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Upturn AI Summary - About
Kearny Financial Corp(KRNY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KRNY
11/06/2026: KRNY (3-star) is currently NOT-A-BUY. Pass it for now.
Kearny Financial Corp is a long-standing regional bank holding company centered in New Jersey, serving local retail and commercial customers. The bank has a stable foundation based on conservative lending practices and a core deposit base, which offers consistent, albeit modest, value. While the company is focusing on digital modernization and expanding its commercial lending portfolio to drive growth, it faces significant risks from geographic concentration, interest rate volatility, and intense competition from larger regional banks and digital fintechs. Kearny may suit dividend-focused or value-oriented investors, provided they monitor the bank’s ability to manage margins and adapt its technology to evolving customer expectations.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | Kearny is a stable community bank with limited prospects for rapid, high-growth expansion. |
| Momentum investor | Weak fit | The stock typically lacks the high volatility or rapid price appreciation sought by momentum traders. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples typical of established regional banks. |
| Dividend investor | Strong fit | Consistent dividend payouts make it an attractive option for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the company is subject to sector-specific risks like interest rate changes and local economic downturns. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to market interest rate expectations and economic news. |
| Valuation risk | Low | The stock generally trades in line with its book value and historical industry averages. |
| Competition risk (banking) | Medium / high | Intense competition from larger banks and fintechs limits pricing power. |
| Business quality | Medium | The company is a solid community lender but lacks the product diversification of larger firms. |
| Dividend income | Medium | Dividends depend on earnings stability which can fluctuate with the interest rate environment. |
| Execution risk | Medium | Successfully managing loan quality and digitizing operations is critical for long-term performance. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 35.87% | Avg. Invested days 56 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 569.64M USD | Price to earnings Ratio 15.53 | 1Y Target Price 10.5 |
Price to earnings Ratio 15.53 | 1Y Target Price 10.5 | ||
Volume (30-day avg) 469.7K shares | Beta 0.59 | 52 Weeks Range 5.92 - 10.12 | Updated Date 11/08/2026 |
52 Weeks Range 5.92 - 10.12 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 4.87% | Basic EPS (TTM) 0.58 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on residential and commercial loans minus interest paid on deposits. | This is the primary way the bank profits, acting as the spread between loan interest income and deposit interest costs. |
| Non-Interest Income | Service charges on deposit accounts, loan fees, and wealth management services. | These are secondary fee-based revenues that help diversify income beyond core lending activities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 0.17 | Actual 0.16 |
Profitability
Profit Margin 20.76% | Operating Margin (TTM) 31.7% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 4.88% |
Valuation
Trailing PE 15.53 | Forward PE 11.49 | Enterprise Value 1.56B | Price to Sales(TTM) 3.21 |
Enterprise Value 1.56B | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 9.51 | Enterprise Value to EBITDA - | Shares Outstanding 63.22M | Shares Floating 60.12M |
Shares Outstanding 63.22M | Shares Floating 60.12M | ||
Percent Insiders 11.38 | Percent Institutions 73.22 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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