KRNY Stock Analysis: Buy, Sell, or Hold?
KRNY - Kearny Financial Corporation
$7.55
0.12 (1.62%)
▲
5d:
+2.72%
30d:
-2.83%
90d:
+0.53%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: KRNY shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: KRNY shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$14.91
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$9.26
18.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: KRNY is currently trading at $7.55, which is considered fair relative to its 30-day fair value range of $7.21 to $7.80. The stock's valuation (Forward PE: 8.4) is in line with its historical norms (8.7). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 50.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, KRNY is in a uptrend. The price is approaching resistance at $7.55. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: KRNY has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (19th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $8.50 (+14.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, KRNY is in a uptrend. The price is approaching resistance at $7.55. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: KRNY has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (19th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $8.50 (+14.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$7.21 -
$7.80
Company Quality Score
56/100
(HOLD)
Options IV Signal
19th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
84.6%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Options cheap (IV 19th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($8.50)
Fair Price Analysis
30-Day Fair Range
$7.21 -
$7.80
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$0.40
(5.3%)
Support & Resistance Levels
Support Level
$6.92
Resistance Level
$7.56
Current Trend
Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.44
Wall Street Target
$8.50
(+14.4%)
Revenue Growth (YoY)
15.0%
Earnings Growth (YoY)
50.0%
Profit Margin
19.8%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
8.4 vs 8.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$7.35
(-1%)
2-Year Target
$7.27
(-2%)
3-Year Target
$7.19
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$7.41
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 41.9%)
$56.24
(+657%)
Base:
(SPY PE: 8.4, Growth: 41.9%)
$21.25
(+186%)
Bear:
(PE: 7.2, Growth: 41.9%)
$18.06
(+143%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 13.71 | Current EPS (TTM): $0.52
Bull Case
$13.27
(+82%)
Analyst growth 69.2%, PE expands to 15.1
Base Case
$12.07
(+65%)
Market implied 69.2%, PE stable at 13.7
Bear Case
$4.85
(-34%)
Severe decline -20.0%, PE contracts to 11.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.4 to 8.7
Stabilization Target:
$7.66
(+3.0%)
PE Expansion Potential:
+3.0%
Share & Embed Analysis
Last updated: March 31, 2026 4:08 PM ET
Data refreshes hourly during market hours. Next update: 5:08 PM
Data refreshes hourly during market hours. Next update: 5:08 PM
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Technical Signals Check
Is KRNY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Timothy A Swansson
SELL
4000 shares
2026-03-10
Patrick M Joyce
SELL
4000 shares
2026-01-28
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