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Upturn AI SWOT - About
KRNY 
Kearny Financial Corp (KRNY)
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Upturn Advisory Summary
03/21/2025: KRNY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -16.97% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 404.91M USD | Price to earnings Ratio - | 1Y Target Price 7.88 |
Price to earnings Ratio - | 1Y Target Price 7.88 | ||
Volume (30-day avg) 331712 | Beta 0.77 | 52 Weeks Range 4.93 - 8.46 | Updated Date 03/30/2025 |
52 Weeks Range 4.93 - 8.46 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 7.02% | Basic EPS (TTM) -1.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -47.29% | Operating Margin (TTM) 24.93% |
Management Effectiveness
Return on Assets (TTM) -0.9% | Return on Equity (TTM) -8.79% |
Valuation
Trailing PE - | Forward PE 11.49 | Enterprise Value 1477798272 | Price to Sales(TTM) 2.73 |
Enterprise Value 1477798272 | Price to Sales(TTM) 2.73 | ||
Enterprise Value to Revenue 10.93 | Enterprise Value to EBITDA - | Shares Outstanding 64579700 | Shares Floating 59377022 |
Shares Outstanding 64579700 | Shares Floating 59377022 | ||
Percent Insiders 12.04 | Percent Institutions 64.09 |
Analyst Ratings
Rating 3 | Target Price 8.38 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Kearny Financial Corp
Company Overview
History and Background
Kearny Financial Corp was originally chartered as a federal savings and loan association in 1884. It has grown from a community-focused thrift institution to a larger regional bank through organic growth and acquisitions. The company converted from a mutual holding company structure to a fully stock-owned company.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Banking: Provides banking services to commercial clients, including commercial real estate lending, business loans, and treasury management services.
- Wealth Management: Offers wealth management and financial advisory services to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Internal structure is arranged around core business lines, with regional managers overseeing branch operations. As of the latest reporting, Craig Montanaro is the President and CEO.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Kearny Bank offers a range of residential mortgage products. Market share data for Kearny specifically is difficult to isolate but residential mortgages are a highly competitive market. Competitors include major national banks like JP Morgan Chase (JPM), Wells Fargo (WFC), and Bank of America (BAC), as well as other regional banks.
- Commercial Real Estate Loans: These loans are a significant part of Kearny's portfolio. Specific market share is challenging to determine. Key competitors are similar regional and national banks.
- Deposit Accounts: Checking, savings, and money market accounts for retail customers. These accounts are crucial for funding loans and earning interest income. Competitors include online banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as increasing interest rates, regulatory changes, and competition from fintech companies. Consolidation is occurring, and technological innovation is critical.
Positioning
Kearny Financial Corp positions itself as a community-focused bank providing personalized service, but also competes on a wider scale through its commercial lending activity. Its competitive advantage includes its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars in the US alone. Kearny Financial Corp's market position allows them to capture a share of this TAM in New Jersey and New York metro area.
Upturn SWOT Analysis
Strengths
- Strong local presence in New Jersey and New York metropolitan area
- Experienced management team
- Solid capital base
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking services
- Lower brand recognition compared to national banks
Opportunities
- Expansion into new markets
- Development of new digital banking products
- Acquisition of smaller banks or credit unions
- Increased demand for commercial real estate loans
Threats
- Rising interest rates
- Increased competition from online lenders
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- USB
- BOH
- TCBI
- CFR
Competitive Landscape
Kearny Financial Corp faces competition from larger national banks, regional banks, and online lenders. Its advantages include its local market knowledge and customer relationships. Its disadvantage is its smaller size and limited geographic diversification.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Kearny Financial Corp's growth has been driven by organic expansion and acquisitions. Historical growth rates should be reviewed to understand trends.
Future Projections: Future growth will depend on market conditions, competition, and the company's ability to execute its strategy. Analyst estimates are needed for projections.
Recent Initiatives: Recent strategic initiatives would likely include technological upgrades to its digital banking platforms, geographic expansion, and new product launches. These details need to be reviewed in latest earnings calls and SEC filings.
Summary
Kearny Financial Corp is a smaller regional bank with a strong local presence. It has a solid capital base and experienced management. The company faces challenges from larger competitors and the changing banking landscape, but it also has opportunities for growth through expansion and innovation.
Similar Companies
- USB
- BOH
- TCBI
- CFR
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- Industry Reports
Disclaimers:
This analysis is based on available information and is not financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor. Market share percentages are estimates and might not reflect the latest updates.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kearny Financial Corp
Exchange NASDAQ | Headquaters Fairfield, NJ, United States | ||
IPO Launch date 2005-02-24 | President, CEO & Director Mr. Craig L. Montanaro | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 552 | Website https://www.kearnybank.com |
Full time employees 552 | Website https://www.kearnybank.com | ||
Kearny Financial Corp. operates as the holding company for Kearny Bank that provides various banking products and services in the United States. It offers various deposit products, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, savings accounts, and certificates of deposit accounts. The company also provides various loans, such as multi-family and nonresidential real estate mortgage loans, commercial term loans and lines of credit, one- to four-family residential mortgage loans, and home equity loans and lines of credit; loans to individuals, builders, or developers for the construction of multi-family residential buildings or commercial real estate, or for the construction or renovation of one- to four-family residences; overdraft lines of credit; and personal loans. In addition, it engages in the investment activities. Kearny Financial Corp. was founded in 1884 and is headquartered in Fairfield, New Jersey.
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