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Company Analysis

Kearny Financial KRNY

A comprehensive view of key metrics, scores, and financial health for Kearny Financial

Overview of Kearny Financial Corp.

KRNY NMS
Financial Services Banks - Regional Small Cap
Kearny Financial Corp. (KRNY), is a Small Cap company, in the Banks - Regional industry, last closed at $7.25, about 71.4% undervalued vs fair value, +12.9% 1Y return, placing in the top 25% of its sector.
$7.25
-0.82%
As of March 13, 2026
Previous close • Vol 90d: 29.2%
52-Week Range
Market Cap
$470.36M
Enterprise Value
$1.42B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.kearnybank.com
HQ Fairfield, NJ
Employees 504
Fiscal year Jun 30

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$12
$23
Current: $7.25 +71% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$324.5M
-1.3%%
Interest Expense
$189.5M
Net Interest Income
$134.9M
-5.4%%
Total Revenue
$154.0M
9.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$28.0M
107.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Kearny Financial's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
42
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
29
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing KRNY's balance between Growth (23.2%), Profitability (53.4%), and Safety (23.4%). Growth 23% Safety 23% Profitability 53%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

15th percentile vs peers
15
Key Signals
Asset Growth YoY 0.7% 25p Rev Growth YoY 9.5% 16p Revenue CAGR 3Y -9.9% 2p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth in bottom 20% of peers (percentile: 15)
  • Rev Growth Yoy in bottom 20% of peers (9.5%)

Profitability

34th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

15th percentile vs peers
15
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Kearny Financial.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$12.43
- - -
+71.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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