B+
Bull case
20%
Probability
Target price
$10.75
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
KRNY
Kearny FinancialCNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
FY26 showed stronger profitability, improving margin, loan and deposit growth, better efficiency, and tangible book value growth. The commercial strategy and loan repricing could support further earnings improvement if execution holds.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -3.0.
What can break
Adjusted Q4 EPS missed consensus and sequential net income declined.
Momentum
43
Value
49
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $9.65 · Bull $10.75 · Bear $8.15Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-23
Investment thesis
As of 2026-10-23
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $10.67
Why
Momentum43 · Δ7d -10.1
Value49 · Δ7d -0.3
Sentiment56 · Δ7d -3.0
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -3.0.
Contradictions & invalidation
- • Adjusted Q4 EPS missed consensus and sequential net income declined.
- • Commercial, construction, and home-equity growth may increase credit and execution risk.
- • The latest quarter missed adjusted EPS consensus and declined sequentially, while higher borrowings, deposit migration, one-time expenses, and the risks of commercial/construction loan growth create near-term uncertainty.
Catalyst clock
2026-07-23
Mixed FY26 earnings follow-up
Lead driver: Sentiment · See AI snapshot
Momentum
43
8% active weight
Current posture
7d trendSoftening
Δ7d
-10.1
Δ21d
-18.9
Value
49
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+0.2
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.0
Δ21d
-9.0
Why this grade
Composite grade C. Momentum 42.5 / Value 49.2 / Sentiment 56.1
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$9.65
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$8.15
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-23
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$603.84M
Beta
0.68
Shares Out
64.93M
P/E (TTM)
15.9
P/S (TTM)
3.01
P/FCF (TTM) · Derived
89.08
Rev YoY
+2.2%
EPS YoY
+4.8%
Gross Margin
-
Op Margin
+13.7%
Net Debt
$1.14B
Current Ratio
0.03
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data