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Kearny FinancialKRNY -0.89%55 Pretax Margin % is 27.88% as of Mar. 2026, which is 2% above its 10-year median of 27.30. 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 1,526 Banks companies, Kearny Financial ranks worse than 70.84% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Kearny Financial Pretax Margin % Related Terms
Kearny Financial Pretax Margin % Historical Data
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The historical data trend for Kearny Financial's Pretax 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.
KRNY vs CBNK, NPB, CIVB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Kearny Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kearny Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Kearny Financial's Pretax 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 Pretax Margin % of 27.88% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Kearny Financial and its competitors. This is near median its historical median of 27.30. According to the industry distribution chart, Kearny Financial ranks #1081 out of 1526 companies in the Banks industry, placing it in the top 70.8%.
Is Kearny Financial's Pretax Margin % too high?
Kearny Financial's current Pretax Margin % of 27.88% is near median its 10-year median of 27.30. The Banks industry median Pretax Margin % is 35.51. Kearny Financial's value of 27.88% is 21.5% below this industry median. Based on the distribution chart, Kearny Financial ranks #1081 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 Pretax Margin % compare to CBNK and NPB?
According to the Banks industry distribution chart, Kearny Financial ranks #1081 out of 1526 companies for Pretax Margin %. This places Kearny Financial in the lower half of its industry. The industry median Pretax Margin % is 35.51. Kearny Financial's value of 27.88% is 21.5% below this benchmark. While the company's 10-year median is 27.30 vs. the industry median of 35.51, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.51, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kearny Financial's current Pretax Margin % of 27.88% is 21.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Kearny Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kearny Financial's current Pretax Margin % is 27.88%, which is near median its own 10-year median of 27.30. 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 $9.44 — trading 29.8% above its estimated fair value. The current Pretax Margin % is 27.88%, which is near median its 10-year median of 27.30 and 21.5% below the Banks industry median of 35.51. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Kearny Financial (KRNY), the current Pretax Margin % is 27.88% 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 $9.44 is trading 29.8% above its estimated GF Value™ of $7.27.
GuruFocus considers Kearny Financial to be Modestly Overvalued.
Key valuation signals for KRNY:
Pretax Margin %: 27.88% (near median its 10-year median of 27.30)
GF Value™: $7.27 vs. price of $9.44 (29.8% above fair value)
Industry Position: 21.5% below the Banks median (#1081 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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