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

Kearny Financial Corp (KRNY) — RQD Stock Rating Cockpit

$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?

▼

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?

▼

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?

▼

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 →

RSI-14 MOMENTUMNEUTRAL RANGE

50.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE72% OF RANGE

L: $6$9.12H: $10

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on KRNY

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (35)

3.4% ROIC with 42.0% gross margin and 3.57% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (58)

24/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like KRNY

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

Bear Case: What Could Go Wrong

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

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

Should I buy, hold, or sell KRNY stock right now?

Kearny Financial Corp (KRNY) currently earns a Roarable Rating of D+ (Sell — SELL) with 55/100 RQD Confidence. Stretched risk/reward at 23x P/E (3% return on capital) under elevated 10-year interest-rate pressure.

What is KRNY's 12-month price target and RQD AI Jury consensus?

KRNY's 12-month base price target is $9 (range $7.02 to $10.75), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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