KRNY (Kearny Financial) Moat Score: 3/10 (As of Aug. 10, 2026)

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KRNY Kearny Financial Corp KRNY
55 GF Score
Price $9.46
GF Value $7.27
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Kearny Financial Moat Score?

Kearny Financial KRNY -0.63% 55 Moat Score is 3 as of Aug. 10, 2026. GuruFocus rates KRNY with a GF Score™ of 55/100 and a GF Value™ of $7.27 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,610 Banks companies, Kearny Financial ranks better than 74.66% on this metric.

Kearny Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Kearny Financial has No Moat: Kearny Financial lacks significant competitive advantages. It operates in a highly competitive banking sector with minimal differentiation, limited pricing power, and no significant regulatory barriers or network effects.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Kearny Financial might have No Moat - Very weak/transient advantages.

Kearny Financial  (NAS:KRNY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Kearny Financial Moat Score Related Terms

KRNY vs CBNK, NPB, CIVB: Moat Score Comparison

For the Banks - Regional subindustry, Kearny Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Kearny Financial Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Kearny Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Kearny Financial's Moat Score falls into.


KRNY
55GF Score
Kearny Financial Corp KRNY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Kearny Financial (KRNY) has a Moat Score of 3 as of Aug. 10, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Kearny Financial ranks #408 out of 1610 companies in the Banks industry, placing it in the top 25.3%.
Is Kearny Financial's Moat Score too high?
Kearny Financial's current Moat Score is 3. Based on the distribution chart, Kearny Financial ranks #408 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Kearny Financial has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kearny Financial's Moat Score compare to CBNK and NPB?
According to the Banks industry distribution chart, Kearny Financial ranks #408 out of 1610 companies for Moat Score. This puts Kearny Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Kearny Financial's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kearny Financial stock overvalued right now?
Based on GuruFocus' analysis, Kearny Financial (KRNY) is currently considered Modestly Overvalued. The stock's GF Value™ is $7.27, compared to a current price of $9.46 — trading 30.1% above its estimated fair value. The current Moat Score is 3. Kearny Financial's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Kearny Financial (KRNY), the current Moat Score is 3 as of Aug. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kearny Financial (KRNY) Overvalued in 2026?

Based on GuruFocus' analysis, Kearny Financial stock appears to be overvalued. The current stock price of $9.46 is trading 30.1% above its estimated GF Value™ of $7.27. GuruFocus considers Kearny Financial to be Modestly Overvalued.

Key valuation signals for KRNY:

  • Moat Score: 3
  • GF Value™: $7.27 vs. price of $9.46 (30.1% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the KRNY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Kearny Financial Business Description

Address 120 Passaic Avenue, Fairfield, NJ, USA, 07004
Kearny Financial Corp is a federally-chartered stock savings bank. The bank is engaged in the business of attracting deposits from the general public in New Jersey and New York, and using these deposits, together with other funds, to originate or purchase loans for its portfolios and invest in securities. The bank's loan portfolio is chiefly comprised of loans collateralized by commercial and residential real estate. The bank's primary source of income is net interest income.
55GF Score

Get the complete analysis for KRNY

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.46
Price
$7.27
GF Value