US · KRNY
Kearny Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Fairfield, NJ 07004
- Website
- kearnybank.com
Price · as of 2025-06-30
$8.13
Market cap 481.05M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $50.07 | +515.87% |
| Intrinsic Value(DCF) | $5.40 | -33.58% |
| Graham-Dodd Method(GD) | $5.57 | -31.46% |
| Graham Formula(GF) | $5.39 | -33.74% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.09 | $25.42 | $4.42 | $3.99 | $1.47 |
| 2012 | $4.85 | $27.00 | $4.42 | $3.86 | $0.22 |
| 2013 | $4.59 | $29.03 | $4.28 | $4.29 | $0.85 |
| 2014 | $7.55 | $29.58 | $4.61 | $4.81 | $0.85 |
| 2015 | $7.79 | $29.74 | $11.06 | $11.85 | $1.06 |
| 2016 | $9.60 | $25.33 | $10.82 | $11.28 | $4.95 |
| 2017 | $9.55 | $26.65 | $10.27 | $10.84 | $3.77 |
| 2018 | $9.65 | $23.59 | $12.47 | $10.26 | $7.10 |
| 2019 | $9.23 | $23.84 | $9.80 | $6.65 | $19.61 |
| 2020 | $6.02 | $26.41 | $10.60 | $8.80 | $4.78 |
| 2021 | $9.69 | $26.25 | $11.91 | $8.72 | $7.12 |
| 2022 | $9.11 | $22.81 | $12.36 | $7.90 | $2.10 |
| 2023 | $6.11 | $19.20 | $11.64 | $6.71 | $19.22 |
| 2024 | $5.84 | $16.42 | $7.21 | $0.00 | $0.00 |
| 2025 | $6.41 | $50.07 | $4.61 | $5.57 | $5.39 |
AI valuation
Our deep-learning model estimates Kearny Financial Corp.'s (KRNY) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $50.07
- Current price
- $8.13
- AI upside
- +515.87%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$5.40
-33.58% upside
Graham-Dodd
$5.57
-31.46% upside
Graham Formula
$5.39
-33.74% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| KRNY | Kearny Financial Corp. | $8.13 | 481.05M | +516% | -34% | -31% | -34% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| BSRR | Sierra Bancorp | $35.98 | 485.1M | +97% | -16% | +13% | +18% | 11.52 | 1.34 | 2.41 | -0.80 | 112.06 | 1.45 | 73.86% | 27.92% | 20.96% | 11.72% | -28.91% | 1.14% | 1.42 | 1.21 | 0.57 | 0.57 | 6.80 | 1028.00% | 567.00% | -3981.00% | 6.91% | 0.02 | -23.00% | 0.00% | 0.00% | 0.00% | -0.80 | -1.33 | -0.22 | -0.07 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| CARE | Carter Bankshares, Inc. | $20.84 | 460.29M | +154% | -24% | +23% | -6% | 14.99 | 1.12 | 1.85 | 16.22 | 46.75 | 1.13 | 61.68% | 15.71% | 12.32% | 7.80% | 23.55% | 0.66% | 0.43 | 0.39 | 0.05 | 0.00 | 4.46 | 3208.00% | 624.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 16.22 | — | 2.55 | -0.22 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| GCBC | Greene County Bancorp, In… | $22.07 | 375.78M | +130% | +15% | -13% | +70% | 12.63 | 1.65 | 2.96 | 0.48 | 48.19 | 1.65 | 55.69% | 26.08% | 23.42% | 14.00% | -22.60% | 1.06% | 0.54 | 0.60 | 0.19 | 0.19 | -1.58 | 2621.00% | 1307.00% | 1660.00% | 6.94% | 0.01 | -19.81% | 1.14% | 14.40% | 16.99% | 0.49 | 0.62 | 0.13 | -0.59 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| VBNK | VersaBank | $16.50 | 527.1M | +489% | -23% | -15% | -39% | 23.23 | 1.24 | 5.50 | 4.19 | — | 1.30 | 100.00% | 34.51% | 23.67% | 6.11% | 16.74% | 0.53% | 0.20 | 0.23 | 0.13 | 0.13 | -10.61 | -3960.00% | 770.00% | -36772.00% | -102.89% | -0.14 | -400.09% | 0.49% | 11.40% | 55.79% | 4.51 | -0.27 | 1.56 | -0.71 |
About Kearny Financial Corp.
Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. 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 first mortgage loans, and home equity loans and lines of credit; loans to individuals for the construction or renovation of one- to four-family residences, or for the construction of commercial real estate or multi-family residential buildings; overdraft lines of credit; and personal loans. In addition, the company engages in investment activities. As of August 18, 2021, it operated a total of 48 branch offices located throughout northern and central New Jersey and Brooklyn and Staten Island, New York. The company was founded in 1884 and is headquartered in Fairfield, New Jersey.
- CEO
- Craig L. Montanaro
- Employees
- 552
- Beta
- 0.67
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($5.40 ÷ $8.13) − 1 = -33.58% (DCF, example).