Kearny Financial Corp. Financial Ratios — KRNY Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Return on Common Equity (%)	1.04	1.36	2.12	0.68	1.37	1.69	1.69	3.52	4.07	5.95	6.97	4.63	-10.68	3.48	4.79
Return on Assets (%)	0.17	0.21	0.31	0.15	0.36	0.4	0.34	0.64	0.67	0.9	0.9	0.52	-1.1	0.34	0.47
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.9	3.33	3.38	3.54	2.98	2.62	2.67	3.23	3.44	3.32	3.16	3.52	3.74	3.17	2.5
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	10.86	10.59	17.58	4.92	21.38	24.07	25.27	33.2	33.86	40.98	43.86	29.32	-57.45	20.13	26.61
Profit Margin (%)	7.02	7.87	12.43	6.36	14.97	16.33	14.56	24.96	26.6	30.66	32.08	22.85	-61.64	16.93	20.36
Net Income to Common Margin (%)	7.02	7.87	12.43	6.36	14.97	16.33	14.56	24.96	26.6	30.66	32.08	22.85	-61.64	16.93	20.36
Effective Tax Rate (%)	35.35	25.7	29.27	- -	30.01	32.16	42.36	24.84	21.46	25.16	26.86	22.09	- -	15.88	23.5
Dvd Payout Ratio (%)	71.23	- -	- -	- -	45.28	44.54	104.92	82.45	53.64	45.31	45.44	69.83	-31.8	105.98	76.76
Sustainable Growth Rate (%)	0.3	1.36	2.12	0.68	0.75	0.94	-0.08	0.62	1.89	3.25	3.81	1.4	-14.08	-0.21	1.11

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Total Debt	250	288	512	571	614	806	1,199	1,322	1,173	686	901	1,507	1,610	1,256	1,150
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	250	225	175	150	200
LT Debt	250	288	512	571	614	806	1,199	1,322	1,173	686	651	1,282	1,435	1,106	950
Total Debt/EBITDA	88.57	104.69	185.13	182.3	194.75	270.46	334.07	242.25	201.85	100.24	135.42	239.33	306.28	257.42	258.37
Net Debt/EBITDA	33.4	58.46	136.33	73.8	131.61	244.21	298.16	235.12	170.72	90.33	120.15	228.13	294.13	223.16	232.57
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.74	14.87	14.09	27.55	25.5	21.94	19.28	16.99	16.04	14.32	11.58	10.78	9.81	9.64	9.98
Long-Term Debt/Equity (%)	50.81	61.51	103.55	48.96	53.54	76.26	94.47	117.28	108.21	65.76	72.86	147.46	190.4	148.33	123.91
Long-Term Debt/Capital (%)	33.69	38.09	50.87	32.87	34.87	43.27	48.58	53.98	51.97	39.67	36.28	53.95	60.71	55.26	49.57
Long-Term Debt/Total Assets (%)	8.5	9.15	14.59	13.49	13.65	16.73	18.22	19.92	17.36	9.42	8.44	15.89	18.67	14.29	12.37
Total Debt/Equity (%)	50.81	61.51	103.55	48.96	53.54	76.26	94.47	117.28	108.21	65.76	100.82	173.34	213.62	168.44	150
Total Debt/Capital (%)	33.69	38.09	50.87	32.87	34.87	43.27	48.58	53.98	51.97	39.67	50.2	63.42	68.11	62.75	60
Total Debt/Total Assets (%)	8.5	9.15	14.59	13.49	13.65	16.73	18.22	19.92	17.36	9.42	11.68	18.68	20.95	16.23	14.97
Net Debt to Equity	19.16	34.35	76.26	19.82	36.18	68.86	84.32	113.83	91.52	59.26	89.45	165.23	205.15	146.02	135.02
Net Debt/Capital (%)	16.08	25.57	43.26	16.54	26.57	40.78	45.75	53.23	47.79	37.21	47.22	62.3	67.23	59.35	57.45
EBITDA	3	3	3	3	3	3	4	5	6	7	7	6	5	5	4
EBITDA-CapEx	1	2	-1	1	1	-1	-5	-1	- -	1	4	5	4	1	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.74	14.87	14.09	27.55	25.5	21.94	19.28	16.99	16.04	14.32	11.58	10.78	9.81	9.64	9.98
Long-Term Debt/Equity (%)	50.81	61.51	103.55	48.96	53.54	76.26	94.47	117.28	108.21	65.76	72.86	147.46	190.4	148.33	123.91
Long-Term Debt/Capital (%)	33.69	38.09	50.87	32.87	34.87	43.27	48.58	53.98	51.97	39.67	36.28	53.95	60.71	55.26	49.57
Long-Term Debt/Total Assets (%)	8.5	9.15	14.59	13.49	13.65	16.73	18.22	19.92	17.36	9.42	8.44	15.89	18.67	14.29	12.37
Total Debt/Equity (%)	50.81	61.51	103.55	48.96	53.54	76.26	94.47	117.28	108.21	65.76	100.82	173.34	213.62	168.44	150
Total Debt/Capital (%)	33.69	38.09	50.87	32.87	34.87	43.27	48.58	53.98	51.97	39.67	50.2	63.42	68.11	62.75	60
Total Debt/Total Assets (%)	8.5	9.15	14.59	13.49	13.65	16.73	18.22	19.92	17.36	9.42	11.68	18.68	20.95	16.23	14.97
CFO/Total Liabilities	1.53	1.12	0.86	0.67	1.17	1.02	0.85	0.71	0.34	1.21	1.19	0.97	0.63	0.35	0.55
CFO/CapEx	20.79	28.72	7.31	9.99	17.86	9.55	5.45	6.36	3.24	13.82	27.84	51.33	32.57	7.32	15.33
Altman's Z-Score	0.34	0.33	0.37	0.34	0.34	0.33	0.25	0.24	0.18	0.2	0.18	0.14	0.12	0.12	0.14

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Accounts Receivable Turnover	7.98	10.06	9.62	9.38	10.03	9.61	8.68	8.92	9.21	11.23	10.57	7.35	4.88	5.35	6.36
Days Sales Outstanding	45.76	36.27	37.95	38.92	36.4	37.97	42.05	40.93	39.65	32.51	34.52	49.66	74.83	68.28	57.35
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Market Capitalization	649	698	1,019	1,044	1,155	1,253	1,340	1,184	660	911	734	448	383	405	596
- Cash & Cash Equivalents	156	127	135	340	199	78	129	39	181	68	102	71	64	167	115
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	250	288	512	571	614	806	1,199	1,322	1,173	686	901	1,507	1,610	1,256	1,150
Enterprise Value	730	558	988	854	1,180	1,367	1,685	1,753	267	-148	190	656	856	481	667
Total Capital	741	755	1,007	1,739	1,762	1,863	2,467	2,449	2,257	1,729	1,795	2,376	2,363	2,002	1,917
Total Debt/Capital (%)	33.69	38.09	50.87	32.87	34.87	43.27	48.58	53.98	51.97	39.67	50.2	63.42	68.11	62.75	60
Total Debt / EV	0.34	0.52	0.52	0.67	0.52	0.59	0.71	0.75	4.4	-4.63	4.74	2.3	1.88	2.61	1.73
EV/Sales	10.1	6.75	12.06	9.65	11.17	12	12.52	10.38	1.58	- -	0.9	3.67	6.09	3.12	3.74
EV/EBITDA	258.95	203.13	357.05	272.56	374.15	458.52	469.53	321.29	45.88	- -	28.56	104.24	162.88	98.5	149.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	19.55	18.65	37.99	41.68	30.13	35.47	37.36	44.95	13.8	- -	2.34	9.44	19.47	19.41	17.67
EV/Free Cash Flow to Firm	18.65	18.03	33.41	37.89	28.53	32.11	31.57	38.84	10.55	- -	2.26	9.26	18.89	17.08	16.58
Diluted Market Cap	644	694	997	1,025	1,127	1,257	1,112	1,211	660	985	788	457	384	405	- -
Diluted Enterprise Value	739	855	1,374	1,256	1,543	1,985	2,181	2,494	1,652	1,603	1,588	1,893	1,930	1,494	1,035
EV per Share	7.9	6.08	10.64	9.14	12.86	16.2	16.91	19.67	3.3	- -	2.88	10.33	13.75	7.68	10.58
TTM Sales	72	83	82	89	106	114	135	169	169	206	211	179	141	154	178
TTM EBITDA	3	3	3	3	3	3	4	5	6	7	7	6	5	5	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	37	30	26	21	39	39	45	39	19	75	81	70	44	25	38
TTM Free Cash Flow to Firm	39	31	30	23	41	43	53	45	25	81	84	71	45	28	40

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 Y
As of date	06/30/2012	06/30/2013	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025	06/30/2026

Price/Free Cash Flow	16.46	22.41	33.72	45.44	27.25	29.54	20.83	26.82	26.11	12.17	9.36	6.44	8.47	14.39	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	730	558	988	854	1,180	1,367	1,685	1,753	267	-148	190	656	856	481	667
Low Price	5.79	6.27	6.66	9.15	11.01	12.4	12.75	11.26	7.29	6.91	10.91	6.58	5.28	5.45	5.76
EV/Sales	10.1	6.75	12.06	9.65	11.17	12	12.52	10.38	1.58	- -	0.9	3.67	6.09	3.12	3.74
EV/EBITDA	258.95	203.13	357.05	272.56	374.15	458.52	469.53	321.29	45.88	- -	28.56	104.24	162.88	98.5	149.77
Price/Earnings	126.89	106.67	97.8	181.84	71.23	67.52	56.68	28.72	14.68	15.57	11.66	11.19	- -	15.49	- -
Price/Earnings Average	123.15	99.94	77.28	167.94	68.58	65.58	59.94	28.81	21.05	13.41	13.31	15.32	-5.05	16.27	- -
Price/Earnings High	133.04	108.5	100.38	191.61	75.99	73.21	65.75	31.11	25.85	17.94	14.58	19.86	-6.82	20.59	- -
Price/Earnings Low	104.66	88	59.37	149.09	62.34	56.38	53.73	24.33	13.08	9	11.45	10.45	-3.8	13.06	- -
Price/Book Value	1.32	1.49	2.06	0.89	1.01	1.18	1.06	1.05	0.61	0.87	0.82	0.52	0.51	0.54	0.78
Price/Book Value Average	1.28	1.4	1.63	0.83	0.97	1.15	1.12	1.05	0.87	0.75	0.94	0.71	0.58	0.57	0.6
Price/Book Value High	1.38	1.52	2.11	0.94	1.07	1.28	1.22	1.14	1.07	1.01	1.03	0.91	0.78	0.72	0.78
Price/Book Value Low	1.09	1.23	1.25	0.73	0.88	0.99	1	0.89	0.54	0.5	0.81	0.48	0.44	0.46	0.47
Price/Tangible Book Value	1.69	1.94	2.64	0.99	1.11	1.32	1.27	1.3	0.76	1.1	1.08	0.68	0.6	0.64	0.91
Price/Tangible Book Value Average	1.64	1.82	2.08	0.91	1.07	1.28	1.35	1.3	1.09	0.95	1.23	0.93	0.68	0.67	0.71
Price/Tangible Book Value High	1.78	1.98	2.71	1.04	1.19	1.43	1.48	1.41	1.34	1.27	1.35	1.21	0.92	0.85	0.92
Price/Tangible Book Value Low	1.4	1.6	1.6	0.81	0.97	1.1	1.21	1.1	0.68	0.64	1.06	0.64	0.52	0.54	0.56
Price/Sales	8.91	8.4	12.16	11.56	10.66	11.03	8.26	7.17	3.9	4.77	3.74	2.56	2.73	2.62	- -
Price/Sales Average	8.65	7.87	9.61	10.68	10.27	10.71	8.73	7.19	5.6	4.11	4.27	3.5	3.12	2.75	- -
Price/Sales High	9.34	8.54	12.48	12.18	11.37	11.95	9.57	7.76	6.87	5.5	4.68	4.54	4.2	3.49	- -
Price/Sales Low	7.35	6.93	7.38	9.48	9.33	9.21	7.83	6.07	3.48	2.76	3.67	2.39	2.34	2.21	- -
Price/Cash Flow	17.25	23.19	38.31	49.92	28.77	32.6	24.63	31.03	34.16	13.05	9.69	6.57	8.73	16.3	- -
Price/Cash Flow Average	16.74	21.73	30.27	46.11	27.7	31.66	26.05	31.13	48.97	11.24	11.06	8.99	9.96	17.12	- -
Price/Cash Flow High	18.08	23.59	39.32	52.61	30.69	35.35	28.57	33.62	60.14	15.04	12.11	11.66	13.43	21.68	- -
Price/Cash Flow Low	14.23	19.13	23.26	40.93	25.18	27.22	23.35	26.29	30.45	7.55	9.52	6.13	7.5	13.75	- -
Price/Free Cash Flow Average	15.97	21	26.64	41.97	26.24	28.68	22.02	26.91	37.43	10.49	10.68	8.82	9.67	15.12	- -
Price/Free Cash Flow High	17.25	22.8	34.61	47.89	29.07	32.02	24.16	29.06	45.96	14.03	11.7	11.43	13.03	19.14	- -
Price/Free Cash Flow Low	13.57	18.49	20.47	37.26	23.85	24.66	19.75	22.73	23.27	7.04	9.19	6.01	7.27	12.14	- -
EV/Sales Average	10.01	9.85	14.43	13.5	14.45	17.07	18.48	14.64	11.47	6.8	7.78	11.47	14.1	9.83	8.39
EV/Sales High	10.71	10.53	17.36	15.03	15.58	18.31	19.5	15.2	12.74	8.09	8.16	12.49	15.19	10.57	9.16
EV/Sales Low	8.7	8.91	12.15	12.28	13.49	15.57	17.39	13.54	9.35	5.55	7.22	10.38	13.33	9.29	7.85
EV/EBITDA Average	256.62	296.33	427.22	381.29	484.12	652.29	693.03	452.89	333.53	204.98	246.11	325.48	377.24	310.22	335.91
EV/EBITDA High	274.56	316.69	514.2	424.64	522.18	699.78	731.31	470.31	370.67	243.7	258.11	354.31	406.21	333.36	366.71
EV/EBITDA Low	223.11	267.92	359.83	346.78	452.04	595.08	652.18	419.02	271.94	167.29	228.51	294.5	356.69	293.08	314.08
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.02	7.6	10.97	11.16	12.58	14.85	13.45	13.29	8.18	11.95	11.11	7.05	6.15	6.46	9.46
High Price	7.36	7.73	11.26	11.76	13.42	16.1	15.6	14.4	14.4	13.77	13.89	12.51	9.46	8.59	9.48
Enterprise Value Average	724	814	1,182	1,195	1,527	1,944	2,487	2,471	1,938	1,402	1,638	2,049	1,983	1,514	1,495
Enterprise Value High	774	870	1,423	1,331	1,647	2,086	2,624	2,566	2,154	1,667	1,718	2,231	2,135	1,627	1,632
Enterprise Value Low	629	736	996	1,087	1,426	1,774	2,340	2,287	1,581	1,145	1,521	1,854	1,875	1,431	1,398

Shares Outstanding	92	92	93	94	92	84	100	89	81	76	66	64	62	63	63
Diluted Weighted Avg Shares	92	91	91	92	90	85	83	91	81	82	71	65	62	63	- -
Basic Weighted Avg Shares	92	91	91	92	90	85	83	91	81	82	71	65	62	63	- -
Revenue per Share	0.79	0.91	0.9	0.97	1.18	1.35	1.63	1.85	2.1	2.5	2.97	2.76	2.25	2.46	- -
EBITDA per Share	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.06	0.07	0.08	0.09	0.1	0.08	0.08	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.06	0.07	0.11	0.06	0.18	0.22	0.24	0.46	0.56	0.77	0.95	0.63	-1.39	0.42	- -
Basic EPS from Cont Ops	0.06	0.07	0.11	0.06	0.18	0.22	0.24	0.46	0.56	0.77	0.95	0.63	-1.39	0.42	- -
Diluted EPS, GAAP	0.06	0.07	0.11	0.06	0.18	0.22	0.24	0.46	0.56	0.77	0.95	0.63	-1.39	0.42	- -
Diluted EPS from Cont Ops	0.06	0.07	0.11	0.06	0.18	0.22	0.24	0.46	0.56	0.77	0.95	0.63	-1.39	0.42	- -
Dividend per Share	0.04	- -	- -	- -	0.08	0.1	0.25	0.38	0.3	0.35	0.43	0.44	0.44	0.44	- -
Cash Flow per Share	0.41	0.33	0.29	0.22	0.44	0.46	0.55	0.43	0.24	0.92	1.15	1.07	0.7	0.4	- -
Free Cash Flow per Basic Share	0.39	0.32	0.25	0.2	0.41	0.41	0.45	0.36	0.17	0.85	1.11	1.05	0.68	0.34	- -
Cash & Equivalents per Share	1.82	4.65	5.85	8.13	6.42	8.2	8.57	8.45	19.41	22.89	21.87	20.44	18.25	18.85	17.13
Book Value per Share	5.32	5.09	5.33	12.48	12.5	12.53	12.74	12.65	13.43	13.69	13.52	13.69	12.1	11.91	12.17
Tangible Book Value per Share	4.15	3.91	4.16	11.32	11.32	11.24	10.56	10.22	10.77	10.87	10.29	10.33	10.25	10.08	10.35

Kearny Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)