Kearny Financial Corp.

NASDAQ•KRNY

CEO: Mr. Craig L. Montanaro

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2005-02-24

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.

Contact Information

120 Passaic Avenue, Fairfield, NJ, 07004-3510, United States

973-244-4500

www.kearnybank.com

Market Cap

$478.54M

P/E (TTM)

14.8

13.9

Dividend Yield

5.8%

52W High

$8.50

52W Low

$5.45

52W Range

71%

Rank37Top 34.1%

4.4

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.4 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q2 2026 Data

Revenue

$86.22M-0.16%

4-Quarter Trend

EPS

$0.15+81.82%

4-Quarter Trend

FCF

$14.68M+0.00%

4-Quarter Trend

2026 Q2 Earnings Highlights

Key Highlights

Six Month Net Income Jumps Net income reached $19.0M for six months ended December 31, 2025, a substantial increase from $12.7M last year.

Net Interest Margin Improves NIM expanded 31 basis points to 2.12% for the six-month period, driven by lower funding costs.

Loan Portfolio Moderately Contracts Net loans receivable decreased $58.3M sequentially to $5.71B, reflecting portfolio management actions.

Capital Ratios Remain Robust CET1 ratio strengthened to 13.79% as of December 31, 2025, significantly exceeding regulatory requirements.

Risk Factors

Credit Quality Shows Strain Provision for credit losses rose to $485K for six months, influenced by quantitative adjustments and charge-offs.

Nonperforming Assets Increased Total nonperforming loans grew $5.7M sequentially to $51.3M, largely due to multi-family mortgage segment increases.

Operating Expenses Rising Total non-interest expense increased $3.5M for the six months, driven primarily by higher salaries and technology costs.

Derivative Fair Value Declines Asset derivatives related to interest rate contracts saw fair value drop $9.8M since June 30, 2025.

Outlook

Earnings Sensitivity High EVE analysis indicates significant earnings volatility, showing nearly 30% EVE change under a 300 basis point upward shift.

Deposit Strategy Underway Management executed a $69.8M migration of consumer deposits into non-interest bearing accounts via repricing strategy.

Future OCI Reclassification Expected Expect $3.1M gain reclassified from OCI to interest expense over the next twelve months from cash flow hedges.

New Accounting Adoption Ahead Preparing for ASU 2024-03 adoption effective late 2026/2027 regarding detailed expense reporting disclosures.

Peer Comparison

Revenue (TTM)

KRNY

$343.87M

-1.6%

FBIZ

$279.25M

+6.4%

CARE

$251.68M

+5.0%

Gross Margin (Latest Quarter)

NFBK

314.9%

+0.0pp

BSRR

79.3%

+0.0pp

ACNB

77.1%

-3.2pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
RRBI	$592.22M	13.5	12.3%	0.0%
NFBK	$558.38M	667.3	0.1%	17.7%
AROW	$542.44M	12.3	10.6%	0.7%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

0.9%

Moderate Growth

4Q Net Income CAGR

12.4%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 22, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data