Kearny Financial Corp (KRNY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Kearny Financial Corp stock (KRNY) is currently trading at $7.34. Kearny Financial Corp PE ratio is 13.71. Kearny Financial Corp PS ratio (Price-to-Sales) is 2.75. Analyst consensus price target for KRNY is $8.50. WallStSmart rates KRNY as Moderate Buy.
- KRNY PE ratio analysis and historical PE chart
- KRNY PS ratio (Price-to-Sales) history and trend
- KRNY intrinsic value — DCF, Graham Number, EPV models
- KRNY stock price prediction 2025 2026 2027 2028 2029 2030
- KRNY fair value vs current price
- KRNY insider transactions and insider buying
- Is KRNY undervalued or overvalued?
- Kearny Financial Corp financial analysis — revenue, earnings, cash flow
- KRNY Piotroski F-Score and Altman Z-Score
- KRNY analyst price target and Smart Rating
Kearny Financial Corp
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KRNY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Kearny Financial Corp (KRNY)
KRNY trades at a significant discount to its Graham intrinsic value of $24.34, offering a 67% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Kearny Financial Corp (KRNY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around peg ratio and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Kearny Financial Corp (KRNY) Key Strengths (5)
Keeps $31 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 50.00% year-over-year
Strong profitability: $20 kept per $100 revenue
67.36% held by institutions, strong professional interest
Supporting Valuation Data
Kearny Financial Corp (KRNY) Areas to Watch (5)
Very low returns on shareholder equity
Very expensive relative to growth, significant premium
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.75x sales
Solid revenue growth at 15.00% per year
Supporting Valuation Data
Kearny Financial Corp (KRNY) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.59) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 31.10%, Profit Margin at 19.80%. Growth metrics are encouraging with EPS Growth at 50.00%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Market Cap. Some valuation metrics including PEG Ratio (15.99), Price/Sales (2.75) suggest expensive pricing. Growth concerns include Revenue Growth at 15.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.31%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.31% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
KRNY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
KRNY's Price-to-Sales ratio of 2.75x trades at a deep discount to its historical average of 5.64x (12th percentile). The current valuation is 76% below its historical high of 11.32x set in Nov 2006, and 54% above its historical low of 1.78x in Sep 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Kearny Financial Corp (KRNY) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Kearny Financial Corp is a mature, profitable business with steady cash generation. Revenue reached 163M with 15% growth year-over-year. Profit margins of 19.8% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 431.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 14M in free cash flow and 14M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 2.63 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Dividend sustainability with a current yield of 6.2%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 2.0B is significantly higher than cash (147M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Kearny Financial Corp.
Bottom Line
Kearny Financial Corp is a well-established business delivering consistent profitability with 19.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(7 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:27:43 AM
About Kearny Financial Corp(KRNY)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Kearny Financial Corp. The company is headquartered in Fairfield, New Jersey.