Stock Ratings / Financials / KRNY / earnings

PDLB (68) NRIM (64) FMAO (68) HTB (63) ⌘ Pro Terminal →

Kearny Financial Corp (KRNY) Next Earnings Date & Expected ±4.7% Move

$9.12 -1.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.08

Kearny Financial Corp (KRNY) carries a Roarable Rating of D+ (Sell) with 55/100 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.

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $599.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on KRNY Below — or Connect Your Own ChatGPT / Claude

🤖 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 2026-11-02, Kearny Financial Corp (NASDAQ: KRNY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $9.12 (-1.19% 1D, market cap $599.3M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, KRNY ranks #565 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+ (55/100 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 $548.6M) and NRIM (Northrim BanCorp Inc) posts a C grade (64/100 RQD, P/E 8.3x, ROIC 19.8%, cap $537.9M). 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 $0 in revenue, $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

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.08 (-0.40%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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-

Each axis scored 0–20

12M PRICE TARGET CONE-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KRNY)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY KRNY SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (25% 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)

Grade D$9.11-2.6% Next Q

Q2 (-2Q)

Grade C-$8.87+4.3% Next Q

Q3 (-1Q)

Grade C-$9.25-1.4% Next Q

Current

Grade D+$9.12-0.5% Hist 90D α

Trajectory: D (47) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the KRNY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, KRNY faces multiple-compression risk if 23.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.44) or 200D SMA ($8.64) invalidates the momentum regime and cuts Target Base ($9.00) toward Bear Floor ($7.02).

🎲 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 55%NO 45%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 28, 2026 (~55 DAYS)

Historical OHLCV Volatility ±4.7% Swing Band

±$0.43 Expected Swing

MODEL EARNINGS SETUP GAUGE

KRNY Quantitative Pre-Earnings Setup: 55/100

Trailing EPS: $0.40 • YoY Revenue Growth: 12.4%

Model Bullish Setup (55/100)Model Risk Weight (45/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-06-30	$0	$26.1M	$21.4M	52%
FY 2024	2024-06-30	$0	-$86.7M	$42.6M	52%
FY 2023	2023-06-30	$0	$40.8M	$69.5M	52%

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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Join Founding VIP Waitlist (No Card Required) →$100K Arena

KRNY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.43%📐 HORIZONTAL RANGE

2026-11-02O $9.22H $9.23L $9.12C $9.12VOL 530.7K

RES: $10.78SUP: $8.69SMA50: $9.44SMA200: $8.64

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

16.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #565 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Kearny Financial Corp (KRNY) ranks #565 by composite RQD confidence (55/100, grade D+) and #668 by equity capitalization ($599.3M). 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 55/100 (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+	55/100	23.0x	—	3.4%	-1.19%	$599.3M	Benchmark Subject
PDLB Ponce Financial Group Inc.	C+	68/100	19.9x	—	5.1%	-0.84%	$548.6M	/pdlb-vs-krny →
NRIM Northrim BanCorp Inc	C	64/100	8.3x	—	19.8%	-1.36%	$537.9M	/nrim-vs-krny →
FMAO Farmers & Merchants Bancorp Inc.	C+	68/100	15.3x	—	9.0%	-1.86%	$510.7M	/fmao-vs-krny →
HTB HomeTrust Bancshares Inc.	C	63/100	11.6x	—	10.7%	-2.03%	$747.9M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$26.1M	$24.8M	$21.4M	$7.62B	—
FY2024 (FY)	2024-06-30	$0	-$86.7M	$44.0M	$42.6M	$7.73B	—
FY2023 (FY)	2023-06-30	$0	$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?

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

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

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

KRNY last traded at $9.12 (-1.19% on volume of 410,934 shares), positioning the stock -3.39% below its 50-day simple moving average ($9.44) and +5.56% above its 200-day simple moving average ($8.64). Across its 52-week range of $6.23 to $10.24, KRNY sits at the 72.1% percentile with a 14-day RSI of 50.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($8.69 to $9.55).

KRNY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is KRNY's next earnings date?

Based on SEC filing cadence, Kearny Financial Corp (KRNY)'s next quarterly reporting window is estimated around Dec 28, 2026.

How much is KRNY stock expected to move on earnings?

Volatility modeling currently projects a ±4.7% event move for KRNY, spanning a range between $8.69 and $9.55.

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 55/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:34:39Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, KRNY carries an RQD Score of 55 and a letter grade of D+, labeled "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 7/20 (ROIC 3.4%; FCF yield 3.57%), Whale 13F Flow at 10/20 (institutional accumulation and options positioning), Insider Conviction at 14/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 11/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5). The weakest pillar is the Fundamental Cash Engine, which is the basis for the trim label. For a prospective investor, the pillar profile suggests that the balance sheet and insider-flow signals are comparatively stronger than the cash-generation return profile. Valuation tradeoffs are visible in the market data: trailing P/E of 23 against a forward P/E of 21.4 and a 4.61% dividend yield. Upside drivers in the source data are limited to the balance-sheet and insider-flow pillars; the rating itself does not forecast price direction. This is an analytical summary, not personalized financial advice.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$26.1M	N/A	$21.4M	$147.3M	N/A
FY 2024	$0.0M	$0.0M	$-86.7M	N/A	$42.6M	$141.6M	N/A
FY 2023	$0.0M	$0.0M	$40.8M	N/A	$69.5M	N/A	N/A

Per the SEC financials, net income moved from $40.8M (FY 2023) to $-86.7M (FY 2024) before recovering to $26.1M (FY 2025), while reported FCF declined across the three periods from $69.5M to $21.4M. Per the market data, gross, operating, and net margins are each reported as 0%, and ROIC is 3.4%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 4/9, and Debt/Equity is 0.5. Balance sheet posture is described as moderate on these metrics; the source data does not provide revenue or operating income figures to assess margin trends directly.

Recent Catalysts & News Wire Analysis

Q1 earnings comparison (Yahoo Finance, MARKET WIRE, YELLOW): Headline notes a comparison of Q1 earnings against estimates.
Fiscal 2026 execution (The Globe and Mail, RISK WATCH, RED): Headline references strong fiscal 2026 execution progress; flagged RED on the wire as a risk-watch item.
Shareholder/analyst call slideshow (Seeking Alpha, MARKET WIRE, YELLOW): Dated 2026-10-20 in the headline.
Analyst forecast page (Simply Wall St, MARKET WIRE, YELLOW): Stock forecast and analyst predictions headline; no figures provided.
Q1 2027 earnings release (Quiver Quantitative, MARKET WIRE, YELLOW): Headline only.
Rotational strategy timing (Stock Traders Daily, MARKET WIRE, YELLOW): Headline only.

The Butterfly Supply-Chain Graph reports supply_chain: NONE, with no butterfly links and no proprietary signals.

Open Questions

What are KRNY's revenue and operating income figures, given that the reported periods show $0.0M for both?
What is the source of the EPS (TTM) of 0.4 relative to FY net income figures and the missing reported EPS values?
What drove the FY 2024 net loss of $-86.7M, and was it recurring or one-time?
What is the reported debt level, given that debt is N/A in every period?
What is the basis for the Fundamental Cash Engine pillar score, and what are the components behind ROIC 3.4% and FCF yield 3.57%?

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) ↓

🟡 MARKET WIRE Yahoo Finance • 14h ago

Compared to Estimates, Kearny (KRNY) Q1 Earnings: A Look at Key Metrics

Yahoo Finance report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH The Globe and Mail • 17h ago

Kearny Financial Highlights Strong Fiscal 2026 Execution Progress

The Globe and Mail report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 20h ago

Kearny Financial Corp. (KRNY) Shareholder/Analyst Call - Slideshow (NASDAQ:KRNY) 2026-10-20

Seeking Alpha report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 23h ago

Kearny Financial (NasdaqGS:KRNY) Stock Forecast & Analyst Predictions

Simply Wall St report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

KEARNY FINANCIAL ($KRNY) Releases Q1 2027 Earnings

Quiver Quantitative report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Traders Daily • 1d ago

How Kearny Financial (KRNY) Affects Rotational Strategy Timing

Stock Traders Daily report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Kearny Financial (KRNY) Stock Price Trails Its Q1 Earnings Progress

Simply Wall St report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE ad-hoc-news.de • 1d ago

Bank of America buys into Kearny Financial stock

ad-hoc-news.de report covering Kearny Financial Corp (KRNY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

KRNY Bull vs. Bear Conversation Board — What's Your Call at $9.12?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON KRNY 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $9.97 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is KRNY (D+ • RQD 55/100) a Buy at $9.23?

Welcome to the KRNY (Kearny Financial Corp) Roar Pit. Current RQD Composite is 55/100 (Roarable Sell — Weak Fundamentals / Trim) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $6.92 (-25.0%)

Spot @ $9.23

Pump the brakes on KRNY — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on KRNY, but look at what you are paying: 23.0x trailing P/E with tightening sector spreads. Unless Kearny Financial Corp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $11.81 (+28.0%)

Spot @ $9.23

KRNY cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on KRNY, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $9.23 (52-wk range $6.23 - $10.24), any beat on forward guidance forces shorts and underweight funds to chase.