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Kearny FinancialKRNY -0.63%55 FCF Margin % is 16.81% as of Mar. 2026, which is 45% below its 10-year median of 30.30. GuruFocus rates KRNY with a GF Score™ of 55/100 and a GF Value™ of $7.27 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,503 Banks companies, Kearny Financial ranks worse than 62.41% on this metric.
The historical data trend for Kearny Financial's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Kearny Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Kearny Financial FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kearny Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Kearny Financial's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Kearny Financial (KRNY) has a FCF Margin % of 16.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Kearny Financial and its competitors. This is 45% below median its historical median of 30.30. Over the past decade, Kearny Financial's FCF Margin % has ranged from 7.90 to 38.18. According to the industry distribution chart, Kearny Financial ranks #938 out of 1503 companies in the Banks industry, placing it in the top 62.4%.
Is Kearny Financial's FCF Margin % too high?
Kearny Financial's current FCF Margin % of 16.81% is 45% below median its 10-year median of 30.30. Over the past 10 years, this metric has ranged from a low of 7.90 to a high of 38.18. The Banks industry median FCF Margin % is 26.42. Kearny Financial's value of 16.81% is 36.4% below this industry median. Based on the distribution chart, Kearny Financial ranks #938 out of 1503 companies in the Banks industry, which is below the industry midpoint. Overall, Kearny Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kearny Financial's FCF Margin % compare to CBNK and NPB?
According to the Banks industry distribution chart, Kearny Financial ranks #938 out of 1503 companies for FCF Margin %. This places Kearny Financial in the lower half of its industry. The industry median FCF Margin % is 26.42. Kearny Financial's value of 16.81% is 36.4% below this benchmark. Historically, Kearny Financial's own FCF Margin % has ranged from 7.90 to 38.18 over the past decade. While the company's 10-year median is 30.30 vs. the industry median of 26.42, Kearny Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kearny Financial's current FCF Margin % of 16.81% is 36.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Kearny Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kearny Financial's current FCF Margin % is 16.81%, which is 45% below median its own 10-year median of 30.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kearny Financial stock overvalued right now?
Based on GuruFocus' analysis, Kearny Financial (KRNY) is currently considered Modestly Overvalued. The stock's GF Value™ is $7.27, compared to a current price of $9.46 — trading 30.1% above its estimated fair value. The current FCF Margin % is 16.81%, which is 45% below median its 10-year median of 30.30 and 36.4% below the Banks industry median of 26.42. Kearny Financial's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Kearny Financial (KRNY), the current FCF Margin % is 16.81% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Kearny Financial (KRNY) Overvalued in 2026?
Based on GuruFocus' analysis, Kearny Financial stock appears to be overvalued.
The current stock price of $9.46 is trading 30.1% above its estimated GF Value™ of $7.27.
GuruFocus considers Kearny Financial to be Modestly Overvalued.
Key valuation signals for KRNY:
FCF Margin %: 16.81% (45% below median its 10-year median of 30.30)
GF Value™: $7.27 vs. price of $9.46 (30.1% above fair value)
Industry Position: 36.4% below the Banks median (#938 of 1503)
No single metric tells the full story. See the KRNY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kearny Financial Corp is a federally-chartered stock savings bank. The bank is engaged in the business of attracting deposits from the general public in New Jersey and New York, and using these deposits, together with other funds, to originate or purchase loans for its portfolios and invest in securities. The bank's loan portfolio is chiefly comprised of loans collateralized by commercial and residential real estate. The bank's primary source of income is net interest income.
55GF Score
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