What is the 13F Pro Quality Score for KRNY?

13F Pro ranks Kearny Financial Corp. (KRNY) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View KRNY's current score at https://13fpro.ai/company/KRNY (free sign-up required for the full ranking).

Where does 13F Pro source KRNY data?

All Kearny Financial Corp. fundamentals and ownership data come directly from SEC EDGAR. Kearny Financial Corp. files with the SEC under CIK 1617242. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is KRNY in?

Kearny Financial Corp. (KRNY) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives KRNY's revenue?

Per Kearny Financial Corp.'s latest 10-K filed with the SEC on 2026-08-21, the biggest revenue drivers are: Net Interest Income ($155.3M, +15.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/KRNY.

What are KRNY's largest expenses?

Kearny Financial Corp.'s latest 10-K reports these as the largest expense items: Salaries and Employee Benefits ($76.7M, +8.3% YoY); Total Interest Expense ($169.0M, -10.8% YoY); Non-Occupancy Expense ($12.3M, +6.9% YoY). Sourced directly from SEC EDGAR filing text for FY2026 (year ended June 30, 2026).

How often is KRNY research updated on 13F Pro?

KRNY's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Kearny Financial Corp.(KRNY)Stock Analysis

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SEC EDGAR: CIK 1617242 KRNY stock profile & AI dashboard →

13F Pro Quality Score

54.5/100

Rank #1,326 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

57.0/100

Profitability

84.8/100

Balance Sheet

36.9/100

Earnings Quality

27.3/100

Free Cash Flow

70.7/100

Institutional Flow

67.1/100

Revenue Scale

21.8/100

Dilution Risk

39.8/100

Email me the moment this company reports earnings

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Why KRNY Scores 55/100

exact factor attribution · 2026-09-11

KRNY's composite is driven by profitability and free cash flow, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.0 pts

85th pct

Free cash flow

+3.1 pts

71th pct

Earnings growth

+2.7 pts

90th pct

Revenue growth

+1.9 pts

57th pct

Institutional flow

+1.1 pts

67th pct

Shareholder dilution

-0.7 pts

40th pct

Capital efficiency

-1.8 pts

37th pct

Earnings quality

-2.3 pts

27th pct

Scale

-5.6 pts

22th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in KRNY

Events flagged as statistical outliers against KRNY's own multi-year baseline — not fixed dollar thresholds.

Insider cluster2026-08-10
2 insiders bought $183,426 of KRNY in 30 days — 3.7σ above this company's 2-year norm
View source filing →

KRNY Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Kearny Financial Corp. (KRNY), 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. Kearny Financial Corp.'s 13F Pro composite quality score has ranged between 29 and 66 since 2022, currently 54.5 — an improving long-term trajectory across 13 quarterly and live scoring snapshots.

✦

Fun facts about Kearny Financial Corp.

Quirks, history, and lore behind KRNY — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · listed on Nasdaq · headquartered in New Jersey · focused on retail and commercial banking.
2
The Numbers
Total assets in the neighborhood of $7 billion — solidly mid-sized, not a giant, not a tiny credit union — with a branch network concentrated in northern New Jersey.
3
The History
Traces its roots back to a savings bank founded in the late 1800s, eventually converting to a publicly traded stock company as mutual-to-stock conversions swept the thrift industry.
4
The Secret
Like many former thrifts, it built its book on residential mortgage lending and deposit-taking before gradually broadening into commercial loans to fatten the margin.
5
The Lore
The bank has expanded through acquisitions of smaller New Jersey institutions, a classic community-bank growth playbook in one of the most densely banked states in America.
6
The Giveaway
Its ticker rhymes with the Irish county of Kerry, its name nods to Kearny, New Jersey — a town famous for soccer and Scottish immigrants — and it remains one of the Garden State's go-to neighborhood banks.

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What's Driving KRNY's Business? Latest 10-K Breakdown

AI-extracted from Kearny Financial Corp.'s 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.

Read the full 10-K on SEC EDGAR →Share on X

Revenue

Q1 2026

$45.3M

Net Income

Q1 2026

$10.1M

Operating Margin

Q1 2026

27.9%

ROIC

Q1 2026

2.8%

D/E Ratio

Q1 2026

1.39

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+9.5% YoY

$154.0MFY 2025

FY22 $210.5MFY23 $178.6MFY24 $140.6MFY25 $154.0M

Net Income

+130.1% YoY

$26.1MFY 2025

FY22 $67.5MFY23 $40.8MFY24 $-86.7MFY25 $26.1M

EPS (Diluted)

+130.2% YoY

$0.42FY 2025

FY22 $0.95FY23 $0.63FY24 $-1.39FY25 $0.42

Total Assets

+0.7% YoY

$7.74BFY 2025

FY22 $7.72BFY23 $8.06BFY24 $7.68BFY25 $7.74B

Total Debt

-26.5% YoY

$1.26BFY 2025

FY22 $901.3MFY23 $1.51BFY24 $1.71BFY25 $1.26B

Op. Cash Flow

-43.7% YoY

$24.8MFY 2025

FY22 $81.3MFY23 $69.5MFY24 $44.0MFY25 $24.8M

Free Cash Flow

-49.8% YoY

$21.4MFY 2025

FY22 $78.4MFY23 $68.2MFY24 $42.6MFY25 $21.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$154.0M +9.5%	$140.6M -21.3%	$178.6M -15.2%	$210.5M +0.6%	$209.3M +23.8%	$169.1M
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
Total Assets	$7.74B +0.7%	$7.68B -4.7%	$8.06B +4.5%	$7.72B +6.0%	$7.28B +7.8%	$6.76B
Total Debt	$1.26B -26.5%	$1.71B +13.5%	$1.51B +67.2%	$901.3M +31.4%	$685.9M -41.5%	$1.17B
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
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

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Available Research

13F Pro tracks comprehensive data for Kearny Financial Corp. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of KRNY

BlackRock, Inc.
$84.5M8,928,263 sh
DIMENSIONAL FUND ADVISORS LP
$28.3M2,993,483 sh
T. Rowe Price Investment Management, Inc.
$25.0M2,643,127 sh
VANGUARD CAPITAL MANAGEMENT LLC
$24.4M2,575,124 sh
RENAISSANCE TECHNOLOGIES LLC
$23.5M2,479,729 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$21.1M2,233,683 sh
AQR CAPITAL MANAGEMENT LLC
$20.1M2,126,241 sh
STATE STREET CORP
$17.1M1,806,315 sh
TWO SIGMA INVESTMENTS, LP
$15.8M1,668,122 sh
GEODE CAPITAL MANAGEMENT, LLC
$14.8M1,561,473 sh

Fund	Value	Shares
BlackRock, Inc.	$84.5M	8,928,263
DIMENSIONAL FUND ADVISORS LP	$28.3M	2,993,483
T. Rowe Price Investment Management, Inc.	$25.0M	2,643,127
VANGUARD CAPITAL MANAGEMENT LLC	$24.4M	2,575,124
RENAISSANCE TECHNOLOGIES LLC	$23.5M	2,479,729
ADAGE CAPITAL PARTNERS GP, L.L.C.	$21.1M	2,233,683
AQR CAPITAL MANAGEMENT LLC	$20.1M	2,126,241
STATE STREET CORP	$17.1M	1,806,315
TWO SIGMA INVESTMENTS, LP	$15.8M	1,668,122
GEODE CAPITAL MANAGEMENT, LLC	$14.8M	1,561,473

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Is KRNY a good stock to buy?

13F Pro's AI-powered analysis of Kearny Financial Corp. (KRNY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for KRNY are available on the KRNY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. KRNY is classified as a small company.

Which hedge funds own KRNY?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling KRNY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Kearny Financial Corp.'s investment landscape.