Stock Ratings / Financials / KRNY / financials

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Kearny Financial Corp (KRNY) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$9.23 +0.11% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.21

Kearny Financial Corp (KRNY) carries a Roarable Rating of D+ (Sell) with 52/100 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 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $599.3M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.21 (-0.17%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% 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 D+

Each axis scored 0–20

12M PRICE TARGET CONE-2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KRNY)Realized 20D OHLCV Swing Band: ±4.9%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY KRNY SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (27% 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 (25% 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$9.07-1.1% Next Q

Q2 (-2Q)

Grade D$8.97+3.7% Next Q

Q3 (-1Q)

Grade D$9.30-0.8% Next Q

Current

Grade D+$9.23-1.1% Hist 90D α

Trajectory: D (44) → D+ (52)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a KRNY Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While KRNY currently carries a cautious 52/100 (D+) rating due to Cash Engine Quality (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

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

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($9.45) and Max Pain ($9.69) forces dealer call-delta covering toward $10.75.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 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 52%NO 48%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How KRNY Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$21.4M (0.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$26.1M	$21.4M	3.4%
FY 2024	$4.00B	52%	0%	-$86.7M	$42.6M	3.4%
FY 2023	$4.00B	52%	0%	$40.8M	$69.5M	3.4%

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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KRNY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.80%📐 HORIZONTAL RANGE

2026-10-30O $9.27H $9.27L $9.10C $9.23VOL 410.9K

RES: $10.77SUP: $8.70SMA50: $9.45SMA200: $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 #765 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 #765 by composite RQD confidence (52/100, 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. NRIM currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with KRNY at 52/100 (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+	52/100	23.0x	—	3.4%	+0.11%	$599.3M	Benchmark Subject
PDLB Ponce Financial Group Inc.	C	65/100	19.9x	—	5.1%	+1.21%	$548.6M	/pdlb-vs-krny →
NRIM Northrim BanCorp Inc	B+	77/100	8.3x	—	19.8%	+0.83%	$537.9M	/nrim-vs-krny →
FMAO Farmers & Merchants Bancorp Inc.	C+	67/100	15.3x	—	9.0%	+1.48%	$510.7M	/fmao-vs-krny →
HTB HomeTrust Bancshares Inc.	C-	60/100	11.6x	—	10.7%	+0.68%	$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?

As of 2026-11-01, Kearny Financial Corp (NASDAQ: KRNY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $9.23 (+0.11% 1D, market cap $599.3M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, KRNY ranks #765 in composite RQD confidence.

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

Within the Financials sector (Savings Institutions), KRNY carries a Roarable D+ (52/100 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 (65/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M) and NRIM (Northrim BanCorp Inc) posts a B+ grade (77/100 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).

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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

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

KRNY last traded at $9.23 (+0.11% on volume of 530,674 shares), positioning the stock -2.33% below its 50-day simple moving average ($9.45) and +6.83% above its 200-day simple moving average ($8.64). Across its 52-week range of $6.23 to $10.24, KRNY sits at the 74.8% percentile with a 14-day RSI of 44.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($8.78 to $9.68).

KRNY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Kearny Financial Corp (KRNY)?

In FY 2025 (10-K), KRNY converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $21.4M in free cash flow (0.5% FCF margin).

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