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Upturn AI SWOT - About
KRNY 
Kearny Financial Corp (KRNY)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
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 -0.69% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 417.83M USD | Price to earnings Ratio - | 1Y Target Price 7.25 |
Price to earnings Ratio - | 1Y Target Price 7.25 | ||
Volume (30-day avg) 2 | Beta 0.69 | 52 Weeks Range 5.35 - 8.32 | Updated Date 06/30/2025 |
52 Weeks Range 5.35 - 8.32 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 6.80% | Basic EPS (TTM) -1.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -47.78% | Operating Margin (TTM) 24.32% |
Management Effectiveness
Return on Assets (TTM) -0.91% | Return on Equity (TTM) -8.86% |
Valuation
Trailing PE - | Forward PE 11.49 | Enterprise Value 1473197440 | Price to Sales(TTM) 2.82 |
Enterprise Value 1473197440 | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 10.72 | Enterprise Value to EBITDA - | Shares Outstanding 64579700 | Shares Floating 59412782 |
Shares Outstanding 64579700 | Shares Floating 59412782 | ||
Percent Insiders 12.03 | Percent Institutions 65.29 |
Analyst Ratings
Rating 2 | Target Price 7.25 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Kearny Financial Corp
Company Overview
History and Background
Kearny Financial Corp. was founded in 1884 as Kearny Federal Savings and Loan Association. It converted to a stock holding company in 2013.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Real Estate Lending: Focuses on originating residential and commercial real estate loans.
Leadership and Structure
Craig Montanaro is the Chief Executive Officer. The company has a board of directors overseeing its operations.
Top Products and Market Share
Key Offerings
- Competitors: Competitors include large national banks and other regional banks: JPM, WFC, USB.
- Residential Mortgages: Residential mortgage loans are a key offering. Market share data is not readily available in the aggregate. Competitors include large national banks and other regional banks.
- Commercial Real Estate Loans: Commercial real estate loans are a significant part of the loan portfolio. Market share data is not readily available. Competitors include other regional banks and credit unions.
- Competitors: Competitors include other regional banks and credit unions: Valley National, Provident Financial.
- Competitors: Competitors are other local and national banks: BOA, C, PNC.
- Deposit Accounts: Offers various deposit accounts like checking, savings, and money market accounts. Competitors are other local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies.
Positioning
Kearny Financial Corp. is a community-focused bank operating primarily in New Jersey and New York. Its competitive advantage lies in its local presence and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the New Jersey and New York area is significant. Kearny Financial Corp. aims to serve a portion of this market through its community banking approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to larger competitors
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for local banking services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Provident Financial Services (PFS)
- OceanFirst Financial Corp. (OCFC)
- Investors Bancorp Inc (ISBC) (Acquired by Citizens Financial Group (CFG))
Competitive Landscape
Kearny Financial Corp. competes with regional and national banks, as well as credit unions. Its advantage lies in its community focus and customer service. Disadvantages include its smaller size and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Information on Historical Growth unavailable at this time, a future version may provide these figures.
Future Projections: Information on Future Projections unavailable at this time, a future version may provide these figures.
Recent Initiatives: Information on Recent Initiatives unavailable at this time, a future version may provide these figures.
Summary
Kearny Financial Corp. is a community-focused bank with a strong presence in New Jersey and New York. Its strengths lie in its local relationships and customer service. Challenges include competition from larger banks and fintech companies and a limited geographic reach. Future growth may depend on strategic acquisitions and adoption of new technologies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Unavailable to provide detail)
- Industry Databases (Unavailable to provide detail)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on limited information. Future versions of this response may include more precise data and updated market analysis.
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 552 | Website https://www.kearnybank.com |
Full time employees 552 | 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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