Kearny Financial Corp.

NasdaqGS:KRNY Stock Report

Market Cap: US$504.2m

Kearny Financial Valuation

Is KRNY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of KRNY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: KRNY ($7.93) is trading above our estimate of fair value ($6.28)

Significantly Below Fair Value: KRNY is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for KRNY?

Key metric: As KRNY is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for KRNY. This is calculated by dividing KRNY's market cap by their current book value.
What is KRNY's PB Ratio?
PB Ratio0.7x
BookUS$751.54m
Market CapUS$504.15m

Price to Book Ratio vs Peers

How does KRNY's PB Ratio compare to its peers?

The above table shows the PB ratio for KRNY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average1x
HONE HarborOne Bancorp
0.9x42.2%US$528.8m
FFIC Flushing Financial
0.8x27.2%US$519.5m
FFWM First Foundation
0.7x111.1%US$657.9m
HIFS Hingham Institution for Savings
1.5xn/aUS$620.0m
KRNY Kearny Financial
0.7x138.6%US$504.2m

Price-To-Book vs Peers: KRNY is good value based on its Price-To-Book Ratio (0.7x) compared to the peer average (1x).

Price to Book Ratio vs Industry

How does KRNY's PB Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / BookEstimated GrowthMarket Cap
FRCB First Republic Bank
0.002xn/aUS$27.98m
SBNY Signature Bank
0.0003xn/aUS$2.18m
BKES.F Banco Espírito Santo
n/an/aUS$56.01k
BCBH.F Caribbean Investment Holdings
n/an/aUS$132.00
No more companies available in this PB range
KRNY 0.7xIndustry Avg. 1.0xNo. of Companies128PB00.61.21.82.43+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: KRNY is good value based on its Price-To-Book Ratio (0.7x) compared to the US Banks industry average (1x).

Price to Book Ratio vs Fair Ratio

What is KRNY's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

KRNY PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.7x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate KRNY's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst KRNY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$7.93
US$7.63
-3.8%
4.9%US$8.00US$7.25n/a2
Nov ’25US$7.04
US$7.63
+8.3%
4.9%US$8.00US$7.25n/a2
Oct ’25US$6.63
US$7.63
+15.0%
4.9%US$8.00US$7.25n/a2
Sep ’25US$6.81
US$7.25
+6.5%
3.4%US$7.50US$7.00n/a2
Aug ’25US$6.94
US$7.25
+4.5%
3.4%US$7.50US$7.00n/a2
Jul ’25US$6.00
US$6.25
+4.2%
4.0%US$6.50US$6.00n/a2
Jun ’25US$5.67
US$6.25
+10.2%
4.0%US$6.50US$6.00n/a2
May ’25US$5.51
US$6.25
+13.4%
4.0%US$6.50US$6.00n/a2
Apr ’25US$6.29
US$6.88
+9.3%
1.8%US$7.00US$6.75n/a2
Mar ’25US$6.14
US$7.88
+28.3%
14.3%US$9.00US$6.75n/a2
Feb ’25US$7.26
US$7.88
+8.5%
14.3%US$9.00US$6.75n/a2
Jan ’25US$8.97
US$8.13
-9.4%
20.0%US$9.75US$6.50n/a2
Dec ’24US$8.30
US$7.25
-12.7%
10.3%US$8.00US$6.50n/a2
Nov ’24US$7.06
US$7.25
+2.7%
10.3%US$8.00US$6.50US$7.042
Oct ’24US$6.93
US$7.50
+8.2%
6.7%US$8.00US$7.00US$6.632
Sep ’24US$7.44
US$8.00
+7.5%
12.5%US$9.00US$7.00US$6.812
Aug ’24US$8.45
US$8.00
-5.3%
12.5%US$9.00US$7.00US$6.942
Jun ’24US$6.85
US$8.25
+20.4%
3.0%US$8.50US$8.00US$5.672
May ’24US$7.75
US$8.25
+6.5%
3.0%US$8.50US$8.00US$5.512
Apr ’24US$8.12
US$10.17
+25.2%
6.1%US$11.00US$9.50US$6.293
Mar ’24US$9.85
US$10.50
+6.6%
3.9%US$11.00US$10.00US$6.143
Feb ’24US$9.51
US$10.50
+10.4%
3.9%US$11.00US$10.00US$7.263
Jan ’24US$10.15
US$11.17
+10.0%
5.6%US$12.00US$10.50US$8.973
Dec ’23US$9.56
US$11.17
+16.8%
5.6%US$12.00US$10.50US$8.303
Nov ’23US$9.92
US$11.17
+12.6%
5.6%US$12.00US$10.50US$7.063

Analyst Forecast: Target price is lower than the current share price.

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