Kearny Financial Corp.

NASDAQ•KRNY

CEO: Mr. Craig L. Montanaro

セクター: Financial Services

業種: Banks - Regional

上場日: 2005-02-24

Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. It offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. The company also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans. In addition, it engages in the investment activities. Kearny Financial Corp. was founded in 1884 and is headquartered in Fairfield, New Jersey.

連絡先情報

120 Passaic Avenue, Fairfield, NJ, 07004-3510, United States

973-244-4500

www.kearnybank.com

時価総額

$522.97M

PER (TTM)

14.6

15.7

配当利回り

5.3%

52週高値

$8.50

52週安値

$5.76

52週レンジ

93%

順位37Top 34.1%

4.4

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.4 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q3 2026 データ

売上高

$85.26M+0.00%

直近4四半期の推移

EPS

$0.16+0.00%

直近4四半期の推移

フリーCF

$7.62M+0.00%

直近4四半期の推移

2026 Q2 決算ハイライト

主なハイライト

Six Month Net Income Jumps Net income reached $19.0M for six months ended December 31, 2025, a substantial increase from $12.7M last year.

Net Interest Margin Improves NIM expanded 31 basis points to 2.12% for the six-month period, driven by lower funding costs.

Loan Portfolio Moderately Contracts Net loans receivable decreased $58.3M sequentially to $5.71B, reflecting portfolio management actions.

Capital Ratios Remain Robust CET1 ratio strengthened to 13.79% as of December 31, 2025, significantly exceeding regulatory requirements.

リスク要因

Credit Quality Shows Strain Provision for credit losses rose to $485K for six months, influenced by quantitative adjustments and charge-offs.

Nonperforming Assets Increased Total nonperforming loans grew $5.7M sequentially to $51.3M, largely due to multi-family mortgage segment increases.

Operating Expenses Rising Total non-interest expense increased $3.5M for the six months, driven primarily by higher salaries and technology costs.

Derivative Fair Value Declines Asset derivatives related to interest rate contracts saw fair value drop $9.8M since June 30, 2025.

見通し

Earnings Sensitivity High EVE analysis indicates significant earnings volatility, showing nearly 30% EVE change under a 300 basis point upward shift.

Deposit Strategy Underway Management executed a $69.8M migration of consumer deposits into non-interest bearing accounts via repricing strategy.

Future OCI Reclassification Expected Expect $3.1M gain reclassified from OCI to interest expense over the next twelve months from cash flow hedges.

New Accounting Adoption Ahead Preparing for ASU 2024-03 adoption effective late 2026/2027 regarding detailed expense reporting disclosures.

同業比較

売上高 (TTM)

KRNY

$345.24M

-0.5%

CARE

$319.93M

+31.5%

FBIZ

$282.81M

+5.9%

粗利益率 (最新四半期)

CARE

108.4%

+1.9pp

ACNB

80.8%

-3.2pp

BSRR

78.4%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
CARE	$634.22M	5.8	24.8%	0.0%
AROW	$619.18M	12.0	12.0%	0.6%
VBNK	$619.12M	28.5	5.6%	1.6%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-0.1%

横ばい

4四半期純利益CAGR

14.4%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年7月23日

EPS:$0.16

売上高:$45.61M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし