Kearny Financial Corporation (KRNY) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 4, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-K for FY2026, filed Aug 21, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KRNY SEC filings page.
Kearny Financial Corporation (KRNY) reported $178.1M in revenue for fiscal year 2026, up 15.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 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).
FY2026 restored profitability through lower funding costs and revenue growth, alongside a liability-heavy balance sheet and modest returns.
FY2026 paired revenue growth of15.7% with a10.8% decline in interest expense, a combination that helped restore earnings after the prior loss. Operating cash flow of$37.7M exceeded net income of$36.3M , so the recovery was accompanied by near-one-for-one cash generation rather than resting only in accounting profit.
Liabilities were
Capital expenditures were just
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Kearny Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Kearny Financial Corporation earned a return on assets of 0.5% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is up from 0.3% the prior year. Earnings ranks banks on that return over three years, and Kearny Financial Corporation scores 10/100 among other banks.
Kearny Financial Corporation reported revenue of $178.1M in fiscal year 2026, against $154.0M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Kearny Financial Corporation scores 68/100 among other banks.
Kearny Financial Corporation funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2026, holding $766.7M of equity against $7.7B of assets. Capital ranks banks on that cushion, and Kearny Financial Corporation scores 33/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Kearny Financial Corporation scores 8/100 on it among other banks.
Not available for Kearny Financial Corporation, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Kearny Financial Corporation reported net income of $36.3M in fiscal year 2026, against $26.1M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Kearny Financial Corporation scores 5/100 among other banks.
Kearny Financial Corporation passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Kearny Financial Corporation generated $45.7M in revenue in Q4 2026. This represents an increase of 11.9% from the same quarter a year earlier. Against the prior quarter it is up 0.8%.
Kearny Financial Corporation reported $7.2M in net income in Q4 2026. This represents an increase of 6.0% from the same quarter a year earlier. Against the prior quarter it is down 29.2%.
Kearny Financial Corporation earned $0.11 per diluted share (EPS) in Q4 2026. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 31.3%.
Not reported for Q4 2026.
Cash & Balance Sheet
Kearny Financial Corporation held $114.8M in cash as of Q4 2026; no long-term debt figure is on record for that period.
Kearny Financial Corporation paid $0.11 per share in dividends in Q4 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q4 2026.
Margins & Returns
Kearny Financial Corporation's net profit margin was 15.7% in Q4 2026, showing the share of revenue converted to profit. This is down 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 6.7 percentage points.
Kearny Financial Corporation's quarterly ROE was 0.9% in Q4 2026: one quarter's net income over shareholder equity, not annualized. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.
Not reported for Q4 2026.
Not reported for Q4 2026.
Capital Allocation
None of these metrics is reported for Q4 2026.
KRNY Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $45.7M+11.9% | $45.3M+17.4% | $43.5M+16.2% | $43.6M+17.5% | $40.8M+4.5% | $38.6M+0.2% | $37.5M+89.1% | $37.1M-14.1% |
| Interest Expense | $41.6M-6.6% | $39.9M-11.8% | $42.7M-12.7% | $44.8M-11.8% | $44.6M-10.4% | $45.3M-5.2% | $48.9M+4.5% | $50.8M+20.9% |
| Income Tax | $3.8M+176.9% | $2.5M+108.6% | $2.3M+86.5% | $2.5M+126.6% | $1.4Mn/m | $1.2M-30.1% | $1.3M-29.8% | $1.1M-67.2% |
| Net Income | $7.2M+6.0% | $10.1M+52.5% | $9.4M+43.9% | $9.5M+56.0% | $6.8Mn/m | $6.6M-10.1% | $6.6Mn/m | $6.1M-38.1% |
| EPS (Basic) | $0.12+9.1% | $0.16+45.5% | $0.15+36.4% | $0.15+50.0% | $0.11n/m | $0.11-8.3% | $0.11n/m | $0.10-37.5% |
| EPS (Diluted) | $0.110.0% | $0.16+45.5% | $0.15+50.0% | $0.15+50.0% | $0.11n/m | $0.11-8.3% | $0.10n/m | $0.10-37.5% |
| Diluted Shares (Avg) | N/A | 63M+0.9% | 63M+0.7% | 63M+0.9% | N/A | 63M+0.8% | 63M+0.5% | 62M-1.0% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
KRNY Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.7B-0.8% | $7.6B-1.6% | $7.6B-1.4% | $7.6B-1.6% | $7.7B+0.7% | $7.7B-1.4% | $7.7B-2.1% | $7.8B-2.5% |
| Cash & Equivalents | $114.8M-31.4% | $123.8M-1.8% | $147.3M+4.1% | $130.1M-16.3% | $167.3M+161.9% | $126.1M+77.5% | $141.6M+91.7% | $155.6M+171.9% |
| Goodwill | $113.5M0.0% | $113.5M0.0% | $113.5M0.0% | $113.5M0.0% | $113.5M0.0% | $113.5M-46.2% | $113.5M-46.2% | $113.5M-46.2% |
| Total Liabilities | $6.9B-1.1% | $6.8B-2.0% | $6.9B-1.8% | $6.9B-1.8% | $7.0B+0.9% | $7.0B-0.1% | $7.0B-0.9% | $7.0B-1.5% |
| Total Equity | $766.7M+2.8% | $763.0M+2.0% | $757.4M+1.7% | $753.2M+0.2% | $746.0M-1.0% | $748.1M-11.9% | $744.9M-12.2% | $751.5M-11.5% |
| Retained Earnings | $350.0M+2.4% | $349.9M+2.3% | $346.7M+1.3% | $344.3M+0.5% | $341.7M-0.5% | $341.9M-22.3% | $342.2M-22.2% | $342.5M-25.6% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
KRNY Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.0M+73.0% | $7.9M-52.8% | $14.3Mn/m | $1.5M-40.8% | $8.1M+11.4% | $16.8M-4.4% | -$2.7M-138.7% | $2.5M-79.3% |
| Stock-Based Compensation | N/A | N/A | N/A | $847K+24.6% | N/A | N/A | N/A | $680K-47.0% |
| Investing Cash Flow | -$85.9M-383.5% | -$7.9Mn/m | $42.4M+168.8% | $62.3M+353.8% | $30.3M-45.8% | -$18.7M-145.0% | $15.8M-83.6% | $13.7M-78.8% |
| Financing Cash Flow | $62.9M+2143.8% | -$23.5Mn/m | -$39.5Mn/m | -$100.9M-233.7% | $2.8Mn/m | -$13.6Mn/m | -$27.1Mn/m | $75.5Mn/m |
| Dividends Paid | $6.9M+0.5% | $6.9M+0.6% | $6.9M+0.6% | $7.1M+1.2% | $6.9M+0.6% | $6.9M-0.2% | $6.9M+0.6% | $7.0M0.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization, Capital Expenditures, Free Cash Flow, Share Buybacks.
KRNY Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2610-K | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.7%-0.9pp | 22.4%+5.1pp | 21.7%+4.2pp | 21.8%+5.4pp | 16.6% | 17.2%-2.0pp | 17.5%+87.3pp | 16.4%-6.4pp |
| Return on Equity | 0.9%0.0pp | 1.3%+0.4pp | 1.3%+0.4pp | 1.3%+0.5pp | 0.9%+12.9pp | 0.9%0.0pp | 0.9%+2.5pp | 0.8%-0.3pp |
| Return on Assets | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%0.0pp | 0.1%+1.3pp | 0.1%0.0pp | 0.1%+0.3pp | 0.1%0.0pp |
| Liabilities-to-Equity | 9.02-0.4x | 8.97-0.4x | 9.06-0.3x | 9.15-0.2x | 9.38+0.2x | 9.34+1.1x | 9.38+1.1x | 9.34+1.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.000.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Kearny Financial Corporation KRNY | FY2026 | $178.1M | $36.3M | 20.4% | $588.8M | 25/100 |
| Greene County Bancorp Inc GCBC | FY2026 | $92.6M | $41.0M | 44.3% | $623.0M | 66/100 |
| Southern First Bancshares, Inc. SFST | FY2025 | $118.1M | $30.4M | 25.7% | $583.2M | 41/100 |
| Carter Bankshares, Inc. CARE | FY2025 | $153.2M | $31.4M | 20.5% | $646.4M | 34/100 |
| Civista Bancshares, Inc. CIVB | FY2025 | $172.6M | $46.2M | 26.8% | $596.7M | 57/100 |
| Bankwell Financial Group Inc BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $584.1M | 42/100 |
Where Kearny Financial Corporation Ranks
Frequently Asked Questions
Kearny Financial Corporation (KRNY) reported $178.1M in total revenue for fiscal year 2026. This represents a 15.7% 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.
Kearny Financial Corporation (KRNY) revenue grew by 15.7% year-over-year, from $154.0M to $178.1M in fiscal year 2026.
Yes, Kearny Financial Corporation (KRNY) reported a net income of $36.3M in fiscal year 2026, with a net profit margin of 20.4%.
Kearny Financial Corporation (KRNY) had a net profit margin of 20.4% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Yes, Kearny Financial Corporation (KRNY) paid $0.44 per share in dividends during fiscal year 2026.
Kearny Financial Corporation (KRNY) has a return on equity of 4.7% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
Kearny Financial Corporation (KRNY) generated $35.3M in free cash flow during fiscal year 2026. This represents a 64.9% 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.
Kearny Financial Corporation (KRNY) generated $37.7M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
Kearny Financial Corporation (KRNY) had $7.7B in total assets as of fiscal year 2026, including both current and long-term assets.
Kearny Financial Corporation (KRNY) invested $2.5M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
Kearny Financial Corporation (KRNY) had a liabilities-to-equity ratio of 9.02 as of fiscal year 2026, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2026, because the filing data we hold for that year carries no long-term debt figure.
Kearny Financial Corporation (KRNY) had a return on assets of 0.5% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
Kearny Financial Corporation (KRNY) trades at 16.2x earnings, its market capitalization divided by $36.3M net income, FY2026. The market capitalization is $588.8M as of Nov 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Kearny Financial Corporation (KRNY) trades at 3.3x sales, its market capitalization divided by $178.1M revenue, FY2026. The market capitalization is $588.8M as of Nov 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Kearny Financial Corporation (KRNY) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Kearny Financial Corporation (KRNY) scores 25 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Kearny Financial Corporation it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.