Kearny Financial Corp. (KRNY) Fair Value 2026

KRNY · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.2 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Kearny Financial Corp. (KRNY) trades at $10.01, versus a $8.14 median fair value across its 5 active models — 18.7% below the current price. QOC: 7.2/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
KRNY
Price
$10.01
Quality Score
7.2/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Kearny Financial Corp. (KRNY) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Kearny Financial Corp. (KRNY) appears overvalued as of : the median of 5 independent fair value estimates is $8.14, 18.7% below the current price of $10.01. Estimates range from $5.65 to $15.26. KRNY scores 7.2/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. KRNY’s -18.7% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Kearny Financial Corp. Stock in 2026? →

What Fair Value Does Each Model Give KRNY?

5 Intrinsic Value Models vs. Current Price ($10.01)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $8.14 -18.7%
Intrinsic · High Conviction
 $6.10 -39.1%
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What Is KRNY's Fair Value Range?

Spread across 5 independent models · $5.65 to $15.26

CirclFi's 5 active models place Kearny Financial Corp. (KRNY) between $5.65 and $15.26 per share, a spread of 118% of the median. The median of that range — $8.14 — is the fair value CirclFi publishes for KRNY, against a current price of $10.01.

Low · ML-RIVHigh · Regime Cross
$5.65median $8.14$15.26
Where the range comes from
Most bearish modelML Residual Income$5.65
Most bullish modelRegime Cross-Sectional$15.26
Model agreement2 bullish · 3 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for KRNY. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on KRNY, not a CirclFi price target. How each model works →

What Is Kearny Financial Corp. (KRNY) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Kearny Financial Corp.'s intrinsic value is estimated at a median fair value of $8.14. Trading at $10.01, the stock is approaching fair value or slight overvaluation (implied return of -18.7%), as 3 of 5 models suggest limited further upside. The most optimistic model, Regime Cross, places fair value at $15.26 (+52.5%), while ML-RIV — the most conservative — estimates $5.65 (-43.5%). This +96.0% gap reflects genuine analytical uncertainty about Kearny Financial Corp.'s intrinsic worth.

What Do the Models Say About KRNY?

5 of 13 models are currently active for KRNY. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for KRNY is $8.14 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does KRNY Rank in Banks - Regional?

Among 349 Banks - Regional stocks, KRNY ranks #292 by Quality of Company score. CirclFi's QOC score of 7.2/10 evaluates 32 fundamental signals. A score of 7.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to banking businesses. For Kearny Financial Corp., metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.

Is KRNY a Value Trap?

CirclFi's Value Trap algorithm assigns KRNY a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Kearny Financial Corp.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Kearny Financial Corp. scores 7.2 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +96.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every KRNY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across KRNY's 5 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Kearny Financial Corp. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

HYNEHoyne Bancorp, Inc.QOC 7.2GBFHGBank Financial Holdings Inc.QOC 7.2UBCPUnited Bancorp, Inc.QOC 7.2MCHBMechanics BancorpQOC 7.1CULLCullman Bancorp, Inc.QOC 7.2FINWFinWise BancorpQOC 7.1CFGCitizens Financial Group, Inc.QOC 8.7LKFNLakeland Financial CorporationQOC 8.3BPRNPrinceton Bancorp, Inc.QOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: HYNE · GBFH · UBCP · MCHB · CULL · FINW · CFG · LKFN · BPRN · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to KRNY?

6 companies across all industries closest to KRNY’s Quality of Company score of 7.2/10.

CPSHCPS Technologies CorporationQOC 7.2JYNTThe Joint Corp.QOC 7.2MRDNMeridian Holdings Inc.QOC 7.2SLABSilicon Laboratories Inc.QOC 7.2ROOTRoot, Inc.QOC 7.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CPSH · JYNT · MRDN · SLAB · ROOT · NVDA

Where Does KRNY Sit in CirclFi's Banks - Regional Rankings?

KRNY is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Kearny Financial Corp.’s Valuation?

What is Kearny Financial Corp.'s intrinsic value in 2026?

CirclFi puts Kearny Financial Corp. (KRNY)'s intrinsic value at $8.14 — the median of 5 independent model estimates as of 2026-08-27, ranging from $5.65 to $15.26. The Quality of Company score is 7.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is KRNY overvalued or undervalued right now?

At $10.01, 2 of 5 active models suggest KRNY may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $8.14, 18.7% below the current price of $10.01 — a consensus view that KRNY is overvalued. The assessment depends on which methodology best fits Kearny Financial Corp.'s business model in Banks - Regional.

What does a Quality of Company score of 7.2 mean for KRNY?

Kearny Financial Corp.'s QOC of 7.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on KRNY?

CirclFi analyzes KRNY with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on KRNY?

Of the 5 models currently active on KRNY, Regime Cross-Sectional is the most bullish at $15.26 per share, and ML Residual Income is the most bearish at $5.65. CirclFi's published fair value for KRNY is the median of that range, $8.14, not either extreme. The gap between the two ends equals 118% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is KRNY a value trap in 2026?

Kearny Financial Corp.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Kearny Financial Corp. (KRNY) has a median fair value of $8.14 — 18.7% below the current price of $10.01 — as of 2026-08-27.” Source: circlfi.com/stock/KRNY/ · Methodology
Primary sources for this KRNY valuation
  • Financial statements: Kearny Financial Corp. 10-K and 10-Q filings on SEC EDGAR (CIK 0001617242) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for KRNY as of ; valuations recomputed .

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