Kearny Financial Corp. (KRNY) Stock Analysis
Financial Services · Banks - Regional · NasdaqGS
Kearny Financial Corp. (KRNY) posted $154.00M in revenue for fiscal 2025 (up 9.5% year over year), at a 16.9% net margin, and has compounded revenue about 137.2%/yr over five years, per its SEC filings.
Data last refreshed September 3, 2026 from SEC filings · how we compute this
The analyst's take on Kearny Financial Corp.
Kearny Financial Corp. has grown revenue from — to $154.00M over the last 10 fiscal years, compounding about 137.2% a year. The most recent year was up 9.5%, so growth has cooled from its longer-run pace.
Net margin sits at 16.9%, up 78.5 points year over year. It carries about $1.26B of total debt.
At today's valuation the market is pricing in roughly 10.9% annual free-cash-flow growth — versus the 9.9% it actually delivered over the last five years, broadly in line with what it has delivered. It clears 5 of 7 deterministic health checks. The one thing worth a second look in the filings is heavy debt load.
Synthesised from Kearny Financial Corp.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
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Kearny Financial Corp. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | $2.05M | $1.90M | $210.54M | $178.62M | $140.60M | $154.00M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $15.82M | $18.60M | $19.60M | $42.14M | $44.97M | $63.23M | $67.55M | $40.81M | $-86.67M | $26.07M |
| Net margin | — | — | — | — | 2192.3% | 3333.3% | 32.1% | 22.8% | -61.6% | 16.9% |
Source: Kearny Financial Corp. SEC filings (10-K). 13 years of history available in the interactive view.
Kearny Financial Corp. financial health: 5 of 7 checks passed
- ✗Profitable every year (last 5)
- ✓Net margin above 10% (16.9%)
- ✗More cash than total debt (cash 1180.2M vs debt 1406.5M)
- ✓Positive operating cash flow (last 5 yrs)
- ✓Free cash flow positive (latest yr) (21.4M)
- ✓Share count falling over 5 yrs (buybacks) (83.7M → 62.6M shares)
- ✓Pays a dividend (10 consecutive yrs in our data)
Checks computed deterministically from filed annual statements — no AI judgement.
Kearny Financial Corp.: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $1406.5M is 56.8× last year's operating cash flow — it would take years of cash flow to clear.
- Net margin shrinkingNet margin fell from 32.1% to 16.9% over ~3 years — profitability is compressing.
What growth is priced into KRNY stock?
At today's market cap of $539.96M, Kearny Financial Corp. is priced for free-cash-flow growth of about 10.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $21.39M from the FY ending 2025-06-30). For comparison, free cash flow actually grew 9.9%/yr over the last five fiscal years and revenue 137.2%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 13 years of Kearny Financial Corp. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Kearny Financial Corp. financial history
About Kearny Financial Corp.
Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. The company offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. It also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans, as well as engages in the investment activities. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.
Kearny Financial Corp. — frequently asked questions
What is Kearny Financial Corp.'s revenue?
Kearny Financial Corp. (KRNY) reported revenue of $154.00M for fiscal year 2025, up 9.5% from the prior year, according to its SEC filings.
Is Kearny Financial Corp. profitable?
Yes. KRNY earned net income of $26.07M in fiscal 2025, a net margin of 16.9%.
What is KRNY's P/E ratio?
Kearny Financial Corp. trades at a price-to-earnings ratio of about 15.1 based on the latest data in our nightly-refreshed cache.
How fast is Kearny Financial Corp. growing?
KRNY's revenue grew at roughly 137.2% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
Does Kearny Financial Corp. pay a dividend?
Yes, KRNY pays a dividend — the yield is about 5.09%.
How much debt does Kearny Financial Corp. have?
As of fiscal year 2025, KRNY carried roughly $1.26B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Kearny Financial Corp.'s market cap?
Kearny Financial Corp. (KRNY) has a market capitalization of about $539.96M, based on the latest data in our nightly-refreshed cache.
When does Kearny Financial Corp.'s fiscal year end?
KRNY's fiscal year ends in June. Its most recent annual filing covers the fiscal year ending 2025-06-30.
What growth is priced into KRNY stock?
At today's market cap of $539.96M, Kearny Financial Corp. is priced for free-cash-flow growth of about 10.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $21.39M from the FY ending 2025-06-30). For comparison, free cash flow actually grew 9.9%/yr over the last five fiscal years and revenue 137.2%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Kearny Financial Corp.'s official SEC filings (10-K and 10-Q), covering 13 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.