Kearny Financial Corp. Financial Ratios — KRNY Stock

Profitability (USD)

	2011 Y	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
As of date	06/30/2011	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

Return on Common Equity (%)	2.44	1.56	1.97	3.01	1.64	4.55	5.21	5.43	11.58	11.89	15.85	15.8	9.02	-21.61	7.6
Return on Assets (%)	0.3	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
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 (%)	3.16	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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	16.62	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
Profit Margin (%)	10.75	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
Net Income to Common Margin (%)	10.75	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
Effective Tax Rate (%)	35.31	35.35	25.7	29.27	- -	30.01	32.16	42.36	24.84	21.46	25.16	26.86	22.09	- -	15.88
Dvd Payout Ratio (%)	41.18	71.23	- -	- -	- -	45.28	44.54	104.92	82.45	53.64	45.31	45.44	69.83	-31.8	105.98
Sustainable Growth Rate (%)	1.43	0.45	1.97	3.01	1.64	2.49	2.89	-0.27	2.03	5.51	8.67	8.62	2.72	-28.48	-0.45

Credit (USD)

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	2011 Y	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
As of date	06/30/2011	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

Total Debt	248	250	288	512	571	614	806	1,199	1,322	1,173	686	901	1,507	1,610	1,256
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	250	225	175	150
LT Debt	248	250	288	512	571	614	806	1,199	1,322	1,173	686	651	1,282	1,435	1,106
Total Debt/EBITDA	107.2	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
Net Debt/EBITDA	10.85	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
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.18	11.13	10.6	9.79	8.1	7.82	7.51	5.47	5.54	5.75	5.62	5.78	5.68	4.48	4.42
Long-Term Debt/Equity (%)	50.76	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
Long-Term Debt/Capital (%)	43.27	43.31	46.32	59.84	62.49	63.6	69.02	76.9	78.24	75.11	62.64	48.34	65.23	73.44	69.2
Long-Term Debt/Total Assets (%)	8.53	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
Total Debt/Equity (%)	50.76	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
Total Debt/Capital (%)	43.27	43.31	46.32	59.84	62.49	63.6	69.02	76.9	78.24	75.11	62.64	66.89	76.68	82.39	78.59
Total Debt/Total Assets (%)	8.53	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
Net Debt to Equity	5.14	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
Net Debt/Capital (%)	7.17	22.37	32.52	52.32	40.28	54.14	66.8	74.82	77.73	71.85	60.17	64.19	75.81	81.8	76.08
EBITDA	2	3	3	3	3	3	3	4	5	6	7	7	6	5	5
EBITDA-CapEx	1	1	2	-1	1	1	-1	-5	-1	- -	1	4	5	4	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	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
As of date	06/30/2011	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.18	11.13	10.6	9.79	8.1	7.82	7.51	5.47	5.54	5.75	5.62	5.78	5.68	4.48	4.42
Long-Term Debt/Equity (%)	50.76	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
Long-Term Debt/Capital (%)	43.27	43.31	46.32	59.84	62.49	63.6	69.02	76.9	78.24	75.11	62.64	48.34	65.23	73.44	69.2
Long-Term Debt/Total Assets (%)	8.53	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
Total Debt/Equity (%)	50.76	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
Total Debt/Capital (%)	43.27	43.31	46.32	59.84	62.49	63.6	69.02	76.9	78.24	75.11	62.64	66.89	76.68	82.39	78.59
Total Debt/Total Assets (%)	8.53	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
CFO/Total Liabilities	1.19	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
CFO/CapEx	17.33	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
Altman's Z-Score	0.34	0.34	0.33	0.36	0.34	0.34	0.33	0.23	0.24	0.18	0.2	0.18	0.14	0.12	0.12

Working Capital (USD)

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	2011 Y	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
As of date	06/30/2011	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

Accounts Receivable Turnover	8.08	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
Days Sales Outstanding	45.19	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
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)

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	2011 Y	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
As of date	06/30/2011	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

Market Capitalization	611	644	694	996	1,024	1,127	1,256	1,111	1,210	660	985	788	457	384	404
- Cash & Cash Equivalents	223	156	127	135	340	199	78	129	39	181	68	102	71	64	167
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	248	250	288	512	571	614	806	1,199	1,322	1,173	686	901	1,507	1,610	1,256
Enterprise Value	637	726	555	966	834	1,152	1,370	1,455	1,779	267	-74	243	665	857	480
Total Capital	572	577	621	856	915	966	1,168	1,559	1,690	1,562	1,095	1,347	1,965	1,954	1,599
Total Debt/Capital (%)	43.27	43.31	46.32	59.84	62.49	63.6	69.02	76.9	78.24	75.11	62.64	66.89	76.68	82.39	78.59
Total Debt / EV	0.39	0.34	0.52	0.53	0.69	0.53	0.59	0.82	0.74	4.4	-9.23	3.7	2.26	1.88	2.62
EV/Sales	8.72	10.04	6.71	11.78	9.42	10.9	12.03	10.82	10.53	1.58	- -	1.16	3.73	6.1	3.12
EV/EBITDA	275.56	257.43	201.8	349	266.11	365.25	459.71	405.66	325.98	45.88	- -	36.58	105.69	163.08	98.35
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	22.11	19.43	18.53	37.13	40.69	29.41	35.57	32.28	45.61	13.8	- -	2.99	9.57	19.49	19.38
EV/Free Cash Flow to Firm	20.9	18.54	17.91	32.66	36.99	27.86	32.2	27.28	39.41	10.55	- -	2.89	9.39	18.91	17.05
Diluted Market Cap	611	644	694	997	1,025	1,127	1,257	1,112	1,211	660	985	788	457	384	405
Diluted Enterprise Value	637	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
EV per Share	6.87	7.91	6.07	10.63	9.1	12.86	16.2	17.62	19.54	3.3	- -	3.43	10.27	13.73	7.68
TTM Sales	73	72	83	82	89	106	114	135	169	169	206	211	179	141	154
TTM EBITDA	2	3	3	3	3	3	3	4	5	6	7	7	6	5	5
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	29	37	30	26	21	39	39	45	39	19	75	81	70	44	25
TTM Free Cash Flow to Firm	30	39	31	30	23	41	43	53	45	25	81	84	71	45	28

Multiples (USD)

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	2011 Y	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
As of date	06/30/2011	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

Price/Free Cash Flow	20.08	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	637	726	555	966	834	1,152	1,370	1,455	1,779	267	-74	243	665	857	480
Low Price	5.97	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
EV/Sales	8.72	10.04	6.71	11.78	9.42	10.9	12.03	10.82	10.53	1.58	- -	1.16	3.73	6.1	3.12
EV/EBITDA	275.56	257.43	201.8	349	266.11	365.25	459.71	405.66	325.98	45.88	- -	36.58	105.69	163.08	98.35
Price/Earnings	77.89	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	77.72	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	89.22	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	70.45	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	1.88	1.97	2.08	2.9	2.98	3.2	3.47	3.08	3.29	1.7	2.41	1.77	1	1.12	1.18
Price/Book Value Average	1.88	1.91	1.95	2.29	2.76	3.09	3.37	3.26	3.3	2.43	2.07	2.02	1.36	1.27	1.24
Price/Book Value High	2.16	2.07	2.12	2.98	3.14	3.42	3.76	3.58	3.57	2.99	2.77	2.21	1.77	1.72	1.57
Price/Book Value Low	1.7	1.63	1.72	1.76	2.45	2.8	2.9	2.92	2.79	1.51	1.39	1.73	0.93	0.96	0.99
Price/Tangible Book Value	1.61	1.68	1.93	2.58	0.97	1.08	1.32	1.06	1.33	0.76	1.19	1.16	0.7	0.6	0.64
Price/Tangible Book Value Average	1.61	1.63	1.81	2.04	0.89	1.04	1.29	1.12	1.33	1.09	1.02	1.32	0.95	0.69	0.67
Price/Tangible Book Value High	1.85	1.76	1.97	2.65	1.02	1.16	1.44	1.23	1.44	1.34	1.37	1.45	1.24	0.93	0.85
Price/Tangible Book Value Low	1.46	1.39	1.59	1.57	0.79	0.95	1.11	1	1.13	0.68	0.69	1.14	0.65	0.52	0.54
Price/Sales	8.38	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	8.36	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	9.59	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	7.58	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	21.24	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	21.2	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	24.33	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	19.21	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	20.04	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	23	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	18.16	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	8.7	9.95	9.81	14.21	13.29	14.19	17.1	16.68	14.79	11.47	7.11	8.07	11.54	14.11	9.83
EV/Sales High	9.94	10.64	10.49	17.08	14.79	15.3	18.34	17.53	15.36	12.74	8.5	8.48	12.58	15.2	10.56
EV/Sales Low	7.92	8.65	8.87	11.99	12.09	13.26	15.6	15.78	13.67	9.35	5.76	7.47	10.43	13.34	9.29
EV/EBITDA Average	275	255.15	295.08	420.85	375.34	475.55	653.45	625.5	457.61	333.53	214.28	255.26	327.47	377.46	310.06
EV/EBITDA High	314.07	272.97	315.33	505.93	417.85	512.69	701.07	657.23	475.39	370.67	256.14	268.13	356.89	406.52	333.16
EV/EBITDA Low	250.29	221.86	266.82	354.94	341.49	444.25	596.08	591.63	423	271.94	173.53	236.38	295.86	356.85	292.95
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.6	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
High Price	7.56	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
Enterprise Value Average	635	720	811	1,165	1,177	1,500	1,948	2,244	2,497	1,938	1,466	1,699	2,062	1,984	1,513
Enterprise Value High	725	770	867	1,400	1,310	1,618	2,090	2,358	2,594	2,154	1,752	1,785	2,247	2,137	1,626
Enterprise Value Low	578	626	733	982	1,071	1,402	1,777	2,123	2,308	1,581	1,187	1,573	1,863	1,876	1,430

Shares Outstanding	94	92	92	93	94	92	84	100	89	81	76	66	64	62	63
Diluted Weighted Avg Shares	93	92	91	91	92	90	85	83	91	81	82	71	65	62	63
Basic Weighted Avg Shares	93	92	91	91	92	90	85	83	91	81	82	71	65	62	63
Revenue per Share	0.79	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	0.02	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	0.08	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	0.08	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	0.08	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	0.08	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	0.03	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	0.31	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	0.29	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	2.4	1.83	4.68	5.98	8.3	6.58	8.18	10.34	8.27	19.41	21.18	20.39	20.03	18.2	18.88
Book Value per Share	3.5	3.56	3.65	3.78	3.74	3.93	4.28	4.36	4.04	4.82	4.97	6.29	7.07	5.51	5.48
Tangible Book Value per Share	4.09	4.17	3.93	4.25	11.54	11.6	11.21	12.73	10.01	10.77	10.05	9.59	10.12	10.22	10.09

Kearny Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)