KRNY
Kearny Financial Corporation
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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Kearny Financial (KRNY) Stock: Buy, Sell, or Hold?
$9.27
-0.01 (-0.11%)
âŧ
5d:
-0.54%
30d:
+2.32%
90d:
-3.44%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (64%)
Quality Score
49/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$9.03 â $9.29
Position: SLIGHTLY HIGH
Forward P/E & Valuation
11.9x
FAIR
vs 10.4x historical avg
Wall Street Target
$10.50
+13.3% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$8.90 / $9.54
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: KRNY is fairly priced but lacks strong directional signals. At 4.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$15.80
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$9.81
5.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: KRNY is currently trading at $9.27, which is considered slightly high relative to its 30-day fair value range of $9.03 to $9.29. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.9) compared to its historical average (10.4). At these levels, the market is pricing in 4.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, KRNY is in a downtrend. The price is approaching resistance at $9.54. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 55/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $10.50 (+13.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, KRNY is in a downtrend. The price is approaching resistance at $9.54. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 55/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $10.50 (+13.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$9.03 -
$9.29
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
63.8%
Trading Range & Key Levels
30-Day Trading Range
$9.03 -
$9.29
Current vs Trading Range
SLIGHTLY HIGH
Support Level
$8.90
Resistance Level
$9.54
Current Trend
Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($10.50)
- NEUTRAL: Market pricing in 4.5% annual earnings growth - fairly valued
- WARNING: Composite score 49/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
11.88
Wall Street Target
$10.50
(+13.3%)
Revenue Growth (YoY)
1.9%
Earnings Growth (YoY)
6.1%
Profit Margin
20.8%
Valuation Premium vs History
+4.5% premium
PE vs Historical
11.9 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.5%
(market-implied from PE analysis)
1-Year Target
$9.69
(+5%)
2-Year Target
$10.12
(+9%)
3-Year Target
$10.58
(+14%)
3-Yr Target (if PE normalizes)
(PE: 12â10)
PE COMPRESSION
$9.26
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 26.8%)
$31.60
(+241%)
Base:
(SPY PE: 11.9, Growth: 26.8%)
$18.91
(+104%)
Bear:
(PE: 10.1, Growth: 26.8%)
$16.08
(+73%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 16.00 | Current EPS (TTM): $0.58
Bull Case
$13.73
(+48%)
Analyst growth 34.5%, PE expands to 17.6
Base Case
$12.48
(+35%)
Market implied 34.5%, PE stable at 16.0
Bear Case
$6.31
(-32%)
Severe decline -20.0%, PE contracts to 13.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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Last updated: November 11, 2026 9:41 PM ET
Data refreshes hourly during market hours. Next update: 10:41 PM
Data refreshes hourly during market hours. Next update: 10:41 PM
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Insider Activity (6 Months)
0
Buys
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Sells
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Net
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