Kearny Financial Corp/MD (KRNY)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$10.13+0.70%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · KRNY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue expanding net interest margin through loan portfolio repricing, deposit mix optimization, and operational efficiency.
Stated as a priority in 4 of last 4 quarters. Net interest margin expanded from approximately 1.88% in 2025-Q4 to 2.18% in 2026-Q4, with six consecutive quarters of margin improvement including a 7 basis point increase in 2026-Q3. Management's statements and financial data show delivering on sustained margin expansion.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Net interest margin increased by 30 basis points to 2.18% for the year ended June 30, 2026.”
“Net interest margin expanded by seven basis points to 2.21%, sixth consecutive quarter of improvement.”
“Net interest margin increased by seven basis points to 2.21% for the quarter ended March 31, 2026.”
“Net interest margin expanded 30 basis points to 2.18% for fiscal 2026, extending momentum.”
Continue paying a quarterly cash dividend of $0.11 per share to shareholders as part of capital allocation strategy.
Stated as a priority in 4 of last 4 quarters. The Company consistently declared and paid a quarterly cash dividend of $0.11 per share from 2026-Q1 through 2026-Q4. Dividend payout ratio varied but the dividend amount remained stable, indicating management is maintaining this capital allocation commitment.
“Board declared quarterly cash dividend of $0.11 per share payable August 26, 2026.”
“Board declared quarterly cash dividend of $0.11 per share payable May 20, 2026.”
“Board declared quarterly cash dividend of $0.11 per share payable February 2026.”
“Board declared quarterly cash dividend of $0.11 per share payable November 2025.”
Focus on growing net income through strategic loan portfolio growth, margin expansion, and operational improvements.
Stated as a priority in 4 of last 4 quarters. Fiscal 2026 net income grew 39% to $36.3 million from $26.1 million in fiscal 2025, demonstrating strong annual growth. However, quarterly net income declined from $10.1 million in 2026-Q3 to $7.2 million in 2026-Q4, reflecting some short-term volatility. Overall, management is delivering consistent net income growth on an annual basis.
“Net income for fiscal year ended June 30, 2026 was $36.3 million, a 39% increase over prior year.”
“Net income for quarter ended March 31, 2026 was $10.1 million, up from $9.4 million prior quarter.”
“Net income for quarter ended December 31, 2025 was $9.4 million, up from $6.6 million prior year quarter.”
“Net income for quarter ended September 30, 2025 was $9.5 million, or $0.15 per diluted share.”
Grow commercial, construction, and home equity loans while reducing multifamily mortgage exposure to diversify loan portfolio.
Stated as a priority in 3 of last 4 quarters. Management reported significant growth in commercial and industrial loans (61.4%), construction loans (48.1%), and home equity loans (57.4%) in fiscal 2026, while strategically reducing multifamily mortgage exposure. The trajectory shows delivering on loan portfolio diversification.
“Commercial and industrial, construction, and home equity loans grew 61.4%, 48.1%, and 57.4%, respectively.”
“Loan portfolio diversification advanced by growing commercial business, construction, and home equity loans.”
“Continued advancing loan portfolio diversification by growing commercial business, construction, and home equity loans.”
Drive operational excellence and scalable growth through process improvement, automation, and client experience enhancements with The Lab Consulting.
Stated as a priority in 2 of last 4 quarters. Management has highlighted the ongoing partnership with The Lab Consulting to enhance operational efficiency through process improvements and automation. While early momentum is reported, financial data does not yet show quantifiable cost reductions or efficiency gains, indicating limited substantive delivery so far.
“Partnership with The Lab Consulting supports process improvement and operational efficiency initiatives.”
“Engaged The Lab Consulting to support process improvement and operational efficiency initiatives.”
Over the trailing year it converted 0.75x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
10 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.