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Kearny Financial Corp (KRNY) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$9.36 +2.63% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.39

Kearny Financial Corp (KRNY) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $592.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is KRNY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Kearny Financial Corp (NASDAQ: KRNY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $9.36 (+2.63% 1D, market cap $592.2M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, KRNY ranks #557 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does KRNY compare to PDLB and NRIM in the Financials sector?
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Within the Financials sector (Savings Institutions), KRNY carries a Roarable D+ (54/100 RQD), trailing P/E of 23.0x, gross margin of —, and ROIC of 3.4%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M) and NRIM (Northrim BanCorp Inc) posts a C grade (62/100 RQD, P/E 8.3x, ROIC 19.8%, cap $530.5M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for KRNY?
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Per KRNY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001617242), Kearny Financial Corp generated $3.20B in revenue (-1.4% YoY), $26.1M in net income, and $21.4M in free cash flow against $7.62B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $9.39 (+0.28%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C-
Cash (7)Whales (9)SEC (13)Macro (11)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
$11 Bull$9 Base$7 Bear
📬 FREE KRNY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KRNY)Realized 20D OHLCV Swing Band: ±4.6%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY KRNY SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 0% operating margin leave 13 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
46
Grade D$9.06+0% Next Q
Q2 (-2Q)
49
Grade D$9.06+2.2% Next Q
Q3 (-1Q)
51
Grade C-$9.26+1.1% Next Q
Current
54
Grade D+$9.36-0.7% Hist 90D α
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a KRNY Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While KRNY currently carries a cautious 54/100 (D+) rating due to Cash Engine Quality (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($9.43) and Max Pain ($9.83) forces dealer call-delta covering toward $10.84.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $KRNY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “KRNY Beats Next Quarter EPS Consensus (Dec 28, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How KRNY Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$21.4M (0.7% FCF Margin)
Revenue$3.20BGross Profit $1.66B (52%)Cost of Sales $1.54BOp Profit $0 (0%)OpEx (R&D/SG&A) $1.66BNet Profit$26.1M (0.8%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $264.3M
FY24
Rev $3.25B
FY25
Rev $3.20B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$3.20B52%0%$26.1M$21.4M3.4%
FY 2024$3.25B52%0%-$86.7M$42.6M3.4%
FY 2023$264.3M39.5%0%$40.8M$69.5M3.4%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring KRNY)

  • ✓Walkthrough of KRNY's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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KRNY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.44%📐 HORIZONTAL RANGE
2026-11-03O $9.23H $9.36L $9.12C $9.36VOL 410.9K
RES: $10.79SUP: $8.68SMA50: $9.43SMA200: $8.65
$10.46$9.56$8.65$7.75$6.85RES $10.79SUP $8.68$9.362026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KRNY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KRNY Butterfly Map → + Track KRNY →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
16.8%/yr Implied 5Y Growth

vs. -1.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on KRNY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KRNY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for KRNY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KRNY)

Financials Rank #557 of 1097 ⚔️ PDLB vs KRNY Full Matrix →

1. Head-to-Head Financials Peer Comparison (KRNY vs. PDLB, NRIM, FMAO, HTB)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Kearny Financial Corp (KRNY) ranks #557 by composite RQD confidence (54/100, grade D+) and #666 by equity capitalization ($592.2M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with KRNY at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
KRNY ACTIVE
Kearny Financial Corp
D+ 54/100 23.0x — 3.4% +2.63% $592.2M Benchmark Subject
PDLB
Ponce Financial Group Inc.
C+ 68/100 19.9x — 5.1% -0.22% $544.0M /pdlb-vs-krny →
NRIM
Northrim BanCorp Inc
C 62/100 8.3x — 19.8% +1.72% $530.5M /nrim-vs-krny →
FMAO
Farmers & Merchants Bancorp Inc.
C+ 68/100 15.3x — 9.0% +1.26% $501.2M /fmao-vs-krny →
HTB
HomeTrust Bancshares Inc.
C- 60/100 11.6x — 10.7% +2.46% $732.8M /htb-vs-krny →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-06-30 • CIK 0001617242 ↗

In its most recent audited fiscal period (FY2025, filed 2025-06-30), Kearny Financial Corp (KRNY) reported GAAP revenue of $3.20B (-1.4% vs. FY2024 revenue of $3.25B , and +1111.1% cumulative change since FY2023) , GAAP net income of $26.1M, operating cash flow of $24.8M, and free cash flow of $21.4M (-49.8% YoY). On the balance sheet, KRNY closed FY2025 with $7.62B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-06-30 $3.20B $26.1M $24.8M $21.4M $7.62B —
FY2024 (FY) 2024-06-30 $3.25B -$86.7M $44.0M $42.6M $7.73B —
FY2023 (FY) 2023-06-30 $264.3M $40.8M $69.5M $69.5M — —

3. KRNY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KRNY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Kearny Financial Corp (NASDAQ: KRNY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $9.36 (+2.63% 1D, market cap $592.2M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, KRNY ranks #557 in composite RQD confidence.

How does KRNY compare to PDLB and NRIM in the Financials sector?

Within the Financials sector (Savings Institutions), KRNY carries a Roarable D+ (54/100 RQD), trailing P/E of 23.0x, gross margin of —, and ROIC of 3.4%. By comparison, PDLB (Ponce Financial Group Inc.) holds a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M) and NRIM (Northrim BanCorp Inc) posts a C grade (62/100 RQD, P/E 8.3x, ROIC 19.8%, cap $530.5M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KRNY?

Per KRNY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-06-30, CIK 0001617242), Kearny Financial Corp generated $3.20B in revenue (-1.4% YoY), $26.1M in net income, and $21.4M in free cash flow against $7.62B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KRNY trading relative to its 50-day, 200-day, and 52-week technical levels?

KRNY last traded at $9.36 (+2.63% on volume of 453,602 shares), positioning the stock -0.74% below its 50-day simple moving average ($9.43) and +8.21% above its 200-day simple moving average ($8.65). Across its 52-week range of $6.23 to $10.24, KRNY sits at the 78.1% percentile with a 14-day RSI of 45.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.6% ($8.93 to $9.79).

Direct Sub-Reports: KRNY RQD Cockpit KRNY 12M Forecast KRNY Earnings & Move KRNY Dividends & DRIP KRNY Insiders & 13F KRNY Whale Options KRNY Profit Sankey KRNY News & Why
ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

KRNY — Kearny Financial Corp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-06-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Kearny Financial Corp (KRNY) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $9.36 (+2.63% 1D, market capitalization $592.2M).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 3.4%, gross margin of —, operating margin of —, and free cash flow yield of 3.57%.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Kearny Financial Corp (KRNY) is a NASDAQ-listed issuer in the Financials sector, operating in the Savings Institutions industry. Its market capitalization is $0.6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-06-30), Kearny Financial Corp (KRNY) reported $3.20B in annual revenue (up from $3.25B in FY2024, -1.4% YoY) and $26.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($264.3M revenue, $40.8M net income) through FY2025, KRNY scaled operating cash flow to $24.8M and free cash flow to $21.4M, backed by $7.62B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 54/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 3.57% and institutional whale pillar of 9/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $6.23 – $10.24 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 23.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), KRNY carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can KRNY sustain or expand its — operating margin and 3.4% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.20B and free cash flow of $21.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is KRNY's 21.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

KRNY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Kearny Financial Corp (KRNY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to KRNY Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

KRNY Bull vs. Bear Conversation Board — What's Your Call at $9.36?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON KRNY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on KRNY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $11.40 (+25.0%)
📌 Pinned Debate

Balance sheet (Altman Z 2.5, Debt/Equity 0.5) and insider-flow pillars score higher than the cash-generation pillar.

Don't sleep on KRNY's setup in Financials. Balance sheet (Altman Z 2.5, Debt/Equity 0.5) and insider-flow pillars score higher than the cash-generation pillar.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (54/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@CreditSpread_Watch Fair point on 23.0x trailing P/E, but you're ignoring the forward operating leverage in Savings Institutions. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $7.39 (-19.0%)
Spot @ $9.12

Fundamental Cash Engine scores 7/20 with ROIC of 3.4% and reported FCF declining from $69.5M to $21.4M.

I respect the product at Kearny Financial Corp, but the stock at $9.12 is a different story. Fundamental Cash Engine scores 7/20 with ROIC of 3.4% and reported FCF declining from $69.5M to $21.4M.. FCF yield is 3.57% and RQD sits at 54/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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