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Kearny Financial (KRNY) investor relations material
Kearny Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q4 2025 was $6.8 million ($0.11 per diluted share), up from $6.6 million in Q3 2025, reflecting consistent performance and disciplined management.
Pre-tax, pre-provision EPS rose 23% to $0.16 per diluted share, driven by a 10 bps net interest margin expansion.
Non-interest income grew 9.4% in Q4 2025, supported by higher BOLI income, loan sale gains, and stronger fee revenue.
Credit quality remained strong, with negligible net charge-offs for both the quarter and year.
Regulatory approval received to consolidate three branches, with closures expected by October 2025 and minimal financial impact.
Financial highlights
Total assets stood at $7.7 billion as of June 30, 2025.
Loans receivable at June 30, 2025 were $5.81 billion; deposits were $5.68 billion.
Q4 2025 net interest income rose 5.3% to $35.8 million; net interest margin increased 10 bps to 2.00%.
Non-interest expense to average assets was 1.62%, reflecting disciplined expense management.
CET-1 ratio was 14.49%, well above regulatory minimums.
Outlook and guidance
CRE loan repricing through 2029 is projected to generate a cumulative annual increase in interest income of $55 million.
Management expects continued earnings growth and margin expansion, citing successful execution of strategy and favorable loan/time deposit repricing.
As loans mature, capital can be reallocated to higher-yielding asset classes to enhance returns.
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Next Kearny Financial earnings date
AGM 202521 Oct, 2025
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AGM 202521 Oct, 2025
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Frequently asked questions
Kearny Financial Corp. is a publicly traded financial holding company that operates primarily through its subsidiary, Kearny Bank. The company provides a range of banking and financial services to individuals, families, and businesses. Its offerings include personal and business checking accounts, savings accounts, money market accounts, and certificates of deposit. Kearny Financial Corp. also offers mortgage loans, commercial real estate loans, and other types of personal and business loans. The company serves its customers through a network of branches located in New Jersey and New York. The company is headquartered in Fairfield, New Jersey, and its shares are listed on the NASDAQ.
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