KRNY Stock Analysis: Buy, Sell, or Hold?
KRNY - Kearny Financial Corporation
$7.79
0.04 (0.52%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: KRNY shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: KRNY shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$15.25
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$9.47
17.7% 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 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: KRNY is currently trading at $7.79, which is considered slightly high relative to its 30-day fair value range of $7.48 to $7.89. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (8.8). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% 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 strong uptrend. Immediate support is located at $7.53, while resistance sits at $8.50.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $9.00 (+15.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, KRNY is in a strong uptrend. Immediate support is located at $7.53, while resistance sits at $8.50.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $9.00 (+15.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$7.48 -
$7.89
Company Quality Score
58/100
(HOLD)
Options IV Signal
30th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
64.2%
All Signals
- NEUTRAL: Options fairly priced (IV 30th percentile)
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($9.00)
Fair Price Analysis
30-Day Fair Range
$7.48 -
$7.89
Current vs Fair Value
SLIGHTLY HIGH
Expected Move (7 Days)
±$0.54
(6.9%)
Support & Resistance Levels
Support Level
$7.53
Resistance Level
$8.50
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
8.75
Wall Street Target
$9.00
(+15.5%)
Revenue Growth (YoY)
15.0%
Earnings Growth (YoY)
50.0%
Profit Margin
19.8%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
8.8 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$7.78
(0%)
2-Year Target
$7.77
(0%)
3-Year Target
$7.77
(0%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$7.81
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 29.9%)
$43.53
(+459%)
Base:
(SPY PE: 8.8, Growth: 29.9%)
$17.09
(+119%)
Bear:
(PE: 7.4, Growth: 29.9%)
$14.52
(+86%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 16.17 | Current EPS (TTM): $0.47
Bull Case
$15.83
(+103%)
Analyst growth 89.4%, PE expands to 17.8
Base Case
$14.39
(+85%)
Market implied 89.4%, PE stable at 16.2
Bear Case
$5.17
(-34%)
Severe decline -20.0%, PE contracts to 13.7
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 8.8 to 8.8
Stabilization Target:
$7.83
(+0.5%)
PE Expansion Potential:
+0.5%
Last updated: February 01, 2026 10:55 AM ET
Data refreshes hourly during market hours. Next update: 11:55 AM
Data refreshes hourly during market hours. Next update: 11:55 AM
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Technical Signals Check
Is KRNY showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Leopold W Montanaro
BUY
10000 shares
2025-09-19
Melvina Wong-Zaza
BUY
1375 shares
2025-08-08
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Advanced KRNY Option Strategies
Professional options setups generated by AI based on today's KRNY price and gamma walls.
