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Upturn AI SWOT - About
KRNY 
Kearny Financial Corp (KRNY)
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Upturn Advisory Summary
09/12/2025: KRNY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7.25
1 Year Target Price $7.25
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.34% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 411.89M USD | Price to earnings Ratio 15.62 | 1Y Target Price 7.25 |
Price to earnings Ratio 15.62 | 1Y Target Price 7.25 | ||
Volume (30-day avg) 2 | Beta 0.76 | 52 Weeks Range 5.25 - 8.17 | Updated Date 09/13/2025 |
52 Weeks Range 5.25 - 8.17 | Updated Date 09/13/2025 | ||
Dividends yield (FY) 6.57% | Basic EPS (TTM) 0.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.2% | Operating Margin (TTM) 24.46% |
Management Effectiveness
Return on Assets (TTM) 0.34% | Return on Equity (TTM) 3.48% |
Valuation
Trailing PE 15.62 | Forward PE 11.49 | Enterprise Value 1502431488 | Price to Sales(TTM) 2.72 |
Enterprise Value 1502431488 | Price to Sales(TTM) 2.72 | ||
Enterprise Value to Revenue 10.91 | Enterprise Value to EBITDA - | Shares Outstanding 62787700 | Shares Floating 59486340 |
Shares Outstanding 62787700 | Shares Floating 59486340 | ||
Percent Insiders 11.27 | Percent Institutions 66.44 |
Upturn AI SWOT
Kearny Financial Corp
Company Overview
History and Background
Kearny Financial Corp, founded in 1884 as Kearny Federal Savings Bank, is a community-based financial institution providing financial services primarily in northern and central New Jersey and Brooklyn and Staten Island, New York.
Core Business Areas
- Community Banking: Offers a range of traditional banking services including deposits, loans, and other financial products to individuals and small businesses.
Leadership and Structure
Craig L. Montanaro serves as Chairman and Chief Executive Officer. The organizational structure consists of various departments focused on lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages for home purchases and refinancing. Market share data is not readily available. Competitors include national and regional banks like Wells Fargo, JPMorgan Chase, and local credit unions.
- Commercial Real Estate Loans: Provides loans for commercial properties. Market share data is not readily available. Competitors include regional banks and specialty lenders.
- Consumer Loans: Includes auto loans, personal loans, and lines of credit. Market share data is not readily available. Competitors include credit unions and online lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Kearny Financial Corp positions itself as a community-focused bank, emphasizing customer service and local relationships. Its competitive advantage lies in its deep understanding of the local markets it serves and strong ties to the community.
Total Addressable Market (TAM)
The TAM is the total banking market in New Jersey and New York which is estimated to be in the hundreds of billions of dollars. Kearny Financial Corp is positioned to capture a fraction of this market through its community banking model.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid deposit base
- Conservative lending practices
Weaknesses
- Limited geographic footprint
- Smaller size compared to national banks
- Dependence on traditional banking model
- Lower technological investment compared to larger peers
Opportunities
- Expansion into new markets
- Increased digital banking offerings
- Strategic acquisitions
- Growth in commercial lending
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- Investors Bancorp (ISBC)
- Lakeland Bancorp (LBAI)
- OceanFirst Financial Corp (OCFC)
Competitive Landscape
Kearny Financial Corp faces stiff competition from larger regional banks and smaller community banks. Its advantage lies in its local market knowledge and customer relationships, but it needs to invest in technology to compete effectively.
Major Acquisitions
No recent significant acquisitions to report
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: None
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires dynamic data pulling, so placeholders are used.
Future Projections: Future projections requires dynamic data pulling, so placeholders are used.
Recent Initiatives: Recent initiatives includes focusing on digital transformation and expanding into new markets.
Summary
Kearny Financial Corp is a community bank with a strong local presence and a solid deposit base. It faces challenges from larger competitors and the need to invest in technology. Its conservative lending practices are a strength, but its limited geographic footprint could hinder growth. Strategic acquisitions and expansion into new markets could improve its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary. Financial data should be verified with official sources.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kearny Financial Corp
Exchange NASDAQ | Headquaters Fairfield, NJ, United States | ||
IPO Launch date 2005-02-24 | President, CEO & Director Mr. Craig L. Montanaro | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 504 | Website https://www.kearnybank.com |
Full time employees 504 | Website https://www.kearnybank.com | ||
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 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.
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