KRNY

NEUTRAL

$8.03 Live

Kearny Financial Corp. · NASDAQ

Target $8.5 (+5.9%)

$5.59 52W Range $8.5

KRNY Kearny Financial Corp. - Fundamental Analysis

NEUTRAL

Console Chart News

KRNY Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$8.03

Analyst Target

$8.5

+5.9% Upside

52W High

$8.5

52W Low

$5.59

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 13, 2026

Market cap

$504.95M

P/E

15.44

ROE

4.3%

Profit margin

19.8%

Debt/Equity

N/A

Dividend yield

5.48%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

KRNY presents a classic value-trap profile, characterized by a stable Piotroski F-Score of 4/9 and a significant discount to both its Graham Number ($11.87) and Intrinsic Value ($15.34). While the stock trades at a deep discount to book value (P/B 0.67) and shows strong YoY earnings growth of 50%, these fundamentals are offset by poor capital efficiency (ROE 4.31%) and a bearish technical trend. The high dividend payout ratio of 84.62% suggests limited room for dividend growth and potential sustainability risks if earnings volatility increases.

Key Strengths

Deep value valuation with P/B ratio of 0.67

Trading significantly below Graham Number ($11.87) and Intrinsic Value ($15.34)

Strong YoY earnings growth of 50.00%

Attractive dividend yield of 5.48%

Positive 1-year price performance (+50.1%)

Key Risks

Very low Return on Equity (ROE) of 4.31% indicating poor capital efficiency

High dividend payout ratio (84.62%) limiting reinvestment and safety

Bearish insider sentiment with recent selling activity

Poor recent earnings track record (only 1 of last 4 quarters beat estimates)

Strongly bearish technical trend (10/100)

AI Fair Value Estimate

Based on comprehensive analysis

$12.1

+50.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Play with Momentum Risks

Key drivers: Deep discount to book value, Low ROE/ROA, Bearish technicals/insiders, Strong YoY growth

Confidence

80%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

P/B 0.67
Price < Graham Number
Forward P/E 9.34

Watchpoints

Low ROE suggests the discount may be justified

Future

60/100

Ref Growth rates

Positives

15% Revenue Growth YoY
50% Earnings Growth YoY

Watchpoints

Recent trend of missing earnings estimates
Low ROA (0.42%)

Past

55/100

Ref Historical trends

Positives

Strong 1Y and 6M price recovery

Watchpoints

Negative 5Y change (-15.3%)

Health

50/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score 4/9 (Stable)

Watchpoints

Low profitability metrics (ROE/ROA)

Dividend

65/100

Ref Yield, Payout

Positives

High yield of 5.48%

Watchpoints

Excessive payout ratio of 84.62%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$8.03

Analyst Target

$8.5

Upside/Downside

+5.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for KRNY and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
KRNY Kearny Financial Corp. Primary	-15.3%	+19.8%	+50.1%	+27.4%	+9.4%	+4.4%
HBCP Home Bancorp, Inc. Peer	+94.1%	+110.8%	+57.2%	+26.4%	+11.7%	+5.7%
BLE BlackRock Municipal Income Trust II Peer	-10.7%	+12.5%	+5.4%	+11.2%	+2.6%	-0.2%
BWB Bridgewater Bancshares, Inc. Peer	+12.0%	+73.5%	+43.8%	+4.0%	+5.0%	+3.5%
CARE Carter Bankshares, Inc. Peer	+63.3%	+70.3%	+63.9%	+20.8%	+15.2%	+0.8%

KRN

Kearny Financial Corp.

Primary

-15.3%

+19.8%

+50.1%

+27.4%

+9.4%

+4.4%

HBC

Home Bancorp, Inc.

Peer

+94.1%

+110.8%

+57.2%

+26.4%

+11.7%

+5.7%

BLE

BlackRock Municipal Income Trust II

Peer

-10.7%

+12.5%

+5.4%

+11.2%

+2.6%

-0.2%

BWB

Bridgewater Bancshares, Inc.

Peer

+12.0%

+73.5%

+43.8%

+4.0%

+5.0%

+3.5%

CAR

Carter Bankshares, Inc.

Peer

+63.3%

+70.3%

+63.9%

+20.8%

+15.2%

+0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

15.44

9.34

N/A

0.67

3.1

8.89

N/A

$504.95M

Profitability

Profit margins and return metrics

Profit Margin 19.84%

Operating Margin 31.14%

Gross Margin N/A

ROE 4.31%

ROA 0.42%

Growth

Revenue and earnings growth rates

Revenue Growth +15.0%

Earnings Growth +50.0%

Q/Q Revenue Growth +16.15%

Q/Q Earnings Growth +43.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$2.45

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

21.7%

Total Assets

$7.6B

Liabilities

$6.9B

Equity

$0.8B

Debt/Equity

9.06x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

2026-01-22

$0.15

-6.2% surprise

2025-10-23

$0.15

+3.5% surprise

2025-07-24

$0.11

-15.4% surprise

Financial Services Sector Comparison

Comparing KRNY against 377 companies in the Financial Services sector (65 bullish, 163 neutral, 149 bearish)

P/E Ratio

15.44

This Stock

50.76

Sector Avg

-69.6% (Discount)

Return on Equity (ROE)

4.31%

This Stock

-0.32%

Sector Avg

-1462.4% (Below Avg)

Profit Margin

19.84%

This Stock

64.46%

Sector Avg

-69.2% (Weaker)

Revenue Growth

15.0%

This Stock

44.75%

Sector Avg

-66.5% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
KRNY Kearny Financial Corp.	NEUTRAL	$504.95M	15.44	4.3%	19.8%	$8.03
HBCP Home Bancorp, Inc.	BULLISH	$508.5M	11.15	11.1%	31.0%	$64.88	Compare
BLE BlackRock Municipal Income Trust II	BEARISH	$500.66M	-	-6.6%	-90.8%	$10.49	Compare
BWB Bridgewater Bancshares, Inc.	BULLISH	$509.75M	12.3	9.5%	33.6%	$18.32	Compare
CARE Carter Bankshares, Inc.	NEUTRAL	$520.86M	17.03	7.8%	20.0%	$23.5	Compare

KRNY Kearny Financial Corp.

NEUTRAL

Mkt Cap

$505M

P/E

15.4

ROE

4.3%

Price

$8.03

HBCP Home Bancorp, Inc.

Compare with KRNY

Compare with KRNY

Compare with KRNY

CARE Carter Bankshares, Inc.

Compare with KRNY

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-10	SWANSSON TIMOTHY A.	Chief Technology Officer	Sale	4,000	$30,391
2026-01-28	JOYCE PATRICK M. III	Officer	Sale	4,000	$30,601

SWANSSON TIMOTHY A.

Chief Technology Officer

Sell

2026-03-10

4,000 shares · $30,391

JOYCE PATRICK M. III

Officer

Sell

2026-01-28

4,000 shares · $30,601

Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

HOLD

1 analysts

Piper Sandler

2025-12-10

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning KRNY from our newsroom.

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KRNY

KRNY Kearny Financial Corp. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Wall Street Analysts

Past News Coverage

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