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Kearny FinancialKRNY -1.26%55 Net Margin % is 22.36% as of Mar. 2026, which is 12% above its 10-year median of 19.89. 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 1,526 Banks companies, Kearny Financial ranks worse than 70.12% on this metric.
Kearny Financial (NAS:KRNY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Kearny Financial Net Margin % Related Terms
Kearny Financial Net Margin % Historical Data
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The historical data trend for Kearny Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kearny Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Kearny Financial's Net 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 Net Margin % of 22.36% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Kearny Financial and its competitors. This is 12% above median its historical median of 19.89. According to the industry distribution chart, Kearny Financial ranks #1070 out of 1526 companies in the Banks industry, placing it in the top 70.1%.
Is Kearny Financial's Net Margin % too high?
Kearny Financial's current Net Margin % of 22.36% is 12% above median its 10-year median of 19.89. The Banks industry median Net Margin % is 27.10. Kearny Financial's value of 22.36% is 17.5% below this industry median. Based on the distribution chart, Kearny Financial ranks #1070 out of 1526 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 Net Margin % compare to CBNK and NPB?
According to the Banks industry distribution chart, Kearny Financial ranks #1070 out of 1526 companies for Net Margin %. This places Kearny Financial in the lower half of its industry. The industry median Net Margin % is 27.10. Kearny Financial's value of 22.36% is 17.5% below this benchmark. While the company's 10-year median is 19.89 vs. the industry median of 27.10, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kearny Financial's current Net Margin % of 22.36% is 17.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Kearny Financial and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kearny Financial's current Net Margin % is 22.36%, which is 12% above median its own 10-year median of 19.89. 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 $9.40 — trading 29.3% above its estimated fair value. The current Net Margin % is 22.36%, which is 12% above median its 10-year median of 19.89 and 17.5% below the Banks industry median of 27.10. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Kearny Financial (KRNY), the current Net Margin % is 22.36% 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 $9.40 is trading 29.3% above its estimated GF Value™ of $7.27.
GuruFocus considers Kearny Financial to be Modestly Overvalued.
Key valuation signals for KRNY:
Net Margin %: 22.36% (12% above median its 10-year median of 19.89)
GF Value™: $7.27 vs. price of $9.40 (29.3% above fair value)
Industry Position: 17.5% below the Banks median (#1070 of 1526)
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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