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Company

Kearny Financial Corp.

Ticker
KRNY
Sector
Industry
Report date
November 5, 2026
Valye AI Score

67

High visibility
Recent developments
Recent developments summary

Recent developments include quarterly net income reporting, shareholder elections, and dividend announcements reflecting ongoing corporate governance and financial performance.

Recent developments:
  • Kearny Financial Corp. reported net income of $10.0 million for the quarter ended September 30, 2026 [N3].
  • Shareholders elected directors as fiscal 2026 earnings rose 39% [N2].
  • The company was reminded to go ex-dividend soon as of November 2, 2026 [N1].
Overview

Kearny Financial Corp. operates primarily as a bank holding company with a diversified loan portfolio including commercial, residential, and consumer loans. The company manages deposits, borrowings, and investment securities to support its lending activities. It maintains regulatory capital ratios above required thresholds and reports detailed financial results quarterly and annually. The company’s financial disclosures indicate stable asset quality, moderate credit loss provisions, and consistent net interest income generation. Recent operational highlights include loan growth, deposit increases, and shareholder engagement through elections and dividends.

Executive summary

Financial figures (if any) are summarized from the latest available SEC filings and are provided for informational purposes only — not financial advice. Kearny Financial Corp. is a financial institution with detailed disclosures on its loan portfolio, deposits, borrowings, capital adequacy, and quarterly financial results. As of September 30, 2026, the company reported net income of $10.0 million for the quarter, with improving net interest margin and stable credit loss provisions. The company maintains well capitalized status and has a diversified loan portfolio with moderate nonperforming assets. Recent news includes shareholder elections and dividend announcements, reflecting ongoing corporate governance and shareholder returns.

Scenarios for KRNY

Bull case model:

Kearny Financial demonstrates stable financial performance with increasing net interest income and manageable credit losses. Its well-capitalized position and diversified loan portfolio provide a foundation for operational stability. The company’s active shareholder engagement and dividend payments indicate a focus on shareholder returns. Continued loan growth and deposit increases support ongoing business activity.

Bear case model:

Risks include potential increases in nonperforming assets, fluctuations in interest rates affecting net interest margin, and variability in non-interest income. The company faces competitive pressures in attracting deposits and managing borrowings. Operational expenses, including salaries and technology investments, may increase. Regulatory changes or economic downturns could impact asset quality and capital adequacy.

Moat:

Kearny Financial Corp.'s moat is supported by its well-capitalized status, diversified loan portfolio with moderate loan-to-value ratios, and access to secured borrowing capacity. Its regulatory compliance and stable asset quality contribute to operational resilience. The company’s established deposit base and ability to generate net interest income underpin its competitive position in its regional banking market.

Risks overview
Risks summary
Credit risk from loan portfolio performance and interest rate fluctuations represent key risks to Kearny Financial's financial stability.
Risks details:

• Credit Risk: Increase in nonperforming assets or allowance for credit losses could impact financial results.
• Interest Rate Risk: Changes in interest rates may affect net interest margin and funding costs.
• Operational Risk: Rising non-interest expenses and technology investments could pressure profitability.
• Regulatory Risk: Changes in banking regulations or capital requirements could affect operations.

FINAL FORECAST FOR KRNY

Final take one line
Kearny Financial Corp. exhibits very high visibility with detailed financial disclosures and active shareholder communications reflecting stable banking operations.
Final take 12 to 24 month view

Business trends: Continued loan growth, deposit increases, and stable net interest income underpin operational activity.
Execution milestones: Maintaining well capitalized status, managing credit losses, and shareholder engagement through dividends and elections.
Key risks: Credit quality deterioration, interest rate fluctuations, operational cost pressures, and regulatory changes.

Valye AI Visibility Research Score

High visibility

Visibility score reflects the breadth and consistency of available disclosure across SEC filings, recent public reporting, and baseline business context (research-only; not investment advice).

67
LLM visibility overview
LLM Visibility known facts
Sources
Sources - Context summary

Generated 2026-11-05

Sources - Earning calls
Sources - Other context
Sources - SEC Filings
  • S1 | 2026-08-21 | 10-K
  • S2 | 2026-11-05 | 10-Q
Sources - News headlines
  • N1 | 2026-11-02 | www.nasdaq.com | Reminder - Kearny Financial (KRNY) Goes Ex-Dividend Soon | https://www.nasdaq.com/articles/reminder-kearny-financial-krny-goes-ex-dividend-soon
  • N2 | 2026-10-23 | www.nasdaq.com | Kearny Financial Shareholders Elect Directors as Fiscal 2026 Earnings Rise 39% | https://www.nasdaq.com/articles/kearny-financial-shareholders-elect-directors-fiscal-2026-earnings-rise-39
  • N3 | 2026-10-22 | www.nasdaq.com | Kearny Financial Corp. Reports Net Income of $10.0 million for Quarter Ended September 30, 2026 | https://www.nasdaq.com/articles/kearny-financial-corp-reports-net-income-100-million-quarter-ended-september-30-2026
  • N4 | 2026-10-22 | www.nasdaq.com | Compared to Estimates, Kearny (KRNY) Q1 Earnings: A Look at Key Metrics | https://www.nasdaq.com/articles/compared-estimates-kearny-krny-q1-earnings-look-key-metrics
  • N5 | 2026-10-22 | www.nasdaq.com | Kearny (KRNY) Q1 Earnings and Revenues Lag Estimates | https://www.nasdaq.com/articles/kearny-krny-q1-earnings-and-revenues-lag-estimates
  • N6 | 2026-10-21 | www.nasdaq.com | Banner (BANR) Misses Q3 Earnings and Revenue Estimates | https://www.nasdaq.com/articles/banner-banr-misses-q3-earnings-and-revenue-estimates
  • N7 | 2026-10-21 | www.nasdaq.com | Kearny Financial Corp. Reports Results of Annual Meeting of Stockholders Held on October 20, 2026 | https://www.nasdaq.com/articles/kearny-financial-corp-reports-results-annual-meeting-stockholders-held-october-20-2026
  • N8 | 2026-10-19 | www.nasdaq.com | Northwest Bancshares (NWBI) Reports Next Week: Wall Street Expects Earnings Growth | https://www.nasdaq.com/articles/northwest-bancshares-nwbi-reports-next-week-wall-street-expects-earnings-growth
Important legal disclaimer

This material is for informational purposes only and does not constitute investment, financial, legal or tax advice, or an offer or solicitation to buy or sell any security. The Valye AI Score is a model-based estimate derived from public information and is subject to change without notice. No representation or warranty, express or implied, is made as to the accuracy, completeness or fairness of the information herein. Past performance is not indicative of future results. Investors should conduct their own research and consult a qualified financial adviser before making any investment decisions.

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