KRNY

MKT CAP:$491M

Kearny Financial Corp.

Market Cap

$491M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$8.05+$0.70 (+9.52%)

Apr 23, 2026

Company Details

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-bearin...

CEO

Craig L. Montanaro

IPO Date

Feb 24, 2005

Website

www.kearnybank.com

Key Metrics TTM

Revenue

$273M

-21.3% YoY

Net Income

$36M

EPS (Diluted)

$0.62

Free Cash Flow

$40M

Revenue / Share

$4.32

Gross Margin

46.0%

Operating Margin

16.3%

Net Margin

13.1%

FCF Margin

14.6%

P/S

1.8x

P/E

13.7x

Earnings Reports

Q3 2026

Apr 23, 2026

NEW

$13M-84.5%EPS $0.21

Q2 2026

Feb 5, 2026

$86M-0.2%EPS $0.15

Q1 2026

Nov 5, 2025

$88M+0.5%EPS $0.15

FY 2025

Aug 21, 2025

$344M+5.1%EPS $0.42

Q4 2025

Aug 21, 2025

$85M-3.8%EPS $0.11

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 22	$61M	$49M	$16M
Q1 23	$70M	$54M	$22M
Q2 23	$64M	$35M	$2M
Q3 23	$79M	$44M	$13M
Q4 23	$83M	$44M	$15M
Q1 24	$85M	$43M	$13M
Q2 24	$67M	$18M	-$12M
Q3 24	$86M	$38M	$9M
Q4 24	$89M	$36M	-$91M
Q1 25	$88M	$37M	$7M
Q2 25	$86M	$37M	$8M
Q3 25	$84M	$38M	$8M
Q4 25	$85M	$39M	$8M
Q1 26	$88M	$44M	$12M
Q2 26	$86M	$43M	$12M
Q3 26	$13M	$0	$13M

Valuation

Quarter	P/S	P/E
Q4 22	2.0x	7.3x
Q1 23	2.0x	7.6x
Q2 23	1.9x	10.3x
Q3 23	1.8x	12.2x
Q4 23	1.7x	12.0x
Q1 24	1.6x	14.4x
Q2 24	1.6x	26.8x
Q3 24	1.5x	31.8x
Q4 24	1.5x	—
Q1 25	1.5x	—
Q2 25	1.4x	—
Q3 25	1.4x	—
Q4 25	1.4x	18.8x
Q1 26	1.4x	16.6x
Q2 26	1.4x	15.2x
Q3 26	1.8x	13.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 22	$31M	$30M
Q4 22	$24M	$23M
Q1 23	$21M	$20M
Q2 23	$15M	$16M
Q3 23	$22M	$21M
Q4 23	$12M	$12M
Q1 24	$12M	$12M
Q2 24	$7M	$7M
Q3 24	$18M	$17M
Q4 24	$7M	$6M
Q1 25	$3M	$1M
Q2 25	-$3M	-$4M
Q3 25	$17M	$17M
Q4 25	$8M	$7M
Q1 26	$2M	$1M
Q2 26	$14M	$15M

Capital Expenditures

Quarter	CapEx
Q3 22	$1M
Q4 22	$1M
Q1 23	$885.0K
Q2 23	$217.0K
Q3 23	$587.0K
Q4 23	$100.0K
Q1 24	$0
Q2 24	$34.0K
Q3 24	$289.0K
Q4 24	$1M
Q1 25	$1M
Q2 25	$1M
Q3 25	$145.0K
Q4 25	$786.0K
Q1 26	$367.0K
Q2 26	$367.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 22	+0.3%	+28.4%
Q1 23	+15.3%	+42.7%
Q2 23	+6.5%	+79.8%
Q3 23	+36.4%	+95.4%
Q4 23	+35.8%	+48.4%
Q1 24	+21.1%	+48.4%
Q2 24	+4.1%	+26.9%
Q3 24	+9.5%	+17.6%
Q4 24	+6.5%	+164.5%
Q1 25	+3.2%	+12.0%
Q2 25	+29.6%	-0.1%
Q3 25	-2.8%	-1.5%
Q4 25	-3.8%	-57.0%
Q1 26	+0.5%	-5.3%
Q2 26	-0.2%	-5.2%
Q3 26	-84.5%	-99.5%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 22	$1M	2.3%
Q4 22	$1M	2.1%
Q1 23	$1M	1.9%
Q2 23	$1M	2.1%
Q3 23	$1M	1.6%
Q4 23	$902.0K	1.1%
Q1 24	$1M	1.5%
Q2 24	$1M	1.9%
Q3 24	$447.0K	0.5%
Q4 24	$993.0K	1.1%
Q1 25	$680.0K	0.8%
Q2 25	$1M	1.2%
Q3 25	$525.0K	0.6%
Q4 25	$915.0K	1.1%
Q1 26	$847.0K	1.0%
Q2 26	$956.0K	1.1%

OpEx Breakdown

Quarter	G&A	S&M
Q4 22	$21M	$703.0K
Q1 23	$22M	$747.0K
Q2 23	$21M	$731.0K
Q3 23	$20M	$413.0K
Q4 23	$19M	$231.0K
Q1 24	$20M	$228.0K
Q2 24	$19M	$301.0K
Q3 24	$19M	$387.0K
Q4 24	$19M	$480.0K
Q1 25	$19M	$342.0K
Q2 25	$19M	$311.0K
Q3 25	$19M	$609.0K
Q4 25	$20M	$615.0K
Q1 26	$20M	$562.0K
Q2 26	$25M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q4 22	$102M	$1.3B	$1.4B
Q1 23	$96M	$1.3B	$1.4B
Q2 23	$76M	$1.3B	$1.4B
Q3 23	$195M	$1.3B	$1.5B
Q4 23	$71M	$1.2B	$1.3B
Q1 24	$57M	$1.2B	$1.3B
Q2 24	$74M	$1.1B	$1.2B
Q3 24	$71M	$1.1B	$1.2B
Q4 24	$64M	$1.1B	$1.1B
Q1 25	$156M	$1.1B	$1.2B
Q2 25	$142M	$1.0B	$1.2B
Q3 25	$126M	$1.0B	$1.1B
Q4 25	$167M	$1.0B	$1.2B
Q1 26	$130M	$1.0B	$1.1B
Q2 26	$147M	$1.0B	$1.1B
Q3 26	$124M	$983M	$1.1B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 22	67M	-3.6%	-13.4%
Q1 23	66M	-2.3%	-11.8%
Q2 23	65M	-1.1%	-9.7%
Q3 23	65M	-0.4%	-7.2%
Q4 23	64M	-1.7%	-5.4%
Q1 24	63M	-1.0%	-4.1%
Q2 24	62M	-1.2%	-4.2%
Q3 24	62M	-0.1%	-4.0%
Q4 24	62M	+0.1%	-2.2%
Q1 25	62M	+0.3%	-1.0%
Q2 25	63M	+0.3%	+0.5%
Q3 25	63M	+0.1%	+0.8%
Q4 25	63M	+0.1%	+0.8%
Q1 26	63M	+0.3%	+0.9%
Q2 26	63M	+0.2%	+0.7%
Q3 26	63M	+0.3%	+0.9%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 22	$103.0K	596
Q1 23	$118.0K	596
Q2 23	$107.3K	596
Q3 23	$132.2K	596
Q4 23	$149.9K	556
Q1 24	$153.2K	556
Q2 24	$119.8K	556
Q3 24	$155.2K	556
Q4 24	$160.9K	552
Q1 25	$159.2K	552
Q2 25	$156.4K	552
Q3 25	$152.0K	552
Q4 25	$169.4K	504
Q1 26	$175.3K	504
Q2 26	$171.1K	504
Q3 26	$25.9K	504

Revenue / Employee