Kearny Financial Corp (KRNY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Kearny Financial Corp stock $8.52, price $9.01, that is 5.4% below the price, quality 55 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Kearny Financial Corp
KRNY · USThe stock costs about what our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $4.66 – $10.71 · fair‑value band $6.39 – $9.73 · the $9.01 price screens above the $8.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States.
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The company offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts.
It also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans, as well as engages in the investment activities.
The company was founded in 1884 and is headquartered in Fairfield, New Jersey.
Stock analysis
Kearny Financial Corp (KRNY) currently trades at $9.01, while our model-based Fair Value estimate is $8.52, so the stock looks roughly fairly valued today (gap 5.8%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $8.83 per share, and 1 of the 6 models we run sit above the $9.01 price.
Bear case: the Dividend Discount group reads lowest at $6.18, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $6.39 (bear) to $9.73 (bull), the price of $9.01 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Kearny Financial Corp reported revenue of $347M in FY2026 versus $240M in FY2022, a compound +9.6%/yr. Reported net income was $36.3M in FY2026, compounding −14.4%/yr from FY2022.
Key figures
Market cap $570M Small · P/E ratio 15.5 · P/S ratio 3.21 · EPS (TTM) $0.5800 · Dividend yield 4.9% · Net margin 20.8% · Return on equity 4.9% · Return on assets (EBIT) 0.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −5%, KRNY screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors bought shares worth $409,692, most recently on Sep 17, 2026. Over the same period, one person sold shares worth $21,148. Buying cluster
- BuyMelvina Wong-ZazaDirector2× since Jun 11, 2026: 5,060 shares, avg. $8.91$45,068Sep 17, 2026
- BuyLeopold W MontanaroDirector4,773 shares at $9.46$45,153Aug 10, 2026
- BuyCurtland E FieldsDirector5× since Jun 8, 2026: 36,000 shares, avg. $8.87$319,471Jul 27, 2026
- SalePatrick M JoyceEVP and CLO2× since Jan 28, 2026: 6,500 shares, avg. $7.96$51,749Jun 9, 2026
- SaleTimothy A SwanssonEVP and CTIO4,000 shares at $7.60$30,396Mar 10, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Watch KRNY, get fair value alerts →
Earlier news
- Kearny Financial GAAP EPS of $0.16 misses by $0.03, revenue of $45.28M misses by $3.47M
- Kearny Financial declares $0.11 dividend
- Kearny (KRNY) Q1 Earnings and Revenues Lag Estimates
- Kearny: Fiscal Q1 Earnings Snapshot
Compare Kearny Financial Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs KRNY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs KRNY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs KRNY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs KRNY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs KRNY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs KRNY |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs KRNY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs KRNY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs KRNY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs KRNY |
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Key figures of Kearny Financial Corp
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