KRNY vs LKFN

Kearny Financial vs Lakeland Financial Corporation — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — LKFN scores higher on quality with 8.6/10 vs KRNY's 8.4/10. KRNY trades at $8.21 while LKFN trades at $60.11. Both analyzed daily using SEC EDGAR data across 13 institutional models.

KRNY

Banks - Regional
Kearny Financial
Quality
8.4
out of 10
Value Trap
Price
$8.21
Last close
Models
10/13
Active
VS

LKFN

Banks - Regional
Lakeland Financial Corporation
Quality
8.6
out of 10
Value Trap
15
SAFE
Price
$60.11
Last close
Models
12/13
Active
KRNY
Earnings Power Value sees +156.8% upside
Limited to 2/13 visible models
LKFN
Quality Score 8.6/10 — top tier
Limited to 2/13 visible models

KRNY vs LKFN — Fair Value Comparison

KRNY
$0$8$17$25 Price$8.21 Bayesian …$4.86 (-40.8%) Earnings …$21.09 (+156.8%)
LKFN
$0$24$47$71 Price$60.11 Bayesian …$29.22 (-51.4%) Earnings …$35.23 (-41.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType KRNY Fair ValueKRNY Upside LKFN Fair ValueLKFN Upside
Bayesian DCF Intrinsic $4.86 -40.8% $29.22 -51.4%
Earnings Power Value Intrinsic $21.09 +156.8% $35.23 -41.4%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

KRNY vs LKFN — Which Stock Is More Undervalued in 2026?

LKFN scores higher with a 8.6/10 quality rating vs KRNY's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do KRNY and LKFN Valuations Compare?

At $8.21, KRNY trades +40.8% above its Bayesian DCF fair value of $4.86, while LKFN at $60.11 trades +51.4% above its estimate of $29.22. LKFN shows a wider gap between price and intrinsic value.

Quality of Company: KRNY vs LKFN

KRNY earns a Quality of Company score of 8.4/10 compared to LKFN's 8.6/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: KRNY vs LKFN

Review the value trap analysis for both KRNY and LKFN to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both KRNY and LKFN operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. 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), and ensemble methods (CUCE).

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