Kearny Financial Corp.(KRNY)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Kearny Financial Corp. (KRNY) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores KRNY at 54.5/100 on a 32-signal composite quality model, placing it at rank #1,326 of 2,962 stocks — the top half of the AI-ranked universe. KRNY scores in the top quartile across profitability (84.8). Areas of concern include revenue scale (21.8) and earnings quality (27.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 39.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Kearny Financial Corp. reports quarterly revenue of $45.3M, net income of $10.1M, an operating margin of 27.9%. Top institutional holders of KRNY by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, T. Rowe Price Investment Management, based on the most recent SEC filings. KRNY trades on the Nasdaq exchange and files with the SEC under CIK 1617242. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate KRNY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Kearny Financial Corp. directly from SEC EDGAR.
AI Quality Score
54.5/100
AI Rank
#1,326
Revenue
$45.3M
Net Income
$10.1M
Operating Margin
27.9%
KRNY key financials by period
Kearny Financial Corp. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$154.0M
$26.1M
20.1%
FY 2024
10-K
$140.6M
$-86.7M
-57.5%
FY 2023
10-K
$178.6M
$40.8M
29.3%
FY 2022
10-K
$210.5M
$67.5M
43.9%
FY 2021
10-K
$209.3M
$63.2M
40.4%
FY 2020
10-K
$169.1M
$45.0M
33.9%
Institutions holding KRNY
Institutional investors reporting a position in Kearny Financial Corp. on SEC Form 13F.
AI-extracted from the 10-K filed 2026-08-21 — FY2026 (year ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $36.3M (+39% YoY) driven by $20.3M increase in net interest income to $155.3M despite flat interest revenue, as deposit and borrowing costs declined.
Biggest Revenue Drivers
Net Interest Income$155.3M+15.0% YoY
Decreased interest expense of $20.5M on borrowings and deposits, partially offset by slight decrease in interest income, as Fed rate cuts reduced funding costs faster than asset yields declined.
Biggest Revenue Drivers
Net Interest Income$155.3M+15.0% YoY
Decreased interest expense of $20.5M on borrowings and deposits, partially offset by slight decrease in interest income, as Fed rate cuts reduced funding costs faster than asset yields declined.
Largest Expense Items
Salaries and Employee Benefits$76.7M+8.3% YoY
Increased by $5.9M due to annual merit increases, higher incentive compensation, $950K severance charges, and prior year absence of $427K stock-based comp reduction.
Total Interest Expense$169.0M-10.8% YoY
Decreased $20.5M primarily from lower FHLB advance rates and reduced deposit costs, as institution repriced down deposit products.
Non-Occupancy Expense$12.3M+6.9% YoY
Increased $796K due to $250K branch consolidation expense, $102K branch maintenance, and $223K higher snow removal costs.
Equipment and Systems Expense$15.8M+0.7% YoY
Slight increase reflecting ongoing digital banking technology investments.
Margins: Net interest margin improved 30 basis points to 2.18% from 1.88%, reflecting higher loan yields and lower deposit and borrowing costs. The improvement was offset partially by lower securities yields and smaller securities portfolio balance as rates fell.
Watch Items from the Filing
Commercial real estate concentration: Non-owner-occupied CRE loans equal 515% of Tier 1 capital at June 30, 2026, significantly above 300% supervisory guidance threshold, though portfolio has declined over past 36 months.
Nonperforming assets increased to $53.4M (0.70% of assets) from $45.6M, driven by two foreclosed properties ($5.5M) and rise in nonperforming multi-family loans amid industry stress.
Uninsured deposits (excluding collateralized public funds) totaled $851.0M (14.9% of deposits), up from $813.8M (14.3%), indicating increased funding concentration risk.
Multi-family mortgage loans represent 42.5% of portfolio ($2.50B); rent regulation in NY/NJ and potential policy changes pose collateral value and cash flow risk.
Loan repricing risk: Significant portion of portfolio originated in 2021-2022 at below-market rates; maturity and repricing in fiscal 2027 may stress borrower cash flows and increase delinquencies.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
