Kearny Finl Corp Md Financials

KRNY

Source SEC Filings (10-K/10-Q) Updated Feb 5, 2026 Currency USD FYE June

This page shows Kearny Finl Corp Md (KRNY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 18/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Kearny Finl Corp Md's revenue declined 1.3% year-over-year, from $328.9M to $324.5M. This contraction results in a growth score of 25/100.

Leverage

Kearny Finl Corp Md has elevated debt relative to equity (D/E of 9.38), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Kearny Finl Corp Md has a free cash flow margin of 6.6%, earning a moderate score of 33/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Kearny Finl Corp Md generates a 3.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 14/100.

Piotroski F-Score Weak

3/9

Kearny Finl Corp Md passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.95x

For every $1 of reported earnings, Kearny Finl Corp Md generates $0.95 in operating cash flow ($24.8M OCF vs $26.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

Export CSV

Revenue

$324.5M

YoY-1.3%

5Y CAGR+175.3%

10Y CAGR+11.8%

Kearny Finl Corp Md generated $324.5M in revenue in fiscal year 2025. This represents a decrease of 1.3% from the prior year.

EBITDA

N/A

Free Cash Flow

$21.4M

YoY-49.8%

5Y CAGR+9.9%

10Y CAGR+1.5%

Kearny Finl Corp Md generated $21.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 49.8% from the prior year.

Net Income

$26.1M

YoY+130.1%

5Y CAGR-10.3%

10Y CAGR+16.6%

Kearny Finl Corp Md reported $26.1M in net income in fiscal year 2025. This represents an increase of 130.1% from the prior year.

EPS (Diluted)

$0.42

YoY+130.2%

5Y CAGR-5.3%

10Y CAGR+21.5%

Kearny Finl Corp Md earned $0.42 per diluted share (EPS) in fiscal year 2025. This represents an increase of 130.2% from the prior year.

Cash & Debt

$167.3M

YoY+161.9%

5Y CAGR-1.6%

10Y CAGR-6.9%

Kearny Finl Corp Md held $167.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.44

YoY+0.0%

5Y CAGR+8.7%

Kearny Finl Corp Md paid $0.44 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

65M

YoY+0.2%

5Y CAGR-5.0%

10Y CAGR-3.6%

Kearny Finl Corp Md had 65M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.0%

YoY+34.4pp

5Y CAGR-2184.3pp

10Y CAGR+2.7pp

Kearny Finl Corp Md's net profit margin was 8.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 34.4 percentage points from the prior year.

Return on Equity

3.5%

5Y CAGR-0.6pp

10Y CAGR+3.0pp

Kearny Finl Corp Md's ROE was 3.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$3.4M

YoY+150.6%

5Y CAGR-10.7%

10Y CAGR+5.1%

Kearny Finl Corp Md invested $3.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 150.6% from the prior year.

KRNY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$324.5M-1.3%	$328.9M+12.0%	$293.7M+11284.7%	$2.6M+36.0%	$1.9M-7.5%	$2.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$189.5M+1.7%	$186.3M+58.0%	$117.9M+297.2%	$29.7M-40.5%	$49.9M-40.6%	$83.9M
Income Tax	$4.9M-16.4%	$5.9M-49.1%	$11.6M-53.4%	$24.8M+16.6%	$21.3M+73.1%	$12.3M
Net Income	$26.1M+130.1%	-$86.7M-312.4%	$40.8M-39.6%	$67.5M+6.8%	$63.2M+40.6%	$45.0M
EPS (Diluted)	$0.42+130.2%	$-1.39-320.6%	$0.63-33.7%	$0.95+23.4%	$0.77+40.0%	$0.55

Metric	Q2'26	Q2'26	Q1'26	Q2'25	Q3'25	Q2'25	Q1'25	Q2'24
Revenue	$81K-99.9%	$80.7M-2.2%	$82.5M+2.6%	$80.4M+1.3%	$79.3M-2.6%	$81.5M-2.1%	$83.3M+0.3%	$83.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$43K-99.9%	$42.7M-4.7%	$44.8M+0.5%	$44.6M-1.6%	$45.3M-7.3%	$48.9M-3.8%	$50.8M+2.2%	$49.7M
Income Tax	$2K-99.9%	$2.3M-5.2%	$2.5M+77.4%	$1.4M+15.6%	$1.2M-4.1%	$1.3M+15.2%	$1.1M+218.4%	-$917K
Net Income	$9K-99.9%	$9.4M-0.6%	$9.5M+40.4%	$6.8M+1.8%	$6.6M+1.2%	$6.6M+7.8%	$6.1M+106.8%	-$90.1M
EPS (Diluted)	$0.150.0%	$0.150.0%	$0.15+400.0%	$0.03-72.7%	$0.11+10.0%	$0.100.0%	$0.100.0%	$0.10

KRNY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.7B+0.7%	$7.7B-4.7%	$8.1B+4.5%	$7.7B+6.0%	$7.3B+7.8%	$6.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$167.3M+161.9%	$63.9M-9.4%	$70.5M-30.6%	$101.6M+49.8%	$67.9M-62.5%	$181.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$113.5M0.0%	$113.5M-46.2%	$210.9M0.0%	$210.9M0.0%	$210.9M0.0%	$210.9M
Total Liabilities	$7.0B+0.9%	$6.9B-3.7%	$7.2B+5.4%	$6.8B+9.4%	$6.2B+10.0%	$5.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$746.0M-1.0%	$753.6M-13.3%	$869.3M-2.8%	$894.0M-14.3%	$1.0B-3.8%	$1.1B
Retained Earnings	$341.7M-0.5%	$343.3M-25.0%	$457.6M+2.7%	$445.5M+9.1%	$408.4M+5.3%	$387.9M

Metric	Q2'26	Q2'26	Q1'26	Q2'25	Q3'25	Q2'25	Q1'25	Q2'24
Total Assets	$7.6M-99.9%	$7.6B-0.4%	$7.6B-1.2%	$7.7B+0.1%	$7.7B0.0%	$7.7B-0.5%	$7.8B+1.2%	$7.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$147K-99.9%	$147.3M+13.2%	$130.1M-22.2%	$167.3M+32.7%	$126.1M-10.9%	$141.6M-9.0%	$155.6M+143.6%	$63.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$114K-99.9%	$113.5M0.0%	$113.5M0.0%	$113.5M0.0%	$113.5M0.0%	$113.5M0.0%	$113.5M0.0%	$113.5M
Total Liabilities	$6.9M-99.9%	$6.9B-0.5%	$6.9B-1.4%	$7.0B+0.1%	$7.0B0.0%	$7.0B-0.5%	$7.0B+1.3%	$6.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$757K-99.9%	$757.4M+0.6%	$753.2M+1.0%	$746.0M-0.3%	$748.1M+0.4%	$744.9M-0.9%	$751.5M-0.3%	$753.6M
Retained Earnings	$347K-99.9%	$346.7M+0.7%	$344.3M+0.7%	$341.7M-0.1%	$341.9M-0.1%	$342.2M-0.1%	$342.5M-0.2%	$343.3M

KRNY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$24.8M-43.7%	$44.0M-36.8%	$69.5M-14.5%	$81.3M+7.8%	$75.4M+290.3%	$19.3M
Capital Expenditures	$3.4M+150.6%	$1.4M-0.4%	$1.4M-53.6%	$2.9M-46.5%	$5.5M-8.4%	$6.0M
Free Cash Flow	$21.4M-49.8%	$42.6M-37.5%	$68.2M-13.0%	$78.4M+12.0%	$70.0M+423.5%	$13.4M
Investing Cash Flow	$41.1M-84.1%	$258.1M+161.8%	-$417.9M+12.9%	-$480.0M-471.6%	-$84.0M-198.2%	$85.5M
Financing Cash Flow	$37.5M+112.2%	-$308.7M-197.3%	$317.3M-26.6%	$432.4M+513.6%	-$104.6M-380.8%	$37.2M
Dividends Paid	$27.6M+0.3%	$27.6M-3.3%	$28.5M-7.1%	$30.7M+7.1%	$28.6M+18.8%	$24.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q2'26	Q1'26	Q2'25	Q3'25	Q2'25	Q1'25	Q2'24
Operating Cash Flow	$16K-99.9%	$14.3M+851.5%	$1.5M-81.4%	$8.1M-51.9%	$16.8M+732.5%	-$2.7M-204.6%	$2.5M-65.0%	$7.3M
Capital Expenditures	N/A	$548K+19.9%	$457K	N/A	N/A	$1.7M+75.1%	$977K+24.0%	$788K
Free Cash Flow	N/A	$2.2M-56.3%	$5.1M	N/A	N/A	$12.1M+21.2%	$10.0M+1331.0%	-$810K
Investing Cash Flow	$105K-99.8%	$42.4M-31.9%	$62.3M+105.6%	$30.3M+262.2%	-$18.7M-218.4%	$15.8M+15.0%	$13.7M-75.4%	$55.8M
Financing Cash Flow	$140K+100.4%	-$39.5M+60.8%	-$100.9M-3702.2%	$2.8M+120.6%	-$13.6M+49.9%	-$27.1M-136.0%	$75.5M+207.4%	-$70.3M
Dividends Paid	$14K-99.8%	$6.9M-2.8%	$7.1M+2.9%	$6.9M+0.3%	$6.9M+0.3%	$6.9M-2.3%	$7.0M+2.3%	$6.9M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

KRNY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.0%+34.4pp	-26.4%-40.2pp	13.9%-2604.2pp	2618.1%-715.2pp	3333.3%+1141.0pp	2192.3%
Return on Equity	3.5%	N/A	4.7%-2.9pp	7.6%+1.5pp	6.1%+1.9pp	4.2%
Return on Assets	0.3%+1.5pp	-1.1%-1.6pp	0.5%-0.4pp	0.9%0.0pp	0.9%+0.2pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.38+0.2	9.20+0.9	8.28+0.6	7.64+1.7	5.98+0.8	5.23
FCF Margin	6.6%-6.4pp	13.0%-10.3pp	23.2%-3014.8pp	3038.0%-649.9pp	3687.9%+3036.3pp	651.6%

Metric	Q2'26	Q2'26	Q1'26	Q2'25	Q3'25	Q2'25	Q1'25	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.7%0.0pp	11.7%+0.2pp	11.5%+3.1pp	8.4%+0.0pp	8.4%+0.3pp	8.1%+0.7pp	7.3%+115.9pp	-108.5%
Return on Equity	1.3%0.0pp	1.3%0.0pp	1.3%+0.3pp	0.9%+0.0pp	0.9%0.0pp	0.9%+0.1pp	0.8%+0.0pp	0.8%
Return on Assets	0.1%0.0pp	0.1%0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%+1.3pp	-1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.060.0	9.06-0.1	9.15-0.2	9.38+0.0	9.34-0.0	9.38+0.0	9.34+0.1	9.20
FCF Margin	N/A	8.6%-11.2pp	19.7%	N/A	N/A	21.1%+4.5pp	16.7%+18.0pp	-1.4%

Similar Companies

Home Bancorp Inc HBCP

$462.8M

Red River Bancshares RRBI

$583.3M

Sierra Bancorp BSRR

$477.6M

Choiceone Finl Svcs Inc COFS

$429.3M

First Business Finl Svcs Inc W FBIZ

$455.0M

Frequently Asked Questions

What is Kearny Finl Corp Md's annual revenue?

Kearny Finl Corp Md (KRNY) reported $324.5M in total revenue for fiscal year 2025. This represents a -1.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Kearny Finl Corp Md's revenue growing?

Kearny Finl Corp Md (KRNY) revenue declined by 1.3% year-over-year, from $328.9M to $324.5M in fiscal year 2025.

Is Kearny Finl Corp Md profitable?

Yes, Kearny Finl Corp Md (KRNY) reported a net income of $26.1M in fiscal year 2025, with a net profit margin of 8.0%.

What is Kearny Finl Corp Md's earnings per share (EPS)?

Kearny Finl Corp Md (KRNY) reported diluted earnings per share of $0.42 for fiscal year 2025. This represents a 130.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Kearny Finl Corp Md's net profit margin?

Kearny Finl Corp Md (KRNY) had a net profit margin of 8.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Kearny Finl Corp Md pay dividends?

Yes, Kearny Finl Corp Md (KRNY) paid $0.44 per share in dividends during fiscal year 2025.

What is Kearny Finl Corp Md's return on equity (ROE)?

Kearny Finl Corp Md (KRNY) has a return on equity of 3.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Kearny Finl Corp Md's free cash flow?

Kearny Finl Corp Md (KRNY) generated $21.4M in free cash flow during fiscal year 2025. This represents a -49.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Kearny Finl Corp Md's operating cash flow?

Kearny Finl Corp Md (KRNY) generated $24.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Kearny Finl Corp Md's total assets?

Kearny Finl Corp Md (KRNY) had $7.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Kearny Finl Corp Md's capital expenditures?

Kearny Finl Corp Md (KRNY) invested $3.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Kearny Finl Corp Md have outstanding?

Kearny Finl Corp Md (KRNY) had 65M shares outstanding as of fiscal year 2025.

What is Kearny Finl Corp Md's debt-to-equity ratio?

Kearny Finl Corp Md (KRNY) had a debt-to-equity ratio of 9.38 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Kearny Finl Corp Md's return on assets (ROA)?

Kearny Finl Corp Md (KRNY) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Kearny Finl Corp Md's Piotroski F-Score?

Kearny Finl Corp Md (KRNY) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Kearny Finl Corp Md's earnings high quality?

Kearny Finl Corp Md (KRNY) has an earnings quality ratio of 0.95x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Kearny Finl Corp Md?

Kearny Finl Corp Md (KRNY) scores 18 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.