KRNY
Financial ServicesKearny Financial Corp. · Banks - Regional · $520M
What is Kearny Financial Corp.?
Kearny Financial Corp. is the holding company for Kearny Bank, a community-focused institution serving customers across northern and central New Jersey and the New York boroughs of Brooklyn and Staten Island. The bank traces its roots to 1884.
Kearny Bank generates revenue primarily through traditional banking activities — accepting deposits and extending credit. The loan portfolio centers on multi-family and commercial real estate mortgages, residential home loans, and commercial lending. Deposit products range from checking and savings accounts to certificates of deposit. The company also maintains an investment portfolio as a supplementary income source.
Kearny Financial Corp. was incorporated in 2005 and is headquartered in Fairfield, New Jersey.
- Checking, savings, and money market deposit accounts
- Multi-family and commercial real estate mortgage loans
- Residential home purchase and home equity loans
- Commercial term loans and lines of credit
Is KRNY a Good Stock to Buy?
UQS Score rates KRNY as Below Average overall, reflecting meaningful headwinds across several key quality dimensions.
Valuation stands out as the relative bright spot in KRNY's profile, rated Good — suggesting the stock may not be pricing in excessive optimism. Quality and Growth both land at Neutral, indicating neither a clear drag nor a standout advantage in those areas.
Moat and Risk are both rated Weak, pointing to limited competitive differentiation and above-average vulnerability — concerns worth weighing carefully for any community bank investment.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does KRNY pay dividends?
Yes — Kearny Financial Corp. pays a dividend.
Kearny Financial pays a regular dividend, consistent with many community banks that return capital to shareholders through periodic cash distributions. For income-oriented investors, this cadence can be appealing, though the sustainability of any dividend ultimately depends on the bank's ongoing earnings and capital position.
When does KRNY report earnings?
Kearny Financial reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
As a community bank, KRNY's quarterly results tend to reflect trends in net interest income, loan growth, and credit quality across its New Jersey and New York footprint. Neutral Growth and Quality pillar ratings suggest performance has been neither notably strong nor sharply deteriorating in recent periods.
For the most recent quarter's results and guidance, visit Kearny Financial's investor relations page directly.
KRNY Price History
-21.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Kearny Financial Corp.?
Based on Kearny Financial Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
KRNY Long-term Outlook
The Growth pillar rating of Neutral suggests Kearny Financial is not expected to deliver outsized expansion in the near term, consistent with the measured pace typical of smaller community banks in mature markets. The Weak Risk rating introduces uncertainty around credit quality and interest rate sensitivity — factors that can meaningfully affect earnings in a shifting rate environment. A Good Valuation rating may offer some downside cushion, but the Weak Moat limits confidence in durable long-term outperformance.
Growth drivers
- Loan portfolio expansion in the New Jersey and New York metro market
- Potential benefit from stabilizing interest rate conditions on net interest margins
- Deposit gathering through its established 48-branch network
Key risks
- Weak competitive moat relative to larger regional and national banks
- Credit quality exposure in commercial real estate and multi-family lending
- Interest rate sensitivity affecting net interest income
KRNY vs Peers
Kearny Financial operates in a crowded community banking landscape alongside several similarly sized regional peers.
Civista operates primarily in Ohio and focuses on commercial banking relationships, giving it a different geographic and business-mix profile than KRNY's metro New York and New Jersey footprint.
Midland States has a broader product mix that includes wealth management and equipment financing, differentiating it from Kearny's more traditional deposit-and-mortgage model.
Home Bancorp serves Louisiana and Texas markets, offering a distinct regional exposure compared to KRNY's concentration in the densely competitive Northeast.
Frequently Asked Questions
What does Kearny Financial do?
Kearny Financial is the holding company for Kearny Bank, which provides traditional banking services — deposit accounts, residential and commercial real estate loans, and commercial credit — to customers across northern and central New Jersey and parts of New York. The bank operates approximately 48 branch offices.
Does KRNY pay dividends?
Yes, Kearny Financial pays a regular dividend. This is consistent with many community bank holding companies that distribute a portion of earnings to shareholders on a periodic basis. Investors should monitor the company's earnings and capital ratios to assess dividend sustainability over time.
When does KRNY report earnings?
Kearny Financial reports on a quarterly cadence, as is standard for US-listed bank holding companies. For specific release dates and the most recent results, check the investor relations section of the company's official website.
Is KRNY a good stock to buy?
UQS Score rates KRNY as Below Average overall. While Valuation is rated Good and Quality and Growth are Neutral, the Weak Moat and Weak Risk ratings introduce meaningful concerns. Whether KRNY fits a portfolio depends on individual risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is KRNY overvalued?
The UQS Valuation pillar for KRNY is rated Good, suggesting the stock does not appear to be priced at a significant premium relative to its fundamentals. That said, valuation alone does not determine investment merit — the Weak Moat and Risk ratings are important context.
How does KRNY compare to its competitors?
Compared to peers like Civista Bancshares, Midland States Bancorp, and Home Bancorp, KRNY is a geographically concentrated community bank focused on the Northeast. Its UQS profile — particularly the Weak Moat — suggests limited differentiation versus similarly sized regional banks. The full comparative analysis is available to Pro members.
What is KRNY's market cap bracket?
Kearny Financial is classified as a small-cap company. This places it in a segment of the market that can offer different risk and liquidity characteristics compared to larger regional or national bank holding companies.
Who founded Kearny Financial?
Kearny Bank, the operating subsidiary, traces its origins to 1884, making it one of the longer-standing community banking institutions in New Jersey. Kearny Financial Corp. as a holding company entity was established in 2005. Detailed founding history is available through the company's public disclosures.
Is KRNY a long-term quality investment?
As a long-term quality indicator, KRNY's Below Average UQS Score — driven by Weak Moat and Weak Risk ratings — suggests limited structural advantages that would support durable outperformance over time. Neutral Quality and Growth ratings indicate a stable but undifferentiated business. Pro members can access the full pillar detail to form their own view.
What sector does KRNY belong to?
Kearny Financial operates in the Financial Services sector, specifically as a community bank holding company. Community banks in this sector are generally sensitive to interest rate cycles, local economic conditions, and credit quality trends in their lending portfolios.
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Pro Analysis
KRNY — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 41.3 | 43.0 | 15.0 | 44.1 | 49.4 | 70.7 | -0.9 |
| May 14, 2026 | 42.2 | 45.5 | 15.0 | 44.1 | 49.4 | 72.0 | +12.1 |
| May 10, 2026 | 30.1 | 11.3 | 15.0 | 44.1 | 0.0 | 98.0 | -0.1 |
| May 8, 2026 | 30.2 | 11.3 | 15.0 | 44.1 | 0.0 | 98.5 | -4.7 |
| May 7, 2026 | 34.9 | 46.4 | 15.0 | 44.1 | 0.0 | 71.3 | +0.1 |
| May 3, 2026 | 34.8 | 46.4 | 15.0 | 44.1 | 0.0 | 71.2 | -0.3 |
| May 2, 2026 | 35.1 | 46.4 | 15.0 | 44.1 | 0.0 | 72.8 | +0.1 |
| Apr 26, 2026 | 35.0 | 46.4 | 15.0 | 44.1 | 0.0 | 72.4 | +0.2 |
| Apr 25, 2026 | 34.8 | 46.4 | 15.0 | 44.1 | 0.0 | 70.7 | -0.2 |
| Apr 22, 2026 | 35.0 | 46.4 | 15.0 | 44.1 | 0.0 | 72.3 | -0.1 |
KRNY — Pillar Breakdown
Quality
— 43.0/100 (25%)Kearny Financial Corp. has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 44.1/100 (20%)Kearny Financial Corp. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 49.4/100 (15%)Kearny Financial Corp. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 70.7/100 (15%)Kearny Financial Corp. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 15/100 (25%)Kearny Financial Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for KRNY.
Score Composition
Financial Data
More Stock Analysis
How is the KRNY UQS Score Calculated?
The UQS (Unified Quality Score) for Kearny Financial Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Kearny Financial Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Kearny Financial Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.