.88B | $1.18B | $6.98B | $1.16B | $1.19B | $1.26B | $1.17B | $1.20B | $1.25B | $1.30B |
| Property, plant & equipment (net) | $42.4M | $41.9M | $42.6M | $43.2M | $43.9M | $44.2M | $45.1M | $45.2M | $44.9M | $45.1M | $45.9M | $46.9M |
| Goodwill & intangible assets | $114.5M | $114.6M | $114.7M | $114.8M | $115.0M | $115.1M | $115.2M | $115.3M | $115.5M | $213.0M | $213.1M | $213.2M |
| Long-term investments | $1.07B | $1.09B | $1.11B | $1.13B | $1.13B | $1.13B | $1.15B | $1.20B | $1.21B | $1.24B | $1.29B | $1.36B |
| Other non-current assets | $0 | $0 | $0 | $5.18B | $0 | $5.29B | $5.24B | $5.15B | $5.15B | $5.14B | $5.10B | $5.05B |
| Total assets | $7.68B | $7.61B | $7.62B | $7.65B | $7.74B | $7.73B | $7.73B | $7.77B | $7.68B | $7.84B | $7.90B | $7.97B |
| Liabilities | ||||||||||||
| Short-term debt | $200.0M | $160.0M | $295.0M | $200.0M | $150.0M | $185.0M | $230.0M | $270.0M | $175.0M | $265.0M | $1.44B | $170.0M |
| Total current liabilities | $200.0M | $160.0M | $6.01B | $5.83B | $5.83B | $5.89B | $5.90B | $5.74B | $5.33B | $5.47B | $5.32B | $5.60B |
| Long-term debt | $950.0M | $900.0M | $800.0M | $1.01B | $1.11B | $1.03B | $1.03B | $1.11B | $1.43B | $1.36B | $1.67B | $1.63B |
| Other long-term liabilities | $5.77B | $5.78B | $56.9M | $56.4M | $62.8M | $63.7M | $56.5M | $170.4M | $162.0M | $161.7M | $63.2M | $0 |
| Total liabilities | $6.92B | $6.84B | $6.86B | $6.89B | $6.99B | $6.99B | $6.99B | $7.02B | $6.93B | $6.99B | $7.05B | $7.13B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $648,000 | $648,000 | $648,000 | $648,000 | $646,000 | $646,000 | $646,000 | $646,000 | $644,000 | $644,000 | $645,000 | $652,000 |
| Retained earnings (deficit) | $350.0M | $349.9M | $346.7M | $344.3M | $341.7M | $341.9M | $342.2M | $342.5M | $343.3M | $440.3M | $439.8M | $460.5M |
| Accumulated other comprehensive income | −$63.0M | −$65.4M | −$67.0M | −$67.7M | −$72.0M | −$69.1M | −$72.1M | −$64.7M | −$63.2M | −$63.7M | −$63.8M | −$86.5M |
| Total shareholders' equity | $766.7M | $763.0M | $757.4M | $753.2M | $746.0M | $748.1M | $744.9M | $751.5M | $753.6M | $849.1M | $848.0M | $849.5M |
| Key figures | ||||||||||||
| Total debt | $1.15B | $1.06B | $1.09B | $1.21B | $1.26B | $1.21B | $1.26B | $1.38B | $1.61B | $1.62B | $1.67B | $1.63B |
| Net cash (debt) | −$70.8M | $47.2M | $52.7M | −$60.2M | −$76.3M | −$84.5M | −$99.1M | −$153.5M | −$473.1M | −$452.5M | −$449.0M | −$354.1M |
| Working capital | $6.74B | $6.71B | $877.0M | −$4.66B | $1.15B | −$4.73B | −$4.71B | −$4.48B | −$4.17B | −$4.27B | −$4.07B | −$4.30B |
| Tangible book value | $652.2M | $648.4M | $642.7M | $638.4M | $631.0M | $633.0M | $629.6M | $636.2M | $638.1M | $636.1M | $634.9M | $636.3M |
| Book value per share | $12.13 | $12.06 | $12.01 | $11.96 | $11.89 | $11.93 | $11.89 | $12.04 | $12.10 | $13.65 | $13.61 | $13.47 |
| Shares outstanding | 63.2M | 63.3M | 63.1M | 63.0M | 62.8M | 62.7M | 62.6M | 62.4M | 62.3M | 62.2M | 62.3M | 63.1M |
| Current ratio | 34.68 | 42.94 | 1.15 | 0.20 | 1.20 | 0.20 | 0.20 | 0.22 | 0.22 | 0.22 | 0.23 | 0.23 |
| Quick ratio | 34.68 | 42.94 | 1.15 | 0.20 | 1.20 | 0.20 | 0.20 | 0.22 | 0.22 | 0.22 | 0.23 | 0.23 |
| Debt / equity | 1.50 | 1.39 | 1.45 | 1.60 | 1.68 | 1.62 | 1.69 | 1.84 | 2.14 | 1.91 | 1.97 | 1.92 |
| Equity / assets | 10.0% | 10.0% | 9.9% | 9.8% | 9.6% | 9.7% | 9.6% | 9.7% | 9.8% | 10.8% | 10.7% | 10.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed August 21, 2026); data from EODHD.
KRNY financial position
At the end of fiscal 2026 (June 30, 2026), Kearny Financial had total assets of $7.7 billion (down 0.8% from a year earlier), total liabilities of $6.9 billion and shareholders' equity of $766.7 million. It held $1.1 billion in cash and short-term investments against $1.1 billion of debt, net debt of $70.8 million. Its current ratio was 1.21.
Related: KRNY income statement, KRNY cash flow statement, KRNY key metrics. See the KRNY stock overview for the latest quote and news.
KRNY balance sheet FAQ
What are Kearny Financial's total assets?
Kearny Financial reported total assets of $7.7 billion at the end of fiscal 2026 (June 30, 2026), compared with $7.7 billion a year earlier.
How much debt does Kearny Financial have?
Kearny Financial had $1.1 billion of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 1.50.
How much cash does Kearny Financial have?
Kearny Financial held $1.1 billion in cash and short-term investments at the end of fiscal 2026; with $1.1 billion of debt that is net debt of $70.8 million.
What is Kearny Financial's book value?
Kearny Financial's shareholders' equity (book value) was $766.7 million at the end of fiscal 2026, or $12.13 per share.
What is Kearny Financial's current ratio?
Kearny Financial had current assets of $6.9 billion and current liabilities of $5.7 billion, a current ratio of 1.21 (it can cover its short-term obligations).
How much goodwill does Kearny Financial have?
Kearny Financial carried $114.5 million of goodwill and intangible assets, 1.5% of total assets, at the end of fiscal 2026.