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Upturn AI SWOT - About
KRNY 
Kearny Financial Corp (KRNY)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: 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 -6.06% | Avg. Invested days 29 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 390.69M USD | Price to earnings Ratio 14.4 | 1Y Target Price 7.25 |
Price to earnings Ratio 14.4 | 1Y Target Price 7.25 | ||
Volume (30-day avg) 2 | Beta 0.71 | 52 Weeks Range 5.25 - 8.17 | Updated Date 08/23/2025 |
52 Weeks Range 5.25 - 8.17 | Updated Date 08/23/2025 | ||
Dividends yield (FY) 7.22% | Basic EPS (TTM) 0.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 0.13 | Actual 0.11 |
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 14.4 | Forward PE 11.49 | Enterprise Value 1467933824 | Price to Sales(TTM) 2.58 |
Enterprise Value 1467933824 | Price to Sales(TTM) 2.58 | ||
Enterprise Value to Revenue 10.71 | Enterprise Value to EBITDA - | Shares Outstanding 64577000 | Shares Floating 59303146 |
Shares Outstanding 64577000 | Shares Floating 59303146 | ||
Percent Insiders 12.21 | Percent Institutions 66.74 |
Upturn AI SWOT
Kearny Financial Corp
Company Overview
History and Background
Kearny Financial Corp. was founded in 1884 as Kearny Federal Savings Bank. It converted from a mutual to a stock company in 2011. It has grown through organic expansion and acquisitions, focusing on community banking services in the New Jersey and New York metropolitan areas.
Core Business Areas
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and small businesses.
- Commercial Banking: Offers commercial real estate loans, business loans, and other financial services to commercial clients.
- Wealth Management: Offers wealth management services for individuals and corporations.
Leadership and Structure
Craig L. Montanaro is the President and CEO. The company has a board of directors and a management team overseeing various departments.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers residential mortgage loans. Competitors include large national banks and other regional banks. Market share data not publicly available for this specific product line but it is a part of Kearny's total lending.
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Competitors include commercial banks and private lenders. Market share data not publicly available for this specific product line but it is a part of Kearny's total lending.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include national banks and online banks. Market share data not publicly available for this specific product line but it is a part of Kearny's total deposit portfolio.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Digitalization is also a significant trend.
Positioning
Kearny Financial Corp. operates as a community-focused bank in the New Jersey and New York metropolitan areas. Its competitive advantages include its local market expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Kearny's region is estimated at hundreds of billions of dollars. Kearny's is well-positioned to serve a niche community-focused market.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Healthy Capital Ratios
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Vulnerability to interest rate fluctuations
- High dependence on local economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition opportunities
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Provident Financial Services Inc (PFS)
- OceanFirst Financial Corp. (OCFC)
- Lakeland Bancorp, Inc. (LBAI)
Competitive Landscape
Kearny Financial Corp. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its smaller size can be a disadvantage but it competes with a focus on personal service and community ties.
Growth Trajectory and Initiatives
Historical Growth: Requires access to historical financial data.
Future Projections: Future projections are based on analyst estimates. These estimates are not publicly available.
Recent Initiatives: Requires company-specific announcements such as Earnings Call Transcripts
Summary
Kearny Financial Corp is a community bank with a solid regional presence. It faces competition from larger institutions and fintech companies. Recent initatives are focused on digitalization and expansion. The bank is positioned for steady growth within its target market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate. Financial data may be outdated. Please consult with a financial professional before making any investment decisions.
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. It offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. The company 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. In addition, it engages in the investment activities. Kearny Financial Corp. was founded in 1884 and is headquartered in Fairfield, New Jersey.
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