# Kearny Financial Corp (KRNY) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $9.29, market value $587 million.

## Valuation
- **P/E (trailing): 16.0×** (5-yr avg 12.4×, 3-yr avg 15.5×). Kearny Financial Corp trades at 16.0× trailing earnings, well above its own five-year average of 12.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.27**. A PEG of 0.27 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 227.5×**. Each dollar of revenue is priced at 227.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 6.2%**. The inverse of the P/E: 6.2% of the price is earned each year.

## Profitability
- **Return on equity: 4.7%**. 4.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 35.7%** (3-yr -3.3%/yr, 5-yr -5.8%/yr). Earnings per share rose 35.7%.
- **Free-cash-flow growth (3 yr): -19.7%/yr**. Free cash flow has compounded at -19.7% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Cash and short-term investments: $115 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.73%** ($0.44 per share, trailing). Kearny Financial Corp yields 4.73%, an income-level yield.
- **Payout ratio: 77%**. 77% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 6**. 6 straight years of increases.
- **Dividend growth (5 yr): 6.6%/yr** (1-yr 0.0%). The dividend has grown 6.6% a year over five years.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover Kearny Financial Corp; the consensus is buy, with an average price target of $10.50 (+13% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 53.1%** (YTD 29.8%, 3-mo -3.5%). The shares are up 53.1% over twelve months including dividends.
- **From 52-week high: -9.3%** (49.1% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 0.53** (volatility 26%). Beta of 0.53 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=KRNY · Page: https://foliofundamentals.com/stocks/krny

Not investment advice.