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Kearny Financial Corp.: Business Overview, Financials & Competitive Analysis

Kearny Financial Corp. scores 6/10 on the AskCyborg Cyborg Score (Solid). Small-cap community bank with improving operational efficiency and attractive dividend yield positioned for near-term earnings growth. Kearny demonstrates solid fundamentals with expanding margins, declining non-performing assets, and active digital transformation. However, limited scale with ~$7.6B in assets and below-market earnings volatility constrain the rating.

What is Kearny Financial Corp.'s industry? Kearny Financial Corp. (kearnycorp.com) operates in Community Banking / Savings & Loan. AskCyborg classifies Kearny Financial Corp. under Community Banking / Savings & Loan in its company registry.

Kearny Financial Corp. is the holding company for Kearny Bank, a savings institution focused on real estate-secured lending and deposit gathering in New Jersey and New York. The bank provides traditional deposit produ...

6/ 10Solid

Cyborg Score thesis

Small-cap community bank with improving operational efficiency and attractive dividend yield positioned for near-term earnings...

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Industry Community Banking / Savings & Loan
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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What's in This Report
Kearny Financial Corp. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Kearny Financial Corp. Overview

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Kearny Financial Corp. is the holding company for Kearny Bank, a savings institution focused on real estate-secured lending and deposit gathering in New Jersey and New York. The bank provides traditional deposit products and mortgage lending services with a disciplined risk management approach.

Strategic Profile

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Kearny is executing a digital transformation initiative in partnership with The Lab Consulting to implement automation and AI capabilities across operations. The company benefits from a liability-sensitive balance sheet positioned to gain from lower interest rates, with expanding net interest margins and improving asset quality metrics.

Competitive Landscape

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Kearny competes in the crowded community bank segment against larger regional players (OceanFirst, Northfield Bancorp) and national lenders. Differentiation through digital transformation and superior margin management provides competitive advantage. P/E ratio of 16.72 is broadly market-aligned despite smaller scale.

Industry Context

Kearny Financial Corp. operates in Community Banking / Savings & Loan.

Key facts

Founded: 1884 · Headquarters: Fairfield, NJ, United States · Employees: 504 · Revenue: $42.80M · Market cap: $517.91M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Kearny Financial Corp..

  • Net interest margin expanded 32 basis points year-over-year to 2.14%, driven by strategic balance sheet remix and loan repricing
  • Non-performing assets declined 20.6% to $51.3M (0.67% of total assets), demonstrating improving credit quality
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Q2 FY2026 net income of $9.4M ($0.15 EPS), essentially flat quarter-over-quarter; non-performing assets declined 20.6%
  • January 2026Announced strategic partnership with The Lab Consulting for operational efficiency through automation and AI
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Community BankingRegional bank with larger asset base serving NY/NJ region→Community BankingLarger community bank focused on NYC metro area→Community BankingRegional community bank competitor→

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Industry context

Kearny Financial Corp. operates in Community Banking / Savings & Loan. See how the rest of the sector scores on the Cyborg framework.

Top companies in Community Banking by Cyborg Score

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Frequently asked questions

What does Kearny Financial Corp. do?+
Kearny Financial Corp. is the holding company for Kearny Bank, a savings institution focused on real estate-secured lending and deposit gathering in New Jersey and New York. The bank provides traditional deposit produ...
What is Kearny Financial Corp.'s Cyborg Score?+
Kearny Financial Corp. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Kearny Financial Corp.'s main competitors?+
Named competitors include Community Banking, Community Banking, Community Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full Kearny Financial Corp. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Kearny Financial Corp. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Community Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

7Civista Bancshares, Inc.7Hingham Institution for Savings7Origin Bancorp, Inc.7Parke Bancorp, Inc.7Peoples Financial Services Corp.7Timberland Bancorp, Inc.6Community Trust Bancorp, Inc.6HomeTrust Bancshares, Inc.6Southern States Bancshares, Inc.5CoastalSouth Bancshares, Inc.Top companies in Community Banking by Cyborg Score