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Kearny Financial Corp. (KRNY)

Financial Services | Banks - Regional | Fairfield, United States | NasdaqGS
8.94 USD -0.12 (-1.325%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 4:36 a.m. EDT

Kearny Financial presents a classic 'value trap' scenario where the math looks attractive but the reality is fragile. The stock trades at a discount to book value, yet the business has suffered a brutal multi-year decline, dropping nearly 53% over the last nine years. While the latest year saw a tiny tick up, the underlying trajectory remains deeply broken, and the recent earnings miss confirms that the recovery is stalling. The 4.8% dividend yield is enticing, but with a payout ratio near 77% and a history of flat or shrinking payouts relative to the stock's collapse, it feels more like a desperate attempt to retain capital than a sustainable income stream. The balance sheet is under pressure with debt significantly outweighing cash, and the regional banking sector's credit risks loom large. Speculators are mostly ignoring the downside, betting on a slow creep higher, but the fundamental data suggests the market has correctly priced in a struggle to regain footing. Until the bank demonstrates sustained revenue growth and a return to profitability that matches its loan book expansion, this remains a hold, not a buy.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.018132
AutoETS0.018132
AutoTheta0.018331
MSTL0.018587

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 44%
H-stat 8.70
Ljung-Box p 0.000
Jarque-Bera p 0.414
Excess Kurtosis 0.23
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-11
Last Dividend Date 2026-08-11
Revenue per Share 2.806
Market Cap 564,769,088
Trailing P/E 15.96
Forward P/E 8.98
Beta 0.62
Profit Margins 20.56%
Website https://www.kearnybank.com

As of Oct. 10, 2026, 4:36 a.m. EDT: Options activity shows a distinct lack of protective put buying, with virtually zero open interest in out-of-the-money puts across all expirations. Call positioning is heavily skewed toward the money and slightly in-the-money strikes, suggesting speculators are positioning for a modest grind higher rather than a crash. However, the volume is extremely thin, indicating a lack of aggressive directional conviction from retail or institutional traders.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.15% 5.57% 6.32% 5.52%
Dividend History
Date Dividend Yield %
2026-08-12 0.110000 1.154250
2026-05-06 0.110000 1.354680
2026-02-04 0.110000 1.361386
2025-11-05 0.110000 1.702786
2025-08-12 0.110000 1.821192
2025-05-07 0.110000 1.757188
2025-02-12 0.110000 1.527778
2024-11-06 0.110000 1.333333
2024-08-12 0.110000 1.839465
2024-05-07 0.110000 1.967800
2024-02-06 0.110000 1.646707
2023-11-07 0.110000 1.486486
2023-08-08 0.110000 1.307967
2023-05-09 0.110000 1.569187
2023-02-07 0.110000 1.083744
2022-11-08 0.110000 1.204819
2022-08-09 0.110000 0.921273
2022-05-10 0.110000 0.940975
2022-02-08 0.110000 0.820283
2021-11-09 0.110000 0.811808
2021-08-31 0.100000 0.788022
2021-06-01 0.100000 0.762777
2021-03-02 0.090000 0.792254
2020-12-03 0.080000 0.784314
2020-09-01 0.080000 1.037613
2020-06-02 0.080000 0.954654
2020-03-03 0.080000 0.730594
2019-12-05 0.070000 0.501433
2019-09-03 0.060000 0.482315
2019-05-28 0.060000 0.443459
2019-03-05 0.060000 0.448430
2018-11-27 0.050000 0.385802
2018-10-02 0.160000 1.171303
2018-08-28 0.040000 0.294118
2018-06-05 0.040000 0.274914
2018-03-06 0.030000 0.223881
2017-12-05 0.030000 0.204360
2017-10-03 0.120000 0.786885
2017-08-28 0.030000 0.210526
2017-06-05 0.030000 0.213523
2017-02-27 0.030000 0.194805
2016-11-28 0.020000 0.131579
2016-08-29 0.020000 0.146520
2016-05-27 0.020000 0.153257
2016-03-07 0.020000 0.165837
2015-11-30 0.020000 0.158730
2015-09-10 0.020000 0.176367
2012-03-29 0.036221 0.505045
2011-12-28 0.036221 0.535900
2011-09-29 0.036221 0.561161
2011-06-29 0.036221 0.543472
2011-03-30 0.036221 0.499995
2010-12-30 0.036221 0.581389
2010-09-29 0.036221 0.557408
2010-06-30 0.036221 0.545846
2010-03-30 0.036221 0.475732
2009-12-30 0.036221 0.494555
2009-09-30 0.036221 0.479841
2009-06-30 0.036221 0.437058
2009-04-01 0.036221 0.446026
2008-12-30 0.036221 0.406831
2008-10-01 0.036221 0.422293
2008-07-01 0.036221 0.454128
2008-04-02 0.036221 0.454541
2008-01-02 0.036221 0.418056
2007-10-03 0.036221 0.381384
2007-07-03 0.036221 0.365226
2007-04-03 0.036221 0.349647
2007-01-03 0.036221 0.313476
2006-10-04 0.036221 0.324251
2006-07-05 0.036221 0.342462
2006-04-05 0.036221 0.366296
2006-01-04 0.036221 0.393387
2005-10-05 0.036221 0.414246
2005-07-14 0.028977 0.335851
Additional Data
dividendYield 4.86
exDividendDate 2026-08-12
trailingAnnualDividendRate 0.44
trailingAnnualDividendYield 0.04856512
lastDividendValue 0.11
lastDividendDate 2026-08-12
dividendDate 2026-08-26

Info Dump

Attribute Value
52 Week Change 0.37538457
Address1 120 Passaic Avenue
All Time High 16.1
All Time Low 5.28
Ask 11.35
Ask Size 2
Audit Risk 7
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 467,750
Average Daily Volume3 Month 575,314
Average Volume 575,314
Average Volume10Days 467,750
Beta 0.623
Bid 8.85
Bid Size 3
Board Risk 3
Book Value 12.173
City Fairfield
Compensation As Of Epoch Date 1,798,675,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 8.94
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 9.02
Day Low 8.85
Display Name Kearny Financial
Dividend Date 1,787,702,400
Dividend Yield 4.86
Earnings Call Timestamp End 1,792,699,200
Earnings Call Timestamp Start 1,792,699,200
Earnings Growth 0.053
Earnings Quarterly Growth 0.06
Earnings Timestamp 1,792,672,200
Earnings Timestamp End 1,792,672,200
Earnings Timestamp Start 1,792,672,200
Ebitda Margins 0.0
Enterprise To Revenue 9.058
Enterprise Value 1,597,988,096
Eps Current Year 0.78333
Eps Forward 0.995
Eps Trailing Twelve Months 0.56
Esg Populated 0
Ex Dividend Date 1,786,492,800
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 9.5646
Fifty Day Average Change -0.6246004
Fifty Day Average Change Percent -0.06530335
Fifty Two Week Change Percent 37.538456
Fifty Two Week High 10.24
Fifty Two Week High Change -1.3000002
Fifty Two Week High Change Percent -0.12695314
Fifty Two Week Low 6.23
Fifty Two Week Low Change 2.7099996
Fifty Two Week Low Change Percent 0.4349919
Fifty Two Week Range 6.23 - 10.24
Financial Currency USD
First Trade Date Milliseconds 1,109,255,400,000
Five Year Avg Dividend Yield 5.07
Float Shares 60,067,045
Forward Eps 0.995
Forward P E 8.984924
Full Exchange Name NasdaqGS
Full Time Employees 502
Fullday Change -0.12000084
Fullday Change Percent -1.3245125
Fullday Price 8.94
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 176,410,000
Has Pre Post Market Data 1
Held Percent Insiders 0.113809995
Held Percent Institutions 0.72957003
Implied Shares Outstanding 63,173,275
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,492,800
Last Dividend Value 0.11
Last Fiscal Year End 1,782,777,600
Last Split Date 1,431,648,000
Last Split Factor 13,804:10000
Long Business Summary Kearny Financial Corp. operates as the holding company for Kearny Bank that provides banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, individual retirement account, and certificates of deposit. It also provides loans, such as multifamily mortgage loans, nonresidential commercial real estate mortgage loans, commercial and industrial loans, construction loans, one-to four-family residential mortgage loans, residential mortgage loans, home equity loans, personal loans, and consumer loans; and overdraft lines of credit, as well as engages in investment activities. In addition, the company offers treasury management services, commercial deposit products, corporate banking services, wealth management services, and insurance brokerage services. It serves consumers, small and middle-market businesses, professionals, nonprofit organizations, and government entities through branch locations and digital banking channels. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.
Long Name Kearny Financial Corp.
Market us_market
Market Cap 564,769,088
Market State PRE
Max Age 86,400
Message Board Id finmb_13376023
Most Recent Quarter 1,782,777,600
Net Income To Common 36,264,000
Next Fiscal Year End 1,814,313,600
Non Diluted Market Cap 618,150,495
Number Of Analyst Opinions 3
Open 8.91
Operating Cashflow 37,735,000
Operating Margins 0.29827
Overall Risk 5
Payout Ratio 0.7719
Peg Ratio -7.92
Phone 973 244 4500
Previous Close 9.06
Price Eps Current Year 11.412813
Price Hint 2
Price To Book 0.7344122
Price To Sales Trailing12 Months 3.2014573
Profit Margins 0.20557
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.33333
Region US
Regular Market Change -0.12000084
Regular Market Change Percent -1.3245125
Regular Market Day High 9.02
Regular Market Day Low 8.85
Regular Market Day Range 8.85 - 9.02
Regular Market Open 8.91
Regular Market Previous Close 9.06
Regular Market Price 8.94
Regular Market Time 1,792,008,001
Regular Market Volume 522,799
Return On Assets 0.0047
Return On Equity 0.04795
Revenue Growth 0.149
Revenue Per Share 2.806
Sand P52 Week Change 0.16440773
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 63,173,275
Shares Percent Shares Out 0.0463
Shares Short 2,924,990
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 2,700,210
Short Name Kearny Financial
Short Percent Of Float 0.052800003
Short Ratio 5.57
Source Interval 15
State NJ
Symbol KRNY
Target High Price 11.0
Target Low Price 10.5
Target Mean Price 10.66667
Target Median Price 10.5
Total Cash 127,501,000
Total Cash Per Share 2.018
Total Debt 1,160,720,000
Total Revenue 176,410,000
Tradeable 0
Trailing Annual Dividend Rate 0.44
Trailing Annual Dividend Yield 0.04856512
Trailing Eps 0.56
Trailing P E 15.964285
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 8.541
Two Hundred Day Average Change 0.3989992
Two Hundred Day Average Change Percent 0.046715748
Type Disp Equity
Volume 522,799
Website https://www.kearnybank.com
Zip 7,004