KRNY
Kearny Financial Corp.
KRNY's fundamentals are mixed: its operating margin rose 4 points to 27%, while earnings per share grew 23%. At 16x earnings, it's trading right at its usual valuation. Analysts expect strong earnings growth.
KRNY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
KRNY's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like KRNY.
KRNY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $9.15 | — |
| Cheap | 12x | $6.89 | -25% |
| Fair | 15x | $8.97 | -1.9% |
| Current | 16x | $9.15 | — |
| Expensive | 20x | $11.37 | +24% |
Historical ranges are pointers, not guarantees.
KRNY's PE is in its fair range at 16x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its cheap range.
KRNY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for KRNY, with profitability improving.
KRNY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +41% |
| Q3 2026 | $0.58 | +23% |
| Q2 2026 | $0.57 | +36% |
| Q1 2026 | $0.57 | +$1.71 |
| Q4 2025 | $0.52 | +$1.65 |
| Q3 2025 | $0.47 | +$1.92 |
| Q2 2025 | $0.42 | +$1.81 |
| Q1 2025 | -$1.14 | -556% |
| Q4 2024 | -$1.13 | -490% |
KRNY's earnings per share have fallen from their peak: $0.58 over the past year, against $1.01 in early 2022.
KRNY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $45.3M | +4% |
| Q2 2026 | $45.7M | +12% |
| Q1 2026 | $45.3M | +17% |
| Q4 2025 | $43.5M | +16% |
| Q3 2025 | $43.6M | +17% |
| Q2 2025 | $40.8M | +4.5% |
| Q1 2025 | $38.6M | +0.2% |
| Q4 2024 | $37.5M | +89% |
KRNY's revenue has grown year over year for eight quarters in a row: $45M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 28% | +0.5 points |
| Q2 2026 | 24% | +4.1 points |
| Q1 2026 | 28% | +7.6 points |
| Q4 2025 | 27% | +6.2 points |
| Q3 2025 | 27% | +8.1 points |
| Q2 2025 | 20% | +253 points |
| Q1 2025 | 20% | -3.3 points |
| Q4 2024 | 21% | +82 points |
KRNY's operating margin was 28% last quarter, about level with the same quarter a year ago.
KRNY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +520% |
| Q1 2026 | $7.9M | -53% |
| Q4 2025 | $14.3M | +$17M |
| Q3 2025 | $1.5M | -41% |
| Q1 2025 | $16.8M | -4.4% |
| Q4 2024 | -$2.7M | -139% |
| Q3 2024 | $2.5M | -79% |
| Q1 2024 | $17.6M | -17% |
KRNY's free cash flow was $33M over the past year, down 3.4% from the year before. Free cash flow isn't a meaningful measure for financial services companies like KRNY.
KRNY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +343K shares |
| 1 year | +1% | +612K shares |
| 3 years | +0.8% | +502K shares |
| 5 years | -15% | -11M shares |
| Available history | -23% | -19.3M shares |
KRNY has 64M diluted shares, up 1% from a year ago.
KRNY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | 14.7x | High |
| Q3 2025 | 21.6x | High |
| Q2 2025 | 26.2x | High |
| Q1 2024 | 44.6x | High |
| Q4 2023 | 85.3x | High |
| Q3 2023 | 60.8x | High |
| Q2 2023 | 46.3x | High |
| Q1 2023 | 43.6x | High |
KRNY's net debt is about 15 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KRNY.
KRNY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.2 | Neutral |
| Stochastic | 19.3 | Oversold |
KRNY's weekly RSI is 52 (neutral) and its Stochastic is 19 (oversold).
KRNY PE vs Financial Services Sector
| Metric | KRNY | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 21% above |
| PE % | 55 | 63 | 8 pts below |
KRNY is trading at 16x earnings, a 21% premium to the Financial Services sector's median of 13x.
KRNY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.16 | 0.1% below |
| 20 week MA | $9.43 | 3% below |
| 50 week MA | $8.52 | 7.4% above |
| 100 week MA | $7.51 | 22% above |
| 200 week MA | $7.43 | 23% above |
KRNY has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 23% above its 200-week average.
KRNY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $10.6 | -23% |
| 2021 | $10.6 | $13.1 | +24% |
| 2022 | $13.1 | $10.3 | -21% |
| 2023 | $10.3 | $8.97 | -13% |
| 2024 | $8.97 | $7.07 | -21% |
| 2025 | $7.07 | $7.58 | +7.2% |
| 2026 YTD | $7.58 | $9.15 | +21% |
KRNY has finished lower in four of the last six years. It's up 21% so far in 2026.