Is KEY or KRNY more undervalued in 2026?

CirclFi compares KeyCorp (KEY) and Kearny Financial (KRNY) using 13 institutional-grade valuation models. KEY has a Quality of Company score of 7.8/10 while KRNY scores 8.4/10.

Which is a better buy — KEY or KRNY?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do KEY and KRNY valuations compare?

KEY at $21.34 and KRNY at $8.21 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

KEY vs KRNY Valuation Comparison 2026 — Intrinsic Value Analysis

KEY

Banks - Regional

KeyCorp

Quality

7.8

out of 10

Value Trap

SAFE

Price

$21.34

Last close

Models

10/13

Active

KRNY

Banks - Regional

Kearny Financial

Quality

8.4

out of 10

Value Trap

—

Price

$8.21

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	KEY Fair Value	KEY Upside	KRNY Fair Value	KRNY Upside
Bayesian DCF	Intrinsic	$2.31	-89.2%	$4.86	-40.8%
Earnings Power Value	Intrinsic	$9.91	-53.6%	$21.34	+159.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for KEY vs KRNY — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

KEY vs KRNY — Which Stock Is More Undervalued?

KRNY scores higher with a 8.4/10 quality rating vs KEY's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing KeyCorp (KEY) and Kearny Financial (KRNY) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

KEY currently trades at $21.34 with a QOC of 7.8/10, while KRNY trades at $8.21 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).