Kearny Financial (KRNY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Kearny Financial

NasdaqGS•Financial Services•Banks - Regional

$9.78-0.05(-0.01%)Market closed

Market Cap

$607.54M

P/E

16.8x

P/S

1.8x

P/B

0.8x

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, individual retirement account, and certificates of deposit. It also provides loans, such as multifamily mortgage loans, nonresidential commercial real estate mortgage loans, commercial and industrial loans, construction loans, one-to four-family residential mortgage loans, residential mortgage loans, home equity loans, personal loans, and consumer loans; and overdraft lines of credit, as well as engages in investment activities. In addition, the company offers treasury management services, commercial deposit products, corporate banking services, wealth management services, and insurance brokerage services. It serves consumers, small and middle-market businesses, professionals, nonprofit organizations, and government entities through branch locations and digital banking channels. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.

How this company scores

WeakMetricSide Score: 60/100

Grade capped at D — Interest coverage below 1× (0.3x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (22/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability14/25

Growth16/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowRising earningsProfit converts from growthNet cash position

Grade capped at D

Interest coverage below 1× (0.3x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 16.8x5y range 11.1x – 30.5x

Currently above its 16-quarter median.

P/S · 1.8x5y range 1.1x – 3.9x

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.5x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $607.54M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $347.14M
Q. Revenue: $87.30M
TTM EBITDA: $51.43M
TTM Op. Income: $49.10M
Q. Op. Income: $11.84M
TTM Net Income: $36.26M
Q. Net Income: $7.17M
EPS: $0.114
Shares Out.: $62.96M

$347.14M in TTM revenue grew 1.1% YoY, reaching $87.30M last quarter. TTM EBITDA of $51.43M and TTM operating income of $49.10M show growth is flowing through to the bottom line. TTM net income of $36.26M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 52.3%
EBITDA Margin: 12.8%
Op. Margin: 13.6%
Net Margin: 8.2%

Op. margin of 13.6% is up 1.9% YoY — cost efficiency is improving. Net margin at 8.2% and gross margin of 52.3% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 16% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 16.8x
P/S Ratio: 1.8x
P/B Ratio: 0.8x

At 16.8x P/E, the stock trades within typical market levels. P/S of 1.8x and P/B of 0.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 8% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $7.68B
Cash: $114.82M
Long-Term Debt: N/A
Book Value: $766.67M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $13.99M
TTM Free Cash Flow: $35.27M
FCF Margin: 10.2%
FCF / Net Income: 1.0

TTM FCF of $35.27M on $13.99M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 65% — an improving trend.