DDM Analysis: KRNY

Valuation Snapshot

Stable Growth	$4.94 - $7.88	$6.28
Multi-Stage	$7.46 - $8.15	$7.80
Blended Fair Value	$7.04
Current Price	$6.57
Upside	7.10%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	2.76%	0.00%	0.44	0.44	0.45	0.49	0.46	0.38	0.55	0.33	0.13	0.11
YoY Growth	-	-	0.25%	-3.28%	-7.15%	7.14%	18.77%	-30.58%	68.99%	148.14%	15.66%	0.00%
Dividend Yield	-	-	6.70%	6.39%	6.55%	4.60%	3.67%	5.33%	4.25%	2.40%	0.86%	0.84%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	29.49
(-) Cash Dividends Paid (M)	27.72
(=) Cash Retained (M)	1.77

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5.90	3.69	2.21
Cash Retained (M)	1.77	1.77	1.77
(-) Cash Required (M)	-5.90	-3.69	-2.21
(=) Excess Retained (M)	-4.13	-1.92	-0.44
(/) Shares Outstanding (M)	62.76	62.76	62.76
(=) Excess Retained per Share	-0.07	-0.03	-0.01
LTM Dividend per Share	0.44	0.44	0.44
(+) Excess Retained per Share	-0.07	-0.03	-0.01
(=) Adjusted Dividend	0.38	0.41	0.43
WACC / Discount Rate	8.42%	8.42%	8.42%
Growth Rate	0.76%	1.76%	2.76%
Fair Value	$4.94	$6.28	$7.88
Upside / Downside	-24.81%	-4.49%	19.96%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	29.49	30.01	30.53	31.07	31.62	32.17	33.14
Payout Ratio	93.99%	93.20%	92.40%	91.60%	90.80%	90.00%	92.50%
Projected Dividends (M)	27.72	27.97	28.21	28.46	28.71	28.95	30.65

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.42%	8.42%	8.42%
Growth Rate	0.76%	1.76%	2.76%
Year 1 PV (M)	25.54	25.79	26.05
Year 2 PV (M)	23.53	24.00	24.47
Year 3 PV (M)	21.68	22.33	22.99
Year 4 PV (M)	19.97	20.77	21.60
Year 5 PV (M)	18.39	19.32	20.29
PV of Terminal Value (M)	359.04	377.22	396.12
Equity Value (M)	468.15	489.44	511.53
Shares Outstanding (M)	62.76	62.76	62.76
Fair Value	$7.46	$7.80	$8.15
Upside / Downside	13.53%	18.69%	24.05%

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Kearny Financial Corp. (KRNY)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener