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Kearny Financial (KRNY) Financials

Kearny Financial logo
$6.00 -0.02 (-0.33%)
Closing price 05/23/2025 04:00 PM Eastern
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$6.00 +0.00 (+0.08%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for Kearny Financial

Annual Income Statements for Kearny Financial

This table shows Kearny Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021
Net Income / (Loss) Attributable to Common Shareholders		 -87 41 68 63
Consolidated Net Income / (Loss)		 -87 41 68 63
Net Income / (Loss) Continuing Operations		 -87 41 68 63
Total Pre-Tax Income 		-81 52 92 84
Total Revenue		 141 179 211 209
Net Interest Income / (Expense)		 143 176 197 188
Total Interest Income		 329 294 226 238
Loans and Leases Interest Income		 256 233 191 202
Investment Securities Interest Income		 64 56 34 33
Other Interest Income		 9.21 5.03 1.73 2.96
Total Interest Expense		 186 118 30 50
Deposits Interest Expense		 122 78 15 32
Long-Term Debt Interest Expense		 64 40 14 18
Total Non-Interest Income		 -1.99 2.75 14 21
Other Service Charges		 8.32 11 5.78 5.37
Net Realized & Unrealized Capital Gains on Investments		 -19 -17 1.99 9.39
Other Non-Interest Income		 9.08 8.65 6.17 6.27
Provision for Credit Losses		 6.23 2.49 -7.52 -1.12
Total Non-Interest Expense		 215 124 126 126
Salaries and Employee Benefits		 69 76 76 69
Net Occupancy & Equipment Expense		 26 27 30 28
Marketing Expense		 1.40 2.12 2.06 2.16
Property & Liability Insurance Claims		 5.98 5.13 2.46 1.94
Other Operating Expenses		 15 14 15 20
Impairment Charge		 97 0.00 0.00 -
Income Tax Expense		 5.89 12 25 21
Basic Earnings per Share		 ($1.39) $0.63 $0.95 $0.77
Weighted Average Basic Shares Outstanding		 62.44M 64.80M 70.91M 82.39M
Diluted Earnings per Share		 ($1.39) $0.63 $0.95 $0.77
Weighted Average Diluted Shares Outstanding		 62.44M 64.80M 70.93M 82.39M
Weighted Average Basic & Diluted Shares Outstanding		 64.58M 65.21M 68.23M 77.00M
Cash Dividends to Common per Share		 $0.44 $0.44 $0.43 $0.35

Quarterly Income Statements for Kearny Financial

This table shows Kearny Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 3/31/2024 12/31/2023 9/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022 3/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 6.57 6.09 7.40 -14 9.84 10 1.95 17 11 18
Consolidated Net Income / (Loss)		 6.57 6.09 7.40 -14 9.84 10 1.95 17 11 18
Net Income / (Loss) Continuing Operations		 6.57 6.09 7.40 -14 9.84 10 1.95 17 11 18
Total Pre-Tax Income 		7.82 7.18 9.11 -12 13 13 1.98 22 16 24
Total Revenue		 37 37 39 20 43 44 36 54 53 51
Net Interest Income / (Expense)		 33 32 34 36 39 42 45 49 51 48
Total Interest Income		 81 83 82 83 81 77 72 64 59 55
Loans and Leases Interest Income		 65 66 64 63 63 60 58 53 49 46
Investment Securities Interest Income		 14 14 16 17 16 16 13 11 9.21 8.34
Other Interest Income		 2.22 2.47 2.48 2.40 2.05 1.44 1.01 0.76 0.47 0.42
Total Interest Expense		 49 51 48 47 42 35 28 16 7.95 6.87
Deposits Interest Expense		 37 35 32 30 28 22 19 11 3.92 3.57
Long-Term Debt Interest Expense		 12 16 15 16 14 13 8.84 5.02 4.04 3.31
Total Non-Interest Income		 4.87 4.63 4.20 -16 4.01 1.65 -8.48 5.92 2.81 3.19
Other Service Charges		 1.95 1.86 1.88 1.83 2.13 2.44 4.85 1.82 0.89 0.86
Net Realized & Unrealized Capital Gains on Investments		 0.30 0.20 -0.71 -19 0.22 -2.37 -15 0.40 -0.39 0.39
Other Non-Interest Income		 2.62 2.57 3.04 1.16 1.67 1.58 1.76 3.70 1.53 1.51
Provision for Credit Losses		 0.11 0.11 0.35 2.11 0.25 0.45 1.67 0.67 4.22 -3.92
Total Non-Interest Expense		 30 30 29 30 30 30 33 32 34 31
Salaries and Employee Benefits		 18 17 17 17 18 18 20 20 20 19
Net Occupancy & Equipment Expense		 6.72 6.66 6.69 6.49 6.56 6.63 6.85 6.75 7.70 7.05
Marketing Expense		 0.31 0.34 0.39 0.30 0.23 0.41 0.73 0.75 0.70 0.52
Property & Liability Insurance Claims		 1.50 1.56 1.43 1.50 1.52 1.55 1.23 0.91 0.76 0.48
Other Operating Expenses		 3.45 3.73 3.65 4.20 3.70 3.75 3.92 3.24 4.08 3.40
Income Tax Expense		 1.25 1.09 1.72 1.78 3.31 2.90 0.03 5.26 4.21 6.52
Basic Earnings per Share		 $0.11 $0.10 $0.12 ($0.22) $0.16 $0.16 $0.03 $0.25 $0.18 $0.25
Weighted Average Basic Shares Outstanding		 62.50M 62.39M 62.21M 62.30M 63.01M 64.77M 65.03M 65.74M 70.91M 69.79M
Diluted Earnings per Share		 $0.10 $0.10 $0.12 ($0.22) $0.16 $0.16 $0.03 $0.25 $0.18 $0.25
Weighted Average Diluted Shares Outstanding		 62.63M 62.42M 62.21M 62.30M 63.06M 64.78M 65.04M 65.76M 70.93M 69.82M
Weighted Average Basic & Diluted Shares Outstanding		 64.58M 64.58M 64.44M 64.44M 64.54M 66.08M 67.38M 67.57M 68.23M 70.42M
Cash Dividends to Common per Share		 $0.11 $0.11 $0.11 $0.11 $0.11 $0.11 $0.11 $0.11 $0.11 $0.11

Annual Cash Flow Statements for Kearny Financial

This table details how cash moves in and out of Kearny Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021
Net Change in Cash & Equivalents		 -6.65 -31 34 -113
Net Cash From Operating Activities		 44 70 81 75
Net Cash From Continuing Operating Activities		 44 70 81 75
Net Income / (Loss) Continuing Operations		 -87 41 68 63
Consolidated Net Income / (Loss)		 -87 41 68 63
Provision For Loan Losses		 6.23 2.49 -7.52 -1.12
Depreciation Expense		 4.73 5.73 5.97 5.86
Amortization Expense		 -1.92 -4.52 -3.98 -12
Non-Cash Adjustments to Reconcile Net Income		 125 35 20 7.44
Changes in Operating Assets and Liabilities, net		 -3.48 -9.59 -0.64 12
Net Cash From Investing Activities		 258 -418 -480 -84
Net Cash From Continuing Investing Activities		 258 -418 -480 -84
Purchase of Property, Leasehold Improvements and Equipment		 -1.35 -1.36 -2.92 -5.46
Purchase of Investment Securities		 -64 -307 -937 -780
Sale and/or Maturity of Investments		 323 -110 460 697
Other Investing Activities, net		 0.30 0.00 0.00 -
Net Cash From Financing Activities		 -309 317 432 -105
Net Cash From Continuing Financing Activities		 -309 317 432 -105
Net Change in Deposits		 -471 -233 378 597
Issuance of Debt		 6,400 6,255 4,315 2,296
Repayment of Debt		 -6,198 -5,650 -4,100 -2,848
Repurchase of Common Equity		 -11 -28 -130 -119
Payment of Dividends		 -28 -28 -31 -29
Other Financing Activities, Net		 -1.41 1.13 0.02 -2.04
Cash Interest Paid		 185 109 29 50
Cash Income Taxes Paid		 6.63 9.88 16 20

Quarterly Cash Flow Statements for Kearny Financial

This table details how cash moves in and out of Kearny Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 9/30/2024 9/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022 3/31/2022
Net Change in Cash & Equivalents		 92 -13 119 -20 -5.54 39 1.93
Net Cash From Operating Activities		 2.54 12 22 15 21 24 31
Net Cash From Continuing Operating Activities		 2.54 12 22 15 21 24 31
Net Income / (Loss) Continuing Operations		 6.09 9.84 10 1.95 17 11 18
Consolidated Net Income / (Loss)		 6.09 9.84 10 1.95 17 11 18
Provision For Loan Losses		 0.11 0.25 0.45 1.67 0.67 4.22 -3.92
Depreciation Expense		 1.11 1.23 1.42 1.46 1.47 1.50 1.47
Amortization Expense		 -0.26 -0.48 -0.81 -1.67 -1.40 -1.15 -1.09
Non-Cash Adjustments to Reconcile Net Income		 -3.73 7.58 6.86 12 19 2.21 11
Changes in Operating Assets and Liabilities, net		 -0.78 -6.14 3.61 -0.23 -16 6.00 5.46
Net Cash From Investing Activities		 14 65 50 -419 -206 -327 -234
Net Cash From Continuing Investing Activities		 14 65 50 -419 -206 -328 -234
Purchase of Investment Securities		 -95 32 -580 -243 -30 -64 -176
Sale and/or Maturity of Investments		 109 33 630 -176 -175 -262 -57
Net Cash From Financing Activities		 75 -90 48 383 180 342 205
Net Cash From Continuing Financing Activities		 75 -90 48 383 180 342 205
Net Change in Deposits		 312 -195 -168 -137 246 334 75
Issuance of Debt		 1,195 1,425 1,855 2,100 1,565 3,040 265
Repayment of Debt		 -1,425 -1,305 -1,627 -1,568 -1,615 -2,990 -100
Repurchase of Common Equity		 0.00 -6.47 -6.69 -5.75 -8.69 -34 -27
Payment of Dividends		 -7.01 -7.01 -7.17 -7.11 -7.24 -7.40 -7.71
Other Financing Activities, Net		 0.07 -1.83 1.30 0.75 -0.53 -0.28 0.08
Cash Interest Paid		 49 40 32 24 13 7.15 6.88
Cash Income Taxes Paid		 1.27 4.07 0.30 2.30 6.02 6.06 -0.13

Annual Balance Sheets for Kearny Financial

This table presents Kearny Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021
Total Assets		 7,683 8,065 7,720 7,284
Cash and Due from Banks		 17 22 26 21
Interest Bearing Deposits at Other Banks		 47 49 76 46
Trading Account Securities		 1,215 9.59 29 55
Loans and Leases, Net of Allowance		 5,688 5,781 5,371 4,793
Loans and Leases		 5,733 5,829 5,418 4,851
Allowance for Loan and Lease Losses		 45 49 47 58
Premises and Equipment, Net		 45 48 53 56
Goodwill		 114 211 211 211
Intangible Assets		 1.93 2.46 3.02 3.71
Other Assets		 557 1,942 1,951 2,097
Total Liabilities & Shareholders' Equity		 7,683 8,065 7,720 7,284
Total Liabilities		 6,930 7,196 6,826 6,241
Non-Interest Bearing Deposits		 598 610 654 594
Interest Bearing Deposits		 4,577 5,038 5,225 4,907
Long-Term Debt		 1,710 1,507 901 686
Other Long-Term Liabilities		 45 41 46 54
Total Equity & Noncontrolling Interests		 754 869 894 1,043
Total Preferred & Common Equity		 754 869 894 1,043
Preferred Stock		 0.00 0.00 0.00 0.00
Total Common Equity		 754 869 894 1,043
Common Stock		 494 504 529 655
Retained Earnings		 343 458 445 408
Accumulated Other Comprehensive Income / (Loss)		 -63 -69 -56 6.14
Other Equity Adjustments		 -21 -23 -25 -27

Quarterly Balance Sheets for Kearny Financial

This table presents Kearny Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 12/31/2024 9/30/2024 3/31/2024 12/31/2023 9/30/2023 3/31/2023 12/31/2022 9/30/2022 3/31/2022
Total Assets		 7,731 7,772 7,842 7,898 7,975 8,349 8,289 7,890 7,390
Cash and Due from Banks		 18 18 16 16 21 19 21 23 23
Interest Bearing Deposits at Other Banks		 124 137 55 58 36 176 55 73 40
Trading Account Securities		 1,151 1,212 1,242 1,300 1,363 1,422 1,453 1,392 125
Loans and Leases, Net of Allowance		 5,747 5,739 5,713 5,701 5,689 5,917 5,935 5,609 4,959
Loans and Leases		 5,792 5,784 5,758 5,746 5,736 5,966 5,984 5,656 5,003
Allowance for Loan and Lease Losses		 44 45 45 45 47 49 49 48 44
Premises and Equipment, Net		 45 45 45 46 47 50 51 53 54
Goodwill		 114 114 211 211 211 211 211 211 211
Intangible Assets		 1.68 1.81 2.06 2.19 2.32 - 2.73 2.88 3.17
Other Assets		 531 505 557 564 605 552 561 526 1,976
Total Liabilities & Shareholders' Equity		 7,731 7,772 7,842 7,898 7,975 8,349 8,289 7,890 7,390
Total Liabilities		 6,987 7,021 6,993 7,050 7,125 5,871 7,417 7,015 6,435
Non-Interest Bearing Deposits		 602 592 586 584 595 618 651 683 622
Interest Bearing Deposits		 5,088 4,896 4,640 4,752 4,856 5,204 5,338 5,441 4,924
Long-Term Debt		 1,259 1,480 1,722 1,667 1,627 - 1,384 851 851
Other Long-Term Liabilities		 39 53 44 46 47 49 44 38 38
Total Equity & Noncontrolling Interests		 745 752 849 848 850 890 873 875 955
Total Preferred & Common Equity		 745 752 849 848 850 866 873 875 955
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 745 752 849 848 850 890 873 875 955
Common Stock		 495 494 494 494 498 510 516 521 562
Retained Earnings		 342 343 440 440 460 453 449 455 442
Accumulated Other Comprehensive Income / (Loss)		 -72 -65 -64 -64 -86 -73 -69 -76 -23
Other Equity Adjustments		 -20 -20 -21 -22 -22 - -24 -24 -25

Annual Metrics And Ratios for Kearny Financial

This table displays calculated financial ratios and metrics derived from Kearny Financial's official financial filings.

Metric 2024 2023 2022 2021
Period end date 6/30/2024 6/30/2023 6/30/2022 6/30/2021
Growth Metrics		 - - - -
Revenue Growth		 -21.28% -15.16% 0.61% 23.77%
EBITDA Growth		 -245.49% -43.19% 20.26% 46.33%
EBIT Growth		 -254.21% -43.28% 9.29% 47.59%
NOPAT Growth		 -238.55% -39.58% 6.82% 40.63%
Net Income Growth		 -312.36% -39.58% 6.82% 40.63%
EPS Growth		 -320.63% -33.68% 23.38% 40.00%
Operating Cash Flow Growth		 -36.78% -14.45% 7.80% 290.28%
Free Cash Flow Firm Growth		 73.37% -52,522.14% -99.83% 149.93%
Invested Capital Growth		 3.67% 32.35% 3.85% -23.41%
Revenue Q/Q Growth		 0.00% -5.08% 0.40% 2.68%
EBITDA Q/Q Growth		 0.00% 0.37% -8.10% 9.47%
EBIT Q/Q Growth		 0.00% -0.35% -9.72% 6.94%
NOPAT Q/Q Growth		 0.00% 1.60% -9.53% 8.20%
Net Income Q/Q Growth		 0.00% 1.60% -9.53% 8.20%
EPS Q/Q Growth		 0.00% 1.61% -5.94% 8.45%
Operating Cash Flow Q/Q Growth		 0.00% -15.23% 8.62% 59.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 14.48% -99.48% 1.58%
Invested Capital Q/Q Growth		 0.00% -4.11% -0.61% -10.40%
Profitability Metrics		 - - - -
EBITDA Margin		 -55.45% 30.00% 44.81% 37.49%
EBIT Margin		 -57.45% 29.32% 43.86% 40.38%
Profit (Net Income) Margin		 -61.64% 22.85% 32.08% 30.22%
Tax Burden Percent		 107.29% 77.91% 73.14% 74.84%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 22.09% 26.86% 25.16%
Return on Invested Capital (ROIC)		 -2.34% 1.96% 3.83% 3.17%
ROIC Less NNEP Spread (ROIC-NNEP)		 -4.21% 1.96% 3.83% 3.17%
Return on Net Nonoperating Assets (RNNOA)		 -8.34% 2.67% 3.14% 2.77%
Return on Equity (ROE)		 -10.68% 4.63% 6.97% 5.95%
Cash Return on Invested Capital (CROIC)		 -5.94% -25.89% 0.06% 29.69%
Operating Return on Assets (OROA)		 -1.03% 0.66% 1.23% 1.20%
Return on Assets (ROA)		 -1.10% 0.52% 0.90% 0.90%
Return on Common Equity (ROCE)		 -10.68% 4.63% 6.97% 5.95%
Return on Equity Simple (ROE_SIMPLE)		 -11.50% 4.69% 7.56% 6.06%
Net Operating Profit after Tax (NOPAT)		 -57 41 68 63
NOPAT Margin		 -40.22% 22.85% 32.08% 30.22%
Net Nonoperating Expense Percent (NNEP)		 1.87% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 68.90% 58.41% 51.45% 47.07%
Operating Expenses to Revenue		 153.02% 69.28% 59.71% 60.16%
Earnings before Interest and Taxes (EBIT)		 -81 52 92 84
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -78 54 94 78
Valuation Ratios		 - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - -
Debt to Equity		 2.27 1.73 1.01 0.66
Long-Term Debt to Equity		 2.27 1.73 1.01 0.66
Financial Leverage		 1.98 1.37 0.82 0.87
Leverage Ratio		 9.70 8.95 7.75 6.60
Compound Leverage Factor		 9.70 8.95 7.75 6.60
Debt to Total Capital		 69.41% 63.42% 50.20% 39.67%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 69.41% 63.42% 50.20% 39.67%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 30.59% 36.58% 49.80% 60.33%
Debt to EBITDA		 -21.93 28.12 9.55 8.74
Net Debt to EBITDA		 -21.11 26.80 8.48 7.88
Long-Term Debt to EBITDA		 -21.93 28.12 9.55 8.74
Debt to NOPAT		 -30.24 36.92 13.34 10.85
Net Debt to NOPAT		 -29.11 35.19 11.84 9.77
Long-Term Debt to NOPAT		 -30.24 36.92 13.34 10.85
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - -
Cash Flow Metrics		 - - - -
Free Cash Flow to Firm (FCFF)		 -144 -540 1.03 592
Operating Cash Flow to CapEx		 3,257.11% 5,132.77% 2,784.28% 1,381.77%
Free Cash Flow to Firm to Interest Expense		 -0.77 -4.58 0.03 11.87
Operating Cash Flow to Interest Expense		 0.24 0.59 2.74 1.51
Operating Cash Flow Less CapEx to Interest Expense		 0.23 0.58 2.64 1.40
Efficiency Ratios		 - - - -
Asset Turnover		 0.02 0.02 0.03 0.03
Fixed Asset Turnover		 3.02 3.52 3.84 3.68
Capital & Investment Metrics		 - - - -
Invested Capital		 2,463 2,376 1,795 1,729
Invested Capital Turnover		 0.06 0.09 0.12 0.11
Increase / (Decrease) in Invested Capital		 87 581 67 -529
Enterprise Value (EV)		 0.00 0.00 0.00 0.00
Market Capitalization		 0.00 0.00 0.00 0.00
Book Value per Share		 $11.69 $13.15 $12.70 $12.91
Tangible Book Value per Share		 $9.90 $9.93 $9.66 $10.25
Total Capital		 2,463 2,376 1,795 1,729
Total Debt		 1,710 1,507 901 686
Total Long-Term Debt		 1,710 1,507 901 686
Net Debt		 1,646 1,436 800 618
Capital Expenditures (CapEx)		 1.35 1.36 2.92 5.46
Net Nonoperating Expense (NNE)		 30 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,710 1,507 901 686
Total Depreciation and Amortization (D&A)		 2.81 1.21 1.99 -6.05
Earnings Adjustments		 - - - -
Adjusted Basic Earnings per Share		 ($1.39) $0.63 $0.95 $0.77
Adjusted Weighted Average Basic Shares Outstanding		 62.44M 64.80M 70.91M 82.39M
Adjusted Diluted Earnings per Share		 ($1.39) $0.63 $0.95 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 62.44M 64.80M 70.93M 82.39M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 64.58M 65.21M 68.23M 77.00M
Normalized Net Operating Profit after Tax (NOPAT)		 12 41 68 67
Normalized NOPAT Margin		 8.26% 22.85% 32.08% 32.06%
Pre Tax Income Margin		 -57.45% 29.32% 43.86% 40.38%
Debt Service Ratios		 - - - -
EBIT to Interest Expense		 -0.43 0.44 3.11 1.70
NOPAT to Interest Expense		 -0.30 0.35 2.28 1.27
EBIT Less CapEx to Interest Expense		 -0.44 0.43 3.01 1.59
NOPAT Less CapEx to Interest Expense		 -0.31 0.33 2.18 1.16
Payout Ratios		 - - - -
Dividend Payout Ratio		 -31.80% 69.83% 45.44% 45.31%
Augmented Payout Ratio		 -44.77% 137.36% 237.19% 233.53%

Quarterly Metrics And Ratios for Kearny Financial

This table displays calculated financial ratios and metrics derived from Kearny Financial's official financial filings.

Metric Q2 2025 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 3/31/2024 12/31/2023 9/30/2023 3/31/2023 12/31/2022 9/30/2022 6/30/2022 3/31/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 89.06% -14.13% -12.48% -45.39% -20.71% -13.55% -31.27% 1.98% 1.61% -4.10%
EBITDA Growth		 164.90% -42.28% -34.07% -778.21% -36.42% -43.80% -93.17% -18.49% -36.92% 21.45%
EBIT Growth		 164.90% -45.42% -31.03% -707.11% -39.65% -45.43% -92.24% -19.26% -38.96% 9.30%
NOPAT Growth		 177.87% -38.10% -28.27% -532.16% -40.48% -41.72% -89.61% -16.13% -38.48% 7.73%
Net Income Growth		 147.49% -38.10% -28.27% -808.71% -40.48% -41.72% -89.61% -16.13% -38.48% 7.73%
EPS Growth		 145.45% -37.50% -25.00% -833.33% -36.00% -36.00% -88.46% -3.85% -25.00% 25.00%
Operating Cash Flow Growth		 0.00% -79.33% 0.00% 0.00% -40.67% -28.70% -27.26% 282.43% 36.46% 13.88%
Free Cash Flow Firm Growth		 293.75% 133.93% 87.00% 53.33% -3,000.46% -569.35% -294.01% -94.75% -110.08% -73.94%
Invested Capital Growth		 -20.33% -9.89% 3.77% 11.47% 43.44% 37.18% 34.17% -0.52% 3.85% -6.38%
Revenue Q/Q Growth		 1.11% 0.00% 94.29% -54.07% 0.00% 21.24% -33.32% 1.95% 4.89% -3.60%
EBITDA Q/Q Growth		 -2.58% 0.00% 175.67% -186.65% 0.00% 678.38% -91.88% 37.28% -35.25% -5.33%
EBIT Q/Q Growth		 8.90% 0.00% 175.67% -191.59% 0.00% 566.03% -90.89% 39.90% -35.68% -5.30%
NOPAT Q/Q Growth		 7.78% 0.00% 187.73% -185.67% 0.00% 428.55% -88.20% 45.43% -35.74% -5.73%
Net Income Q/Q Growth		 7.78% 0.00% 153.50% -240.49% 0.00% 428.55% -88.20% 45.43% -35.74% -5.73%
EPS Q/Q Growth		 0.00% 0.00% 154.55% -237.50% 0.00% 433.33% -88.00% 38.89% -28.00% -3.85%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 42.29% -25.85% -14.25% -21.18% 45.16%
Free Cash Flow Firm Q/Q Growth		 106.18% 0.00% 67.84% 63.89% 0.00% -15.46% -2,344.07% 146.28% -139.14% -52.27%
Invested Capital Q/Q Growth		 -10.20% 0.00% 2.24% 1.56% 0.00% 9.83% 30.69% -3.84% -0.61% 7.42%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 20.85% 21.64% 23.66% -60.75% 32.20% 31.41% 4.89% 40.16% 29.82% 48.31%
EBIT Margin		 20.85% 19.36% 23.66% -60.75% 30.46% 30.02% 5.46% 40.02% 29.16% 47.56%
Profit (Net Income) Margin		 17.52% 16.43% 19.20% -69.74% 22.80% 23.43% 5.37% 30.37% 21.29% 34.75%
Tax Burden Percent		 84.00% 84.87% 81.16% 114.79% 74.84% 78.04% 98.34% 75.88% 73.00% 73.07%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 16.00% 15.13% 18.84% 0.00% 25.16% 21.96% 1.66% 24.12% 27.00% 26.93%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 2.06% 0.53% 3.71% 2.54% 3.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 2.06% 0.53% 3.71% 2.54% 3.90%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 2.72% 0.59% 3.09% 2.08% 3.32%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 4.78% 1.12% 6.80% 4.63% 7.22%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% -29.47% -26.77% 4.24% 0.06% 10.59%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.72% 0.14% 1.12% 0.82% 1.35%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.56% 0.14% 0.85% 0.60% 0.99%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 4.78% 1.12% 6.80% 4.63% 7.22%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 4.64% 5.45% 7.36% 0.00% 7.82%
Net Operating Profit after Tax (NOPAT)		 6.57 6.09 7.40 -8.43 9.84 10 1.95 17 11 18
NOPAT Margin		 17.52% 16.43% 19.20% -42.53% 22.80% 23.43% 5.37% 30.37% 21.29% 34.75%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.35% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 65.66% 66.08% 62.26% 121.41% 56.86% 56.91% 75.76% 51.14% 53.87% 52.53%
Operating Expenses to Revenue		 78.86% 80.35% 75.43% 150.13% 68.97% 68.96% 89.93% 58.75% 62.93% 60.14%
Earnings before Interest and Taxes (EBIT)		 7.82 7.18 9.11 -12 13 13 1.98 22 16 24
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.82 8.02 9.11 -12 14 14 1.78 22 16 25
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.69 1.97 2.03 1.97 1.92 0.00 1.59 0.97 1.01 0.89
Long-Term Debt to Equity		 1.69 1.97 2.03 1.97 1.92 0.00 1.59 0.97 1.01 0.89
Financial Leverage		 1.84 1.94 1.90 1.77 1.44 1.32 1.11 0.83 0.82 0.85
Leverage Ratio		 9.81 9.84 9.31 9.41 9.20 8.53 8.28 7.98 7.75 7.30
Compound Leverage Factor		 9.81 9.84 9.31 9.41 9.20 8.53 8.28 7.98 7.75 7.30
Debt to Total Capital		 62.83% 66.32% 66.98% 66.28% 65.70% 0.00% 61.32% 49.32% 50.20% 47.12%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 62.83% 66.32% 66.98% 66.28% 65.70% 0.00% 61.32% 49.32% 50.20% 47.12%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 37.17% 33.68% 33.02% 33.72% 34.30% 100.00% 38.68% 50.68% 49.80% 52.88%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 21.56 9.63 9.66 8.29
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 20.38 8.55 8.57 7.68
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 21.56 9.63 9.66 8.29
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 29.10 13.23 13.34 11.40
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 27.51 11.74 11.84 10.57
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 29.10 13.23 13.34 11.40
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 518 251 -86 -267 -740 -661 -573 26 -55 141
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 3,721.29% 0.00% 0.00% 2,275.78% 2,708.75%
Free Cash Flow to Firm to Interest Expense		 10.59 4.94 -1.80 -5.71 -17.62 -19.00 -20.71 1.61 -6.93 20.49
Operating Cash Flow to Interest Expense		 0.00 0.05 0.00 0.00 0.29 0.63 0.56 1.30 3.04 4.46
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.05 0.00 0.00 0.29 0.61 0.56 1.30 2.90 4.29
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.02 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 3.64 3.72 3.92 3.84 3.68
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,004 2,231 2,571 2,515 2,476 2,478 2,256 1,726 1,795 1,806
Invested Capital Turnover		 0.00 0.00 0.00 0.00 0.00 0.09 0.10 0.12 0.12 0.11
Increase / (Decrease) in Invested Capital		 -511 -245 93 259 750 672 575 -8.99 67 -123
Enterprise Value (EV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Market Capitalization		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book Value per Share		 $11.53 $11.64 $13.18 $13.14 $13.03 $13.20 $12.92 $12.82 $12.70 $13.13
Tangible Book Value per Share		 $9.75 $9.85 $9.87 $9.84 $9.76 $10.07 $9.75 $9.69 $9.66 $10.19
Total Capital		 2,004 2,231 2,571 2,515 2,476 890 2,256 1,726 1,795 1,806
Total Debt		 1,259 1,480 1,722 1,667 1,627 0.00 1,384 851 901 851
Total Long-Term Debt		 1,259 1,480 1,722 1,667 1,627 0.00 1,384 851 901 851
Net Debt		 1,117 1,324 1,651 1,593 1,570 -195 1,308 755 800 789
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.59 -0.22 0.00 1.06 1.13
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 5.40 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,259 1,480 1,722 1,667 1,627 1,588 1,384 851 901 851
Total Depreciation and Amortization (D&A)		 0.00 0.85 0.00 0.00 0.75 0.61 -0.21 0.08 0.35 0.38
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.11 $0.10 $0.12 ($0.22) $0.16 $0.16 $0.03 $0.25 $0.18 $0.25
Adjusted Weighted Average Basic Shares Outstanding		 62.50M 62.39M 62.21M 62.30M 63.01M 64.77M 65.03M 65.74M 70.91M 69.79M
Adjusted Diluted Earnings per Share		 $0.10 $0.10 $0.12 ($0.22) $0.16 $0.16 $0.03 $0.25 $0.18 $0.25
Adjusted Weighted Average Diluted Shares Outstanding		 62.63M 62.42M 62.21M 62.30M 63.06M 64.78M 65.04M 65.76M 70.93M 69.82M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 64.58M 64.58M 64.44M 64.44M 64.54M 66.08M 67.38M 67.57M 68.23M 70.42M
Normalized Net Operating Profit after Tax (NOPAT)		 6.57 6.09 7.40 -8.43 9.84 10 1.95 17 11 18
Normalized NOPAT Margin		 17.52% 16.43% 19.20% -42.53% 22.80% 23.43% 5.37% 30.37% 21.29% 34.75%
Pre Tax Income Margin		 20.85% 19.36% 23.66% -60.75% 30.46% 30.02% 5.46% 40.02% 29.16% 47.56%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.16 0.14 0.19 -0.26 0.31 0.38 0.07 1.37 1.96 3.52
NOPAT to Interest Expense		 0.13 0.12 0.15 -0.18 0.23 0.30 0.07 1.04 1.43 2.57
EBIT Less CapEx to Interest Expense		 0.00 0.14 0.00 0.00 0.31 0.36 0.08 1.37 1.82 3.36
NOPAT Less CapEx to Interest Expense		 0.00 0.12 0.00 0.00 0.23 0.28 0.08 1.04 1.30 2.41
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 72.01% 61.95% 47.51% 45.44% 41.47%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 208.15% 219.60% 201.65% 237.19% 221.51%

Frequently Asked Questions About Kearny Financial's Financials

When does Kearny Financial's fiscal year end?

According to the most recent income statement we have on file, Kearny Financial's financial year ends in June. Their financial year 2024 ended on June 30, 2024.

How has Kearny Financial's net income changed over the last 3 years?

Kearny Financial's net income appears to be on a downward trend, with a most recent value of -$86.67 million in 2024, falling from $63.23 million in 2021. The previous period was $40.81 million in 2023. See Kearny Financial's forecast for analyst expectations on what’s next for the company.

How has Kearny Financial revenue changed over the last 3 years?

Over the last 3 years, Kearny Financial's total revenue changed from $209.26 million in 2021 to $140.60 million in 2024, a change of -32.8%.

How much debt does Kearny Financial have?

Kearny Financial's total liabilities were at $6.93 billion at the end of 2024, a 3.7% decrease from 2023, and a 11.0% increase since 2021.

How much cash does Kearny Financial have?

In the past 3 years, Kearny Financial's cash and equivalents has ranged from $17.20 million in 2024 to $26.09 million in 2022, and is currently $17.20 million as of their latest financial filing in 2024.

How has Kearny Financial's book value per share changed over the last 3 years?

Over the last 3 years, Kearny Financial's book value per share changed from 12.91 in 2021 to 11.69 in 2024, a change of -9.4%.


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This page (NASDAQ:KRNY) was last updated on 5/24/2025 by MarketBeat.com Staff
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