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Kearny Financial (KRNY) earnings and revenue breakdown
Latest: Q1 FY27 · 10-Q filed Nov 5, 2026 · Kearny Financial (KRNY) Q1 FY27 earnings results →
Q1 FY27 Revenue up 4% year over year to $45.3M · 22¢ of every $1 of revenue kept as net profit · operating margin 28.0%
Kearny Financial made $45.3M in Q1 FY27 (+4% Y/Y): Net interest income $40.1M, Noninterest income $5.2M. Operating margin 28.0%, net earnings $10.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $45.3M in Q1 FY27, up 4% year over year and down 1% from the previous quarter. Net interest income was the largest line at 89% of revenue. Net interest income added $2.4M year over year (up 6%), 137% of the total change. Noninterest income declined 11%.
Operating profit was $12.7M, a 28.0% margin (up 0.5 points year over year). Of the extra revenue versus a year earlier, 40% reached operating profit, above the 27% margin then. Total costs grew 3% against revenue growth of 4%. Net earnings were $10.0M, up 6% year over year. The effective tax rate was 20.7%.
Operating cash flow was $9.3M (up 520% year over year), 93% of net earnings. Non-cash charges added back $1.0M of depreciation and amortization and $942K of share-based compensation. Working capital and other items used $2.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q1 FY27 | 10-Q | Nov 5, 2026 | $45.3M | +4% | 28.0% | $10.0M | $9.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Kearny Financial
This Annual Report on Form 10-K contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and words of similar meaning. These forward-looking statements include, but are not limited to: These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of the Annual Report on Form 10-K.
In its own words, from its 10-K, filed Aug 21, 2026.
Kearny Financial against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +4% against the peers' median +8%. Operating margin: 28.0% against the peers' median 37.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
| FMAO Farmers & Merchants Bancorp | Q3 2026 | $34.8M | +11% | 40.8% |
Source: Kearny Financial 10-Q on SEC EDGAR · CIK 1617242 · Savings Institution, Federally Chartered
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History
Every quarter: Q1 FY27 results