Kearny Financial

KRNY · NASDAQ

$9.06+$0.19 (+2.14%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $8.87

KRNY analyst rating

BuyConsensus of 3 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy3
Hold0
Underperform0
Sell0

12-month price target · 5 analysts

Average $10.88 (+20.1% upside)

Low: $10.60
Now: $9.06
High: $11.55

Upgrades and downgrades

The latest rating actions, newest first

KRNY analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Raymond James	Aug 27, 2026	Initiates	Outperform	$11.00	54%
Piper Sandler	Jun 25, 2026	Maintains	Overweight	$9.50 → $10.50	64%
Piper Sandler	Apr 27, 2026	Initiates	Overweight	$9.50	64%
Piper Sandler	Dec 10, 2025	Maintains	Overweight	$7.50 → $9.00	74%

The case for and against

Updated Oct 19, 2025

Bull case

Kearny Financial Corp has demonstrated a notable expansion in its core net interest margin (NIM), which increased by 13 basis points quarter-over-quarter, and is expected to continue this upward trend through fiscal 2026 as higher loan repricing and declining certificate of deposit (CD) costs positively impact the bank’s earnings. The bank is projected to witness a resumption of positive earnings per share (EPS) growth, forecasting an increase of 6% in 2025 and accelerating to 12% in 2026, supported by improvements in net interest income (NII) and margin despite muted loan growth. Additionally, the bank's liability-sensitive balance sheet is starting to enhance its margin and profitability, indicating a recovery from the first quarter of fiscal 2025 trough as these trends further develop.

Bear case

The negative outlook on Kearny Financial's stock is primarily attributed to a slight reduction in net interest income (NII) projections, with anticipated decreases of -0.2% and -0.7% for fiscal years 2025 and 2026, respectively. Additionally, the bank is experiencing a contraction in net interest margin (NIM), which has fallen to approximately 1.8%, thereby limiting its return on tangible common equity (ROTCE). Furthermore, loan growth projections have also been lowered to +2.6% and +3.7%, down from previously anticipated rates, which raises concerns about the bank's overall profitability profile and growth trajectory.

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