Stocks · Financial Services · Banks - Regional
Kearny Financial Corp. KRNY
$9.27 -0.54% Close, Oct 5, 2026 · NASDAQ · Market cap $586.5M
Strong trendHigh risk
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 20.0× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $0.57, up 36.5% year over year.
- The stock is in an uptrend: above its 200-day average for 217 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth54Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 30%
- EPS growth (TTM, YoY)Top 30%
- FCF growth (TTM, YoY)Top 23%
- Revenue growth, 3-year CAGRBottom 17%
- Revenue growth accelerationTop 32%
Quality17Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 36%
- Gross marginBottom 24%
- Operating marginBottom 29%
- Cash conversion (OCF / net income)Bottom 41%
- Accruals (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Bottom 4%
- Interest coverBottom 17%
Value31Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 48%
- Free-cash-flow yieldBottom 41%
- EBITDA / enterprise valueBottom 32%
- Sales / enterprise valueBottom 27%
- P/E vs own 5-year history (lower is better)Bottom 27%
Momentum84Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 6%
- 6-month returnTop 19%
- 1-year return vs S&P 500Top 12%
- Distance from 52-week highTop 45%
- Trend checklist (0–4)Top 48%
Revisions17Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 21%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 40%
- Upside to consensus price targetTop 50%
Stability20Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 48%
- Maximum drawdown, 3 yearsBottom 23%
- Beta vs S&P 500 (lower is better)Bottom 42%
- Net debt / EBITDA (lower is better)Bottom 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.5% | 1.1% | ↑ |
| Gross margin | 44.1% | 50.8% | ↑ |
| Operating margin | 9.0% | 13.7% | ↑ |
| FCF margin | 6.2% | 10.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.1% | -0.5% | ↑ | Bottom 30% |
| EPS growth (TTM, YoY) | 36.5% | — | Top 30% | |
| Gross margin | 50.8% | 44.1% | ↑ | Bottom 24% |
| Operating margin | 13.7% | 9.0% | ↑ | Bottom 29% |
| Net margin | 10.4% | 7.6% | ↑ | — |
| Free-cash-flow margin | 10.7% | 6.2% | ↑ | — |
| Return on invested capital | 0.5% | — | Bottom 36% | |
| Revenue growth, 3-year CAGR | 5.4% | — | Bottom 17% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.04×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 19.97×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.75%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 4.75%
- Share count change, 1 year
- +0.7%
- Share count change, 3-year CAGR
- -0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 21, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 8
- Average EPS surprise, last 4
- -3.8%
- Average 2-day reaction, last 8
- -1.9%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $10.75
- Target vs current price
- +16.0%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 40%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -9.1% | -3.8% | +1.2% | +1.6% | — |
| Apr 23, 2026 | +0.0% | +2.3% | +2.5% | +4.6% | +20.5% |
| Jan 22, 2026 | -6.3% | -1.9% | -8.0% | -1.7% | -1.7% |
| Oct 23, 2025 | +0.0% | -2.2% | -4.0% | -4.9% | +17.3% |
| Jul 24, 2025 | -15.4% | -5.7% | -7.8% | -6.9% | -0.6% |
| Apr 24, 2025 | +0.0% | +4.7% | +1.6% | +0.0% | +5.8% |
| Jan 30, 2025 | -16.7% | -5.5% | -2.7% | -6.5% | -12.5% |
| Oct 24, 2024 | +11.1% | -2.8% | -1.9% | +11.6% | -1.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.15 | $0.17 | -9.1% | $45.7M |
| Apr 23, 2026 | $0.15 | $0.15 | +0.0% | $44.3M |
| Jan 22, 2026 | $0.15 | $0.16 | -6.3% | $43.5M |
| Oct 23, 2025 | $0.15 | $0.15 | +0.0% | $43.6M |
| Jul 24, 2025 | $0.11 | $0.13 | -15.4% | $40.8M |
| Apr 24, 2025 | $0.11 | $0.11 | +0.0% | $38.6M |
| Jan 30, 2025 | $0.10 | $0.12 | -16.7% | $37.5M |
| Oct 24, 2024 | $0.10 | $0.09 | +11.1% | $37.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 16.3× | 14.2× | 76th | Bottom 48% |
| P/E (forward) | 11.8× | — | — | — |
| EV / EBITDA | 31.3× | — | — | Bottom 32% |
| EV / Sales | 4.67× | — | — | Bottom 27% |
| Free-cash-flow yield | 6.32% | — | — | Bottom 41% |
| Earnings yield | 6.15% | — | — | Bottom 48% |
P/E over the past five years
Range 9.9× – 17.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +41.7%
- Earnings per share growth (TTM)
- +36.5%
- Change in P/E multiple
- +17.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 217
- 50-day average slope (20 days)
- +0.5%
- 200-day average slope (20 days)
- +2.9%
- Distance from 50-day average
- -3.8%
- Distance from 200-day average
- +9.1%
- RSI (14)
- 39.9
- Relative volume
- 1.01×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.2%
- Volatility vs own 5-year history
- 7th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -8.5%
- Maximum drawdown, 3 years
- -42.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | Jun 14, 2024 | -61.2% | 606 days | Not yet recovered |
| May 17, 2021 | Jul 19, 2021 | -16.2% | 43 days | 72 days (Oct 28, 2021) |
| Jan 14, 2021 | Jan 27, 2021 | -12.3% | 8 days | 19 days (Feb 24, 2021) |
| Oct 23, 2020 | Nov 4, 2020 | -11.3% | 8 days | 4 days (Nov 10, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $586.5M
- P/E (TTM)
- 16.3
- EPS, diluted (TTM)
- $0.57
- Revenue (TTM)
- $347.1M
- Dividend yield
- 4.75%
- 52-week range
- $6.23 – $10.24
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $240.2M | $296.5M | $326.9M | $343.5M | $347.1M |
| Gross profit | $218.1M | $176.1M | $134.4M | $151.6M | $176.4M |
| Operating income | $92.3M | $52.4M | -$80.8M | $31.0M | $47.4M |
| Net income | $67.5M | $40.8M | -$86.7M | $26.1M | $36.3M |
| EPS (diluted) | $0.95 | $0.63 | -$1.39 | $0.42 | $0.57 |
| Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $87.9M | $86.4M | $83.9M | $85.4M | $88.4M | $86.2M | $85.3M | $87.3M |
| Net income | $6.1M | $6.6M | $6.6M | $6.8M | $9.5M | $9.4M | $10.1M | $7.2M |
| EPS (diluted) | $0.10 | $0.10 | $0.11 | $0.11 | $0.15 | $0.15 | $0.16 | $0.11 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $81.3M | $69.5M | $44.0M | $24.8M | $36.9M |
| Capital expenditure | -$2.9M | -$1.4M | -$1.4M | -$3.4M | -$2.5M |
| Free cash flow | $78.4M | $68.2M | $42.6M | $21.4M | $34.4M |
| Dividends paid | -$30.7M | -$28.5M | -$27.6M | -$27.6M | -$27.8M |
| Net share buybacks | -$130.5M | -$28.0M | -$11.7M | -$362,000 | -$424,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.08B
- Total assets
- $7.68B
- Total liabilities
- $6.92B
- Total debt
- $1.15B
- Net debt
- $1.04B
- Shareholders’ equity
- $766.7M
As of Jun 30, 2026 (filed Aug 21, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 12, 2026 | $0.11 | Aug 26, 2026 |
| May 6, 2026 | $0.11 | May 20, 2026 |
| Feb 4, 2026 | $0.11 | Feb 18, 2026 |
| Nov 5, 2025 | $0.11 | Nov 19, 2025 |
| Aug 12, 2025 | $0.11 | Aug 26, 2025 |
| May 7, 2025 | $0.11 | May 21, 2025 |
| Feb 12, 2025 | $0.11 | Feb 26, 2025 |
| Nov 6, 2024 | $0.11 | Nov 20, 2024 |
Short interest
- Shares sold short
- 2,897,643
- Days to cover
- 6.08
- Change vs previous report
- +7.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 15, 2015
- 3,451-for-2,500