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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -2.0% |
| Our one-year growth estimate | diamond | -19.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 17.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
KRNY — earnings miss
Dated 2026-07-23
Results of Operation and Financial Condition On July 23, 2026, Kearny Financial Corp. (the “Company”), the holding company for Kearny Bank, issued a press release reporting its financial results for the period ended June 30, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in a…
Why it matters: The dividend shows the company is stable. It also shows they care about shareholders.
Supportive ifThe company declares a quarterly cash dividend of $0.11 per share.
Worry ifThe company cut the dividend below $0.11 per share. This may mean financial trouble.
Why it matters: Strong net income growth shows a good strategy and financial health.
Supportive ifQ3 net income growth exceeds 39% year over year.
Worry ifQ3 net income growth is below 39% year over year.
Why it matters: Diversifying loans lowers risk and boosts growth in different loan areas.
Supportive ifLoan growth in commercial and construction loans exceeds 18% YoY.
Worry ifLoan growth in commercial and construction loans is below 10% YoY. This shows a slowdown.
Why it matters: A drop in sector revenue growth could signal broader economic issues. It may impact Kearny's performance.
Worry ifSector revenue growth falls below its median of 15% year over year.
Less concerning ifSector revenue growth remains above its median of 15% year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$97 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $259 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,449 loss on $10,000 · 14.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Keeping the net interest margin helps earnings grow. It shows good management.
Supportive ifIn Q3, the net interest margin was above 2.21%. This shows margins are growing.
Worry ifIn Q3, the net interest margin fell below 2.21%. This suggests margins may be shrinking.
Why it matters: Growth in commercial loans helps the bank's strategy. It boosts revenue potential.
Supportive ifCommercial loans grow more than 18.5% year over year in Q3.
Worry ifCommercial loans grow less than 18.5% year over year, indicating slower growth in this segment.
Why it matters: Growing margins show good management. This helps the company make more money.
Supportive ifNet interest margin increases to 2.30% or higher in Q3 2026.
Worry ifNet interest margin falls below 2.20% in Q3 2026.
Why it matters: Consistent net income growth shows the company is executing its strategic plan well. It reflects overall financial health.
Supportive ifNet income for Q3 2026 exceeds $7.5 million.
Worry ifNet income for Q3 2026 falls below $7.0 million.
Why it matters: Kearny's profit depends on steady growth in net interest margin. This shows how well the bank handles interest income.
Supportive ifNet interest margin increases by more than 5 basis points in the next quarter.
Worry ifNet interest margin declines or stays flat in the next quarter.
Why it matters: Stable or growing net income indicates Kearny's ability to manage costs and drive growth. This is crucial for investor confidence.
Supportive ifQuarterly net income exceeds $10 million in the next earnings report.
Worry ifQuarterly net income falls below $7 million in the next earnings report.
Why it matters: Improving loan diversification helps lower risk. It also boosts growth in various sectors.
Supportive ifGrowth in commercial and industrial loans exceeds 20% in the next quarter.
Worry ifGrowth in commercial and industrial loans falls below 10% in the next quarter.