KRNY Kearny Financial - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 21, 2026
$9.32
· of 52w range
· above low
· to high
$6.2352w low
$10.2452w high
Market Cap (MRQ)
$602M
P/E
16.4
EPS
$0.57
your badges
52W Range
$6–$10
Analyst Rating
BUY
Price Target
$11
P/E
16.4
ROE
4.8%
Net Profit Margin
20.4%
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KRNY Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$9.32
Market Cap (MRQ)
$602M
P/E
16.4
EPS
$0.57
Div Yield
4.6%
ROE
4.8%
52W Range
$6–$10
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| May 15, 2015 | 1310-for-949 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue·2020-06-30 → 2022-06-30
EPS$0.572017-06-30 → 2026-06-30
Free Cash Flow$35M2017-06-30 → 2026-06-30
Net margin20.4%2017-06-30 → 2026-06-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | KRNY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 16.45Y avg ≈10.1 | ≈10.1 | 11.3 | Overvalued | |
| P/S | 199.05Y avg ≈184.0 | ≈184.0 | 3.0 | Overvalued | |
| P/B (MRQ) | 0.85Y avg ≈0.7 | ≈0.7 | 1.3 | Undervalued | |
| Price / FCF | 17.15Y avg ≈12.5 | ≈12.5 | · | · | |
| Price / Cash Flow | 15.95Y avg ≈11.6 | ≈11.6 | 10.8 | Overvalued | |
| Price / Tangible Book (MRQ) | 0.85Y avg ≈0.8 | ≈0.8 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | KRNY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 26.6%5Y avg ≈719.6% | ≈719.6% | 36.0% | Weak | |
| Net Profit Margin | 20.4%5Y avg ≈523.3% | ≈523.3% | 29.5% | Weak | |
| ROA | 0.47%5Y avg ≈0.23% | ≈0.23% | 1.1% | Weak | |
| ROE | 4.8%5Y avg ≈1.9% | ≈1.9% | 9.3% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | KRNY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EPS YoY | 35.7%5Y avg ≈8.5% | ≈8.5% | · | · | |
| Net Income YoY | 39.1%5Y avg ≈2.1% | ≈2.1% | · | · | |
| EPS CAGR 3Y | -3.3%5Y avg ≈-7.5% | ≈-7.5% | · | · | |
| EPS CAGR 5Y | -5.8% | · | · | · | |
| Net Income CAGR 3Y | -3.9%5Y avg ≈-11.4% | ≈-11.4% | · | · | |
| Net Income CAGR 5Y | -10.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | KRNY | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield4.6%
Payout Ratio76.8%
Annualized Payout≈$0.44
5Y Div CAGR≈6.6%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 12, 2026 | $0.11 | USD | ≈4.6% |
| May 6, 2026 | $0.11 | USD | ≈5.4% |
| Feb 4, 2026 | $0.11 | USD | ≈5.4% |
| Nov 5, 2025 | $0.11 | USD | ≈6.8% |
| Aug 12, 2025 | $0.11 | USD | ≈7.3% |
| May 7, 2025 | $0.11 | USD | ≈7.0% |
| Feb 12, 2025 | $0.11 | USD | ≈6.1% |
| Nov 6, 2024 | $0.11 | USD | ≈5.3% |
| Aug 12, 2024 | $0.11 | USD | ≈7.4% |
| May 7, 2024 | $0.11 | USD | ≈7.9% |
| Feb 6, 2024 | $0.11 | USD | ≈6.6% |
| Nov 7, 2023 | $0.11 | USD | ≈5.9% |
| Aug 8, 2023 | $0.11 | USD | ≈5.2% |
| May 9, 2023 | $0.11 | USD | ≈6.3% |
| Feb 7, 2023 | $0.11 | USD | ≈4.3% |
| Nov 8, 2022 | $0.11 | USD | ≈4.8% |
| Aug 9, 2022 | $0.11 | USD | ≈3.7% |
| May 10, 2022 | $0.11 | USD | ≈3.7% |
| Feb 8, 2022 | $0.11 | USD | ≈3.1% |
| Nov 9, 2021 | $0.11 | USD | ≈3.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-12.5%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | $0.11 | $0.17 | -34.6% | |
| March 31, 2026 | $0.16 | $0.16 | -2.0% | |
| Dec. 31, 2025 | $0.15 | $0.18 | -16.0% | |
| Sept. 30, 2025 | $0.15 | $0.16 | -8.1% | |
| June 30, 2025 | $0.11 | $0.13 | -17.0% | |
| March 31, 2025 | $0.11 | $0.11 | 2.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | $3M | $2M | $2M | |
| Interest Expense | · | · | · | $118M | $30M | $50M | $84M | |
| Interest Income | $324M | $324M | $329M | $294M | $226M | $238M | $238M | |
| Pretax Income | $47M | $31M | $-81M | $52M | $92M | $84M | $57M | |
| Income Tax | $11M | $5M | $6M | $12M | $25M | $21M | $12M | |
| Net Income | $36M | $26M | $-87M | $41M | $68M | $63M | $45M | |
| EPS (Basic) | $0.58 | $0.42 | $-1.39 | $0.63 | $0.95 | $0.77 | $0.55 | |
| EPS (Diluted) | $0.57 | $0.42 | $-1.39 | $0.63 | $0.95 | $0.77 | $0.55 | |
| Shares (Basic) | 62,866,000 | 62,508,000 | 62,444,000 | 64,804,000 | 70,911,000 | 82,387,000 | 82,409,000 | |
| Shares (Diluted) | 63,220,000 | 62,716,000 | 62,444,000 | 64,804,000 | 70,933,000 | 82,391,000 | 82,430,000 |
Balance Sheet
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $115M | $167M | $64M | $71M | $102M | $68M | $181M | |
| PP&E (Net) | $42M | $44M | $45M | $48M | $53M | $56M | $57M | |
| PP&E (Gross) | $102M | $101M | $99M | $99M | $102M | $100M | $98M | |
| Accum. Depreciation | $59M | $57M | $54M | $51M | $48M | $44M | $40M | |
| Goodwill | $114M | $114M | $114M | $211M | $211M | $211M | $211M | |
| Intangibles | $968.0K | $1M | $2M | $2M | $3M | $4M | $4M | |
| Total Assets | $7.68B | $7.74B | $7.68B | $8.06B | $7.72B | $7.28B | $6.76B | |
| Short-term Debt | · | · | · | $1.51B | $901M | $686M | · | |
| Total Liabilities | $6.92B | $6.99B | $6.93B | $7.20B | $6.83B | $6.24B | $5.67B | |
| Total Debt | · | · | · | $1.51B | $901M | · | · | |
| Common Stock | $648.0K | $646.0K | $644.0K | $659.0K | $687.0K | $790.0K | $837.0K | |
| Retained Earnings | $350M | $342M | $343M | $458M | $445M | $408M | $388M | |
| AOCI | $-63M | $-72M | $-63M | $-69M | $-56M | $6M | $1M | |
| Stockholders' Equity | $767M | $746M | $754M | $869M | $894M | $1.04B | $1.08B | |
| Liabilities + Equity | $7.68B | $7.74B | $7.68B | $8.06B | $7.72B | $7.28B | $6.76B | |
| Shares Outstanding | 64,577,481 | 64,577,481 | 64,434,000 | 65,864,000 | 68,666,000 | 78,965,000 | 83,663,000 |
Cash Flow
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $4M | $3M | $4M | $5M | $6M | $8M | $8M | |
| Deferred Tax | $-350.0K | $-942.0K | $-867.0K | $3M | $5M | $5M | $1M | |
| Amort. of Intangibles | $468.0K | $495.0K | $526.0K | $563.0K | $685.0K | $980.0K | $1M | |
| Operating Cash Flow | $38M | $25M | $44M | $70M | $81M | $75M | $19M | |
| CapEx | $2M | $3M | $1M | $1M | $3M | $5M | $6M | |
| Investing Cash Flow | $11M | $41M | $258M | $-418M | $-480M | $-84M | $85M | |
| Dividends Paid | $28M | $28M | $28M | $28M | $31M | $29M | $24M | |
| Financing Cash Flow | $-101M | $38M | $-309M | $317M | $432M | $-105M | $37M | |
| Net Change in Cash | $-52M | $103M | $-7M | $-31M | $34M | $-113M | $142M | |
| Taxes Paid | $9M | $4M | $7M | $10M | $16M | $20M | $12M | |
| Free Cash Flow | $35M | $21M | $43M | $68M | $78M | $70M | $14M | |
| Levered FCF | · | · | · | $-24M | $57M | $33M | $-52M |
Profitability
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.4% | 16.9% | -61.6% | 22.9% | 2618.1% | 30.2% | 26.6% | |
| Pretax Margin | 26.6% | 20.1% | -57.5% | 29.3% | 3579.3% | 40.4% | 33.9% | |
| ROA | 0.47% | 0.34% | -1.1% | 0.52% | 0.90% | 0.90% | 0.67% | |
| ROE | 4.8% | 3.5% | -10.8% | 4.7% | 7.3% | 6.0% | 4.2% |
Liquidity & Solvency
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | 1.7 | 1.0 | · | · |
Efficiency
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $11.87 | $11.58 | $11.70 | $13.20 | $13.02 | $13.21 | $12.96 | |
| Revenue / Share | $2.82 | $2.46 | $2.25 | $2.76 | $0.04 | $2.54 | $2.05 | |
| Cash Flow / Share | $0.60 | $0.40 | $0.70 | $1.07 | $1.15 | $0.92 | $0.24 | |
| Cash / Share | $1.78 | $2.60 | $0.99 | $1.07 | $1.48 | $0.86 | $2.16 | |
| Dividend / Share | $0.44 | $0.44 | $0.44 | $0.43 | $0.43 | $0.35 | $0.29 | |
| EPS (TTM) | $0.57 | $0.42 | $-1.39 | $0.63 | $0.95 | $0.77 | $0.55 |
Growth Rates
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | · | · | · | · | 36.0% | -7.5% | · | |
| EPS YoY | 35.7% | · | · | -33.7% | 23.4% | 40.0% | · | |
| EPS CAGR 3Y | -3.3% | -23.8% | · | 4.6% | · | · | · | |
| EPS CAGR 5Y | -5.8% | -5.2% | · | · | · | · | · | |
| Net Income YoY | 39.1% | · | · | -39.6% | 6.8% | 40.6% | · | |
| Net Income CAGR 3Y | -3.9% | -27.2% | · | -3.2% | · | · | · | |
| Net Income CAGR 5Y | -10.5% | -10.3% | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | -0.57% | 2.8% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $3M | $3M | $3M | $3M | $3M | $2M | $2M | |
| Net Income TTM | $36M | $26M | $-87M | $41M | $68M | $63M | $45M | |
| Market Cap | $611M | $416M | $396M | $464M | $763M | $944M | $684M | |
| Enterprise Value | · | · | · | $1.90B | $1.56B | · | · | |
| P/E | 16.6 | 15.4 | -4.4 | 11.2 | 11.7 | 15.5 | 14.9 | |
| P/S | 202.0 | 137.6 | 131.0 | 153.6 | 295.7 | 497.4 | 333.7 | |
| P/B | 0.8 | 0.6 | 0.5 | 0.5 | 0.9 | 0.9 | 0.6 | |
| P / Tangible Book | 0.9 | 0.7 | 0.6 | 0.7 | 1.1 | 1.1 | 0.8 | |
| P / Cash Flow | 16.2 | 16.8 | 9.0 | 6.7 | 9.4 | 12.5 | 34.5 | |
| P / FCF | 17.3 | 19.5 | 9.3 | 6.8 | 9.7 | 13.5 | 49.4 | |
| EV / FCF | · | · | · | 27.9 | 19.9 | · | · | |
| EV / Revenue | · | · | · | 628.5 | 605.7 | · | · | |
| Dividend Yield | 4.6% | 6.6% | 7.0% | 6.1% | 4.0% | 3.0% | 3.5% | |
| Earnings Yield | 6.0% | 6.5% | -22.6% | 8.9% | 8.6% | 6.4% | 6.7% | |
| Payout Ratio | 76.8% | 106.0% | -31.8% | 69.8% | 45.4% | 45.3% | 53.6% | |
| Annual Payout | $28M | $28M | $28M | $28M | $31M | $29M | $24M |
Income Statement
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | · | · | · | · | · | · | · | · | $910.0K | $734.0K | $763.0K | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $48M | $47M | $42M | · | $35M | $28M | $16M | |
| Interest Income | $82M | $79M | $81M | $83M | $80M | $79M | $81M | $83M | $83M | $82M | $83M | $81M | $80M | $77M | $72M | $64M | |
| Pretax Income | $11M | $13M | $12M | $12M | $8M | $8M | $8M | $7M | $-91M | $9M | $-12M | $13M | $15M | $13M | $2M | $22M | |
| Income Tax | $4M | $3M | $2M | $2M | $1M | $1M | $1M | $1M | $-917.0K | $2M | $2M | $3M | $3M | $3M | $33.0K | $5M | |
| Net Income | $7M | $10M | $9M | $10M | $7M | $7M | $7M | $6M | $-90M | $7M | $-14M | $10M | $12M | $10M | $2M | $17M | |
| EPS (Basic) | $0.12 | $0.16 | $0.15 | $0.15 | $0.10 | $0.11 | $0.11 | $0.10 | $-1.45 | $0.12 | $-0.22 | $0.16 | $0.19 | $0.16 | $0.03 | $0.25 | |
| EPS (Diluted) | $0.11 | $0.16 | $0.15 | $0.15 | $0.11 | $0.11 | $0.10 | $0.10 | $-1.45 | $0.12 | $-0.22 | $0.16 | $0.19 | $0.16 | $0.03 | $0.25 | |
| Shares (Basic) | · | 62,908,000 | 62,858,000 | 62,741,000 | · | 62,548,000 | 62,498,000 | 62,389,000 | · | 62,205,000 | 62,299,000 | 63,014,000 | · | 64,769,000 | 65,030,000 | 65,737,000 | |
| Shares (Diluted) | · | 63,251,000 | 63,061,000 | 62,951,000 | · | 62,713,000 | 62,630,000 | 62,420,000 | · | 62,211,000 | 62,299,000 | 63,061,000 | · | 64,783,000 | 65,038,000 | 65,756,000 |
Balance Sheet
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $115M | $124M | $147M | $130M | $167M | $126M | $142M | $156M | $64M | $71M | $74M | $57M | · | $195M | $76M | $96M | |
| PP&E (Net) | $42M | $42M | $43M | $43M | $44M | $44M | $45M | $45M | $45M | $45M | $46M | $47M | · | $50M | $51M | $53M | |
| PP&E (Gross) | $102M | · | · | · | $101M | · | · | · | $99M | · | · | · | · | · | · | · | |
| Accum. Depreciation | $59M | · | · | · | $57M | · | · | · | $54M | · | · | · | · | · | · | · | |
| Goodwill | $114M | $114M | $114M | $114M | $114M | $114M | $114M | $114M | $114M | $211M | $211M | $211M | $211M | $211M | $211M | $211M | |
| Intangibles | $968.0K | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | · | · | |
| Total Assets | $7.68B | $7.61B | $7.62B | $7.65B | $7.74B | $7.73B | $7.73B | $7.77B | $7.68B | $7.84B | $7.90B | $7.97B | · | $8.35B | $8.29B | $7.89B | |
| Short-term Debt | · | · | · | · | · | · | · | · | · | · | $1.67B | $1.63B | · | $1.61B | $1.38B | $851M | |
| Total Liabilities | $6.92B | $6.84B | $6.86B | $6.89B | $6.99B | $6.99B | $6.99B | $7.02B | $6.93B | $6.99B | $7.05B | $7.13B | · | $7.48B | $7.42B | $7.01B | |
| Total Debt | · | · | · | · | · | · | · | · | · | · | $1.67B | $1.63B | · | $1.61B | $1.38B | $851M | |
| Common Stock | $648.0K | $648.0K | $648.0K | $648.0K | $646.0K | $646.0K | $646.0K | $646.0K | $644.0K | $644.0K | $645.0K | $652.0K | · | $667.0K | $674.0K | $680.0K | |
| Retained Earnings | $350M | $350M | $347M | $344M | $342M | $342M | $342M | $343M | $343M | $440M | $440M | $460M | · | $453M | $449M | $455M | |
| AOCI | $-63M | $-65M | $-67M | $-68M | $-72M | $-69M | $-72M | $-65M | $-63M | $-64M | $-64M | $-86M | · | $-73M | $-69M | $-76M | |
| Stockholders' Equity | $767M | $763M | $757M | $753M | $746M | $748M | $745M | $752M | $754M | $849M | $848M | $850M | $869M | $866M | $873M | $875M | |
| Liabilities + Equity | $7.68B | $7.61B | $7.62B | $7.65B | $7.74B | $7.73B | $7.73B | $7.77B | $7.68B | $7.84B | $7.90B | $7.97B | · | $8.35B | $8.29B | $7.89B | |
| Shares Outstanding | 64,577,481 | 64,739,151 | 64,739,151 | 64,739,151 | 64,577,481 | 64,579,683 | 64,579,683 | 64,579,683 | 64,434,000 | 64,436,995 | 64,445,270 | 65,132,410 | 65,864,000 | 66,679,988 | 67,387,871 | 67,937,671 |
Cash Flow
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $969.0K | $956.0K | $847.0K | $915.0K | $525.0K | $1M | $680.0K | $993.0K | $447.0K | $1M | $1M | $902.0K | $1M | $1M | $1M | |
| Deferred Tax | $-2M | $31.0K | $-338.0K | $2M | $-955.0K | $-745.0K | $-117.0K | $875.0K | $-3M | $-1M | $1M | $2M | $-361.0K | $-386.0K | $229.0K | $3M | |
| Amort. of Intangibles | $113.0K | $118.0K | $118.0K | $119.0K | $118.0K | $125.0K | $126.0K | $126.0K | $126.0K | $132.0K | $134.0K | $134.0K | $133.0K | $142.0K | $144.0K | $144.0K | |
| Operating Cash Flow | $14M | $8M | $14M | $2M | $8M | $17M | $-3M | $3M | $7M | $18M | $7M | $12M | $12M | $22M | $15M | $21M | |
| CapEx | · | · | · | · | · | · | · | · | · | · | · | · | $100.0K | $587.0K | $-217.0K | $885.0K | |
| Investing Cash Flow | $-86M | $-8M | $42M | $62M | $30M | $-19M | $16M | $14M | $56M | $41M | $96M | $65M | $157M | $50M | $-419M | $-206M | |
| Dividends Paid | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Financing Cash Flow | $63M | $-24M | $-40M | $-101M | $3M | $-14M | $-27M | $75M | $-70M | $-62M | $-86M | $-90M | $-293M | $48M | $383M | $180M | |
| Net Change in Cash | $-9M | $-24M | $17M | $-37M | $41M | $-15M | $-14M | $92M | $-7M | $-3M | $17M | $-13M | $-124M | $119M | $-20M | $-6M | |
| Taxes Paid | $3M | $3M | $500.0K | $3M | $545.0K | $2M | $225.0K | $1M | $2M | $500.0K | $250.0K | $4M | $1M | $300.0K | $2M | $6M | |
| Free Cash Flow | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $20M | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $8M |
Profitability
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | 22.4% | 21.7% | 21.8% | · | 17.2% | 17.5% | 16.4% | · | 19.2% | -69.7% | 22.8% | · | 1133.2% | 265.8% | 2167.1% | |
| Pretax Margin | · | 27.9% | 27.1% | 27.5% | · | 20.3% | 20.8% | 19.4% | · | 23.7% | -60.8% | 30.5% | · | 1452.1% | 270.3% | 2855.8% | |
| ROA | · | 0.13% | 0.12% | 0.12% | · | 0.09% | 0.08% | 0.08% | · | 0.09% | -0.17% | 0.12% | · | 0.13% | 0.03% | 0.22% | |
| ROE | · | 1.3% | 1.3% | 1.3% | · | 0.83% | 0.82% | 0.76% | · | 0.86% | -1.6% | 1.1% | · | 1.1% | 0.21% | 1.8% |
Liquidity & Solvency
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | · | · | · | · | · | · | 2.0 | 1.9 | · | 1.9 | 1.6 | 1.0 |
Efficiency
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | $11.79 | $11.70 | $11.63 | · | $11.58 | $11.53 | $11.64 | · | $13.18 | $13.16 | $13.04 | · | $12.99 | $12.95 | $12.88 | |
| Revenue / Share | · | $0.72 | $0.69 | $0.69 | · | $0.62 | $0.60 | $0.59 | · | $0.62 | $0.32 | $0.68 | · | $0.01 | $0.01 | $0.01 | |
| Cash Flow / Share | · | · | · | $0.02 | · | · | · | $0.04 | · | · | · | $0.19 | · | · | · | $0.31 | |
| Cash / Share | · | $1.91 | $2.28 | $2.01 | · | $1.95 | $2.19 | $2.41 | · | $1.10 | $1.15 | $0.88 | · | $2.92 | $1.12 | $1.41 | |
| Dividend / Share | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.11 | $0.10 | $0.11 | $0.11 | $0.11 | |
| EPS (TTM) | · | $0.57 | $0.52 | $0.47 | · | $-1.14 | $-1.13 | $-1.45 | · | $0.25 | $0.29 | $0.54 | · | $0.62 | $0.71 | $0.94 |
Valuation (TTM)
| Metric | Trend | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | · | $36M | $32M | $29M | · | $-71M | $-70M | $-90M | · | $15M | $18M | $34M | · | $40M | $48M | $64M | |
| Market Cap | · | $489M | $480M | $425M | · | $404M | $457M | $444M | · | $415M | $578M | $451M | · | $541M | $684M | $721M | |
| Enterprise Value | · | · | · | · | · | · | · | · | · | · | $2.17B | $2.02B | · | $1.96B | $1.99B | $1.48B | |
| P/E | · | 13.2 | 14.2 | 14.0 | · | -5.5 | -6.3 | -4.7 | · | 25.8 | 30.9 | 12.8 | · | 13.1 | 14.3 | 11.3 | |
| P/B | · | 0.6 | 0.6 | 0.6 | · | 0.5 | 0.6 | 0.6 | · | 0.5 | 0.7 | 0.5 | · | 0.6 | 0.8 | 0.8 | |
| P / Tangible Book | · | 0.8 | 0.7 | 0.7 | · | 0.6 | 0.7 | 0.7 | · | 0.7 | 0.9 | 0.7 | · | 0.8 | 1.0 | 1.1 | |
| P / Cash Flow | · | · | · | 282.8 | · | · | · | 174.7 | · | · | · | 36.7 | · | · | · | 34.8 | |
| Dividend Yield | · | 5.7% | 5.8% | 6.5% | · | 6.8% | 6.0% | 6.2% | · | 6.7% | 4.8% | 6.3% | · | 5.3% | 4.3% | 4.2% | |
| Earnings Yield | · | 7.5% | 7.0% | 7.1% | · | -18.2% | -16.0% | -21.1% | · | 3.9% | 3.2% | 7.8% | · | 7.6% | 7.0% | 8.8% | |
| Payout Ratio | · | · | · | 74.6% | · | · | · | 115.1% | · | · | · | 71.2% | · | · | · | 43.8% | |
| Annual Payout | · | $28M | $28M | $28M | · | $28M | $28M | $28M | · | $28M | $28M | $28M | · | $29M | $29M | $31M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Revenue | · | · | · | · | $3M |
| Net Income | $36M | $26M | $-87M | $41M | $68M |
| Diluted EPS | $0.57 | $0.42 | $-1.39 | $0.63 | $0.95 |
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Debt / Equity | · | · | · | 1.7 | 1.0 |
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $35M | $21M | $43M | $68M | $78M |
Institutional owners (13F) 182 filers · $442.2M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
182
Value held
$442.2M
New positions
20
Exited positions
14
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 20 (-5 vs prior Q) | 14 (-11 vs prior Q) | 79 (+12 vs prior Q) | 44 (-4 vs prior Q) | +3.6M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $84,461,366 | 8,928,263 | 19.10% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $28,317,327 | 2,993,483 | 6.40% | Shares |
| VANGUARD GROUP INC | $25,178,016 | 3,397,843 | 5.69% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $24,360,673 | 2,575,124 | 5.51% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $23,458,236 | 2,479,729 | 5.30% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $21,130,641 | 2,233,683 | 4.78% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $20,114,245 | 2,126,241 | 4.55% | Shares |
| STATE STREET CORP | $17,087,740 | 1,806,315 | 3.86% | Shares |
| TWO SIGMA INVESTMENTS, LP | $15,780,434 | 1,668,122 | 3.57% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $14,775,989 | 1,561,473 | 3.34% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $14,590,650 | 1,542,352 | 3.30% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $11,667,396 | 1,233,340 | 2.64% | Shares |
| Invesco Ltd. | $7,421,625 | 784,527 | 1.68% | Shares |
| TWO SIGMA ADVISERS, LP | $6,917,050 | 933,475 | 1.56% | Shares |
| ICON ADVISERS INC/CO | $6,871,744 | 726,400 | 1.55% | Shares |
| UBS Group AG | $5,879,607 | 621,523 | 1.33% | Shares |
| GOLDMAN SACHS GROUP INC | $5,840,794 | 617,420 | 1.32% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $5,488,881 | 580,220 | 1.24% | Shares |
| NORTHERN TRUST CORP | $5,126,401 | 541,903 | 1.16% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $4,610,851 | 487,405 | 1.04% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,724,563 | 393,717 | 0.84% | Shares |
| Creative Planning | $3,720,155 | 393,251 | 0.84% | Shares |
| Bank of New York Mellon Corp | $3,684,683 | 389,501 | 0.83% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,619,358 | 382,596 | 0.82% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,615,347 | 382,172 | 0.82% | Shares |
| CITADEL ADVISORS LLC | $3,580,761 | 378,516 | 0.81% | Shares |
| ALGERT GLOBAL LLC | $3,509,461 | 370,979 | 0.79% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $3,377,381 | 357,017 | 0.76% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $3,048,561 | 322,258 | 0.69% | Shares |
| Quantinno Capital Management LP | $2,962,414 | 313,151 | 0.67% | Shares |
| HENNESSY ADVISORS INC | $2,743,400 | 290,000 | 0.62% | Shares |
| WHITE PINE CAPITAL LLC | $2,627,704 | 277,770 | 0.59% | Shares |
| MORGAN STANLEY | $2,563,361 | 270,968 | 0.58% | Shares |
| BANK OF AMERICA CORP /DE/ | $2,390,419 | 252,687 | 0.54% | Shares |
| Empowered Funds, LLC | $2,324,417 | 245,710 | 0.53% | Shares |
| AMERIPRISE FINANCIAL INC | $2,178,458 | 230,281 | 0.49% | Shares |
| ALLIANCEBERNSTEIN L.P. | $2,149,621 | 284,718 | 0.49% | Shares |
| FIRST TRUST ADVISORS LP | $2,041,108 | 215,762 | 0.46% | Shares |
| Nuveen, LLC | $1,880,695 | 198,805 | 0.43% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,772,217 | 187,338 | 0.40% | Shares |
| IEQ CAPITAL, LLC | $1,646,350 | 174,033 | 0.37% | Shares |
| River Wealth Advisors LLC | $1,579,310 | 166,946 | 0.36% | Shares |
| Schonfeld Strategic Advisors LLC | $1,417,153 | 149,805 | 0.32% | Shares |
| BAILARD, INC. | $1,133,545 | 119,825 | 0.26% | Shares |
| Vanguard Global Advisers, LLC | $1,077,239 | 113,873 | 0.24% | Shares |
| Focus Partners Wealth | $939,170 | 99,278 | 0.21% | Shares |
| D. E. Shaw & Co., Inc. | $883,328 | 93,375 | 0.20% | Shares |
| BARCLAYS PLC | $871,019 | 92,074 | 0.20% | Shares |
| TD Asset Management Inc | $815,566 | 86,212 | 0.18% | Shares |
| Russell Investments Group, Ltd. | $812,542 | 85,893 | 0.18% | Shares |
Company insiders 27 insiders · 9 officers · 13 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Sean Byrnes | EVP and CFO | Aug. 7, 2026 F | 42,394 | 0 | 0 | $0 |
| Keith Suchodolski | SEVP and COO | Aug. 7, 2026 F | 117,156 | 0 | 0 | $0 |
| Eric B Heyer | SEVP and COO | Dec. 1, 2021 F | 76,225 | 0 | 0 | $0 |
| William C Ledgerwood | SEVP & COO | Dec. 1, 2017 F | 158,863 | 0 | 0 | $0 |
| Cassia J. Beierle | EVP and General Counsel | Aug. 7, 2026 F | 36,550 | 0 | 0 | $0 |
| Timothy A Swansson | EVP and CTIO | Aug. 7, 2026 F | 62,428 | 0 | 5 | $-30,392 |
| Thomas Demedici | EVP and CCO | Aug. 7, 2026 F | 86,109 | 0 | 0 | $0 |
| John V Dunne | EVP and CRO | June 1, 2025 F | 52,156 | 0 | 0 | $0 |
| Sharon Jones | EVP & Corporate Secretary | Dec. 1, 2017 F | 129,548 | 0 | 0 | $0 |
| Melvina Wong-Zaza | Director | Sept. 17, 2026 P | 35,470 | 2 | 0 | $45,033 |
| Curtland E Fields | Director | July 27, 2026 P | 57,900 | 14 | 0 | $319,470 |
| Charles J Pivirotto | Director | May 13, 2024 P | 59,573 | 0 | 0 | $0 |
| Christopher Petermann | Director | Feb. 8, 2024 P | 56,139 | 0 | 0 | $0 |
| John F Mcgovern | Director | Sept. 13, 2023 P | 300,000 | 0 | 0 | $0 |
| John J Mazur Jr | Director | March 17, 2023 P | 221,059 | 0 | 0 | $0 |
| John F Regan | Director | March 10, 2023 P | 116,521 | 0 | 0 | $0 |
| Raymond E. Chandonnet | Director | Dec. 13, 2021 S | 55,848 | 0 | 0 | $0 |
| Theodore J Aanensen | Director | Dec. 9, 2020 S | 134,148 | 0 | 0 | $0 |
| Catherine A Lawton | Director | March 3, 2020 P | 60,000 | 0 | 0 | $0 |
| Matthew T Mcclane | Director | Dec. 9, 2019 S | 124,472 | 0 | 0 | $0 |
| Joseph P Mazza | Director | Dec. 18, 2017 S | 205,548 | 0 | 0 | $0 |
| John N Hopkins | Director | Dec. 1, 2016 A | 501,700 | 0 | 0 | $0 |
| Leopold W Montanaro | · | Aug. 10, 2026 P | 270,000 | 1 | 0 | $45,153 |
| Anthony V Bilotta JR | · | Aug. 7, 2026 F | 98,546 | 0 | 0 | $0 |
| Craig Montanaro | · | Aug. 7, 2026 F | 300,521 | 0 | 0 | $0 |
| Patrick M Joyce | · | Aug. 7, 2026 F | 55,410 | 0 | 4 | $-51,749 |
| Erika K Parisi | · | Aug. 7, 2026 F | 168,131 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 27 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| KBWD · Invesco Exchange-Traded Fund Trust … | 1.29% | 512,305 SH | Oct. 1, 2026 | Daily |
| MYLD · Cambria ETF Trust | 1.00% | 35,477 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.14% | 202,289 SH | Sept. 11, 2026 | Daily |
| VFVA · VANGUARD WELLINGTON FUND | 0.10% | 90,360 SH | Aug. 19, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.06% | 27,297 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.04% | 372,132 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 51,240 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 1,630,901 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 339,679 SH | Aug. 19, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 28,075 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 5,078 SH | Oct. 1, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 50,426 SH | Oct. 1, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 183,177 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 673,852 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 93,315 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 134,839 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 177,754 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 6,275 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 3,897 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 103,596 SH | Sept. 11, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 11,992 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 16,090 SH | Sept. 3, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 17,225 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 44 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,842,278 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 5,626 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 584,051 SH | Sept. 11, 2026 | Daily |
KRNY Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$10.50
+12.7%
2 22.2%
Strong Buy
5 55.6%
Buy
2 22.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-09-29Mean target $10.67 +14.4%
← Below all targets
Current price $9.32
Low$10.50
Mean$10.67
High$11.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| KRNY | $611M | 16.6 | · | 20.4% | 4.8% | · |
| ACNB | $501M | 13.4 | 45.1% | 19.3% | 9.1% | · |
| HIFS | · | · | · | · | · | · |
| CCB | $1.73B | 37.4 | -6.8% | 8.7% | 9.9% | · |
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | · |
| GCBC | $572M | 13.9 | 22.9% | 44.3% | 15.3% | · |
| BWB | $487M | 11.8 | 30.8% | 32.1% | 9.3% | · |
| SFST | $423M | 13.8 | 13.0% | 483.4% | 8.5% | · |
| CIVB | · | 8.4 | -0.52% | 242.9% | 9.8% | · |
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-K filed Aug 21, 2026