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  Title	Form 8-K - Current report
  ID	6394785
  External ID	7510225062
  Author	Unknown
  Published Date	Jan. 30, 2025, 8 a.m.
  Summary	FALSE UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 _____________________________ FORM 8-K _____________________________ CURRENT REPORT Pursuant to Section 1
  Tags	None
  URL	https://mx.advfn.com/bolsa-de-valores/nasdaq/krny/noticias/95338358/form-8-k-current-report
  Sentiment	Negative: 0.02788    Neutral: 0.94623    Positive: 0.02589
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• Content Details

  Content ID	3949777
  Key	f18629ba-7042-43e6-ab3d-ca338dabb7e8
  Content	FALSE UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 _____________________________ FORM 8-K _____________________________ CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2025 _____________________________ KEARNY FINANCIAL CORP. (Exact name of Registrant as Specified in Its Charter) _____________________________ Maryland (State or Other Jurisdiction of Incorporation) (Commission File Number) (IRS Employer Identification No.) 120 Passaic Avenue Fairfield New Jersey (Address of Principal Executive Offices) (Zip Code) Registrant's Telephone Number, Including Area Code: (Former Name or Former Address, if Changed Since Last Report) _____________________________ Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below): ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, $0.01 par value KRNY The NASDAQ Stock Market LLC Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ Item 2.02 Results of Operation and Financial Condition On January 30, 2025, Kearny Financial Corp. (the “Company”), the holding company for Kearny Bank, issued a press release reporting its financial results for the period ended December 31, 2024. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933. Item 7.01 Regulation FD Disclosure On January 30, 2025, the Company released a slide presentation that will be used in upcoming meetings with potential investors and current shareholders of the Company. A copy of the slide presentation that will be used in the Company's presentation is included as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference. The information included in this Current Report pursuant to this Item 7.01 is being furnished to, and not filed with, the Securities and Exchange Commission. Item 8.01 Other Events On January 30, 2025, the Company's Board of Directors announced a quarterly cash dividend of $0.11 per share, payable on February 26, 2025 to stockholders of record as of February 12, 2025. Item 9.01 Financial Statements and Exhibits (a) Financial Statements of Business Acquired. Not applicable. (b) Pro Forma Financial Information. Not applicable. (c) Shell Company Transaction. Not applicable. (d) Exhibits. Exhibit Number Description Press release dated January 30, 2025. Kearny Financial Corp. investor presentation dated January 30, 2025. Cover Page Interactive Data File (embedded within the Inline XBRL document). SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. KEARNY FINANCIAL CORP Date: January 30, 2025 By: /s/ Sean Byrnes Sean Byrnes Executive Vice President and Chief Financial Officer Exhibit 99.1 FOR IMMEDIATE RELEASE January 30, 2025 For further information contact: Keith Suchodolski, Senior Executive Vice President and Chief Operating Officer, or Sean Byrnes, Executive Vice President and Chief Financial Officer Kearny Financial Corp. KEARNY FINANCIAL CORP. ANNOUNCES SECOND QUARTER FISCAL 2025 RESULTS AND DECLARATION OF CASH DIVIDEND Fairfield, N.J., January 30, 2025 – Kearny Financial Corp. (NASDAQ GS: KRNY) (the “Company”), the holding company of Kearny Bank (the “Bank”), reported net income for the quarter ended December 31, 2024 of $6.6 million, compared to $6.1 million for the quarter ended September 30, 2024. Earnings per basic and diluted share were $0.11 and $0.10, respectively, for the quarter ended December 31, 2024. This compares to earnings per basic and diluted share of $0.10 for the quarter ended September 30, 2024. The Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.11 per share, payable on February 26, 2025, to stockholders of record as of February 12, 2025. Craig L. Montanaro, President and Chief Executive Officer, commented, “As anticipated, this quarter reflected the early stages of growth in net interest income and expansion of net interest margin. We are pleased to report growth in deposits of 3.7% from September 30, 2024, reflecting robust performance from our branch network, digital channels and commercial lending relationships. This growth allowed us to shrink the balance of outstanding borrowings while reducing our cost of funds by nine basis points quarter-over-quarter.” Mr. Montanaro continued, “Although market expectations for fed funds rate cuts have moderated, the continuation of positive deposit trends coupled with the reinvestment of low-coupon cash flows from our loan and securities portfolio should serve as earnings tailwinds in the coming quarters.” Balance Sheet • Total assets were $7.73 billion at December 31, 2024, a decrease of $41.0 million, or 0.5%, from September 30, 2024. • Investment securities totaled $1.15 billion at December 31, 2024, a decrease of $57.5 million, or 4.8%, from September 30, 2024. • Loans receivable totaled $5.79 billion at December 31, 2024, an increase of $7.5 million, or 0.1%, from September 30, 2024. • Deposits were $5.67 billion at December 31, 2024, an increase of $200.5 million, or 3.7%, from September 30, 2024. This increase was primarily driven by increases in interest and non-interest bearing demand deposits of $142.1 million, and an increase of $60.6 million in consumer savings deposits. • Borrowings were $1.26 billion at December 31, 2024, a decrease of $220.9 million, or 14.9%, from September 30, 2024, reflecting reductions in Federal Home Loan Bank (“FHLB”) and other borrowings. • At December 31, 2024, the Company maintained available secured borrowing capacity with the FHLB and the Federal Reserve Discount Window of $2.32 billion, an increase of $256.0 million from September 30, 2024, representing 30.0% of total assets. Earnings Net Interest Income and Net Interest Margin • Net interest margin expanded two basis points from the quarter ended September 30, 2024 to 1.82% for the quarter ended December 31, 2024. The increase for the quarter was driven by the replacement of borrowings with relatively lower cost deposits and broad based decreases in deposit rates, partially offset by higher costs and average balances of brokered certificates of deposit (“CDs”), along with reduced average balances and yields on interest-earning assets. • For the quarter ended December 31, 2024, net interest income increased $166,000 to $32.6 million from $32.4 million for the quarter ended September 30, 2024. Included in net interest income for the quarters ended December 31, 2024 and September 30, 2024, respectively, was purchase accounting accretion of $685,000 and $649,000, and loan prepayment penalty income of $288,000 and $52,000. Non-Interest Income • Non-interest income increased $247,000 to $4.9 million for the quarter ended December 31, 2024, from $4.6 million for the quarter ended September 30, 2024. This increase was primarily driven by a $104,000 larger gain on the sale of loans held-for-sale compared to the prior comparative period and a $102,000 increase in electronic banking fees and charges. Non-Interest Expense • For the quarter ended December 31, 2024, non-interest expense decreased $225,000, or 0.8%, to $29.6 million from $29.8 million for the quarter ended September 30, 2024. This decrease was primarily driven by a decrease in other expense, partially offset by an increase in salary and benefits expense. • Salary and benefits expense increased $81,000 primarily driven by the absence of a non-recurring decrease in stock-based compensation recorded in the prior comparative period, partially offset by a decrease in payroll taxes. • Other expense decreased $280,000 primarily driven by a reversal of $116,000 for credit losses related to off balance sheet commitments compared to a provision for credit losses on off balance sheet commitments of $274,000 recorded in the prior comparative period. The remaining changes in the other components of non-interest expense between comparative periods generally reflected normal operating fluctuations within those line items. Income Taxes • Income tax expense totaled $1.3 million for the quarter ended December 31, 2024 compared to $1.1 million for the quarter ended September 30, 2024, resulting in an effective tax rate of 16.0% and 15.1%, respectively. The increase in income tax expense was primarily due to higher pre-tax income in the current quarter. Asset Quality • The balance of non-performing assets decreased $2.2 million to $37.7 million, or 0.49% of total assets, at December 31, 2024, from $39.9 million, or 0.51% of total assets, at September 30, 2024, respectively. • Net charge-offs totaled $573,000, or 0.04% of average loans, on an annualized basis, for the quarter ended December 31, 2024, compared to $124,000, or 0.01% of average loans, on an annualized basis, for the quarter ended September 30, 2024. The net charge-offs recorded for the quarter ended December 31, 2024 had previously been individually reserved for within the allowance for credit losses (“ACL”). • For the quarter ended December 31, 2024, the Company recorded a provision for credit losses of $107,000, compared to $108,000 for the quarter ended September 30, 2024. The provision for credit loss expense for the quarter ended December 31, 2024 was primarily driven by loan growth. • The ACL was $44.5 million, or 0.77% of total loans, at December 31, 2024, a decrease of $466,000 from $44.9 million, or 0.78% of total loans, at September 30, 2024. The decrease in the ACL from September 30, 2024 was largely attributable to a reduction in reserves for individually evaluated loans, resulting from the charge-offs noted above. Capital • For the quarter ended December 31, 2024, book value per share decreased $0.11, or 0.9%, to $11.53 while tangible book value per share decreased $0.10, or 1.0%, to $9.75. These decreases were driven by a $7.4 million larger accumulated other comprehensive loss due primarily to a decrease in the fair value of the Company's available for sale securities, partially offset by an increase in the fair value of the Company's derivatives portfolio. • At December 31, 2024, total stockholders' equity included after-tax net unrealized losses on securities available for sale of $89.8 million, partially offset by after-tax unrealized gains on derivatives of $17.4 million. After-tax net unrecognized losses on securities held to maturity of $11.3 million were not reflected in total stockholders' equity. • At December 31, 2024, the Company's tangible equity to tangible assets ratio equaled 8.27% and the regulatory capital ratios of both the Company and the Bank were in excess of the levels required by federal banking regulators to be classified as “well-capitalized” under regulatory guidelines. This earnings release should be read in conjunction with Kearny Financial Corp.'s Q2 2025 Investor Presentation, a copy of which is available through the Investor Relations link located at the bottom of the page of our website at www.kearnybank.com and via a Current Report on Form 8-K on the website of the Securities and Exchange Commission at www.sec.gov. Statements contained in this news release that are not historical facts are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, factors discussed in documents filed by the Company with the Securities and Exchange Commission from time to time. The Company does not undertake and specifically disclaims any obligation to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company Category: Earnings Linked-Quarter Comparative Financial Analysis Kearny Financial Corp. Consolidated Balance Sheets (Unaudited) (Dollars and Shares in Thousands, Except Per Share Data) December 31, September 30, Variance or Change Variance or Change Pct. Assets Cash and cash equivalents Securities available for sale Securities held to maturity Loans held-for-sale Loans receivable Less: allowance for credit losses on loans Net loans receivable Premises and equipment Federal Home Loan Bank stock Accrued interest receivable Goodwill — — Core deposit intangible Bank owned life insurance Deferred income taxes, net Other assets Total assets Liabilities Deposits: Non-interest-bearing Interest-bearing Total deposits Borrowings Advance payments by borrowers for taxes Other liabilities Total liabilities Stockholders' Equity Common stock — — Paid-in capital Retained earnings Unearned ESOP shares Accumulated other comprehensive loss Total stockholders' equity Total liabilities and stockholders' equity Consolidated capital ratios Equity to assets Tangible equity to tangible assets Share data Outstanding shares — — Book value per share Tangible book value per share _________________________ Tangible equity equals total stockholders' equity reduced by goodwill and core deposit intangible assets. Tangible assets equals total assets reduced by goodwill and core deposit intangible assets. Tangible book value equals total stockholders' equity reduced by goodwill and core deposit intangible assets. Kearny Financial Corp. Consolidated Statements of Income (Unaudited) (Dollars and Shares in Thousands, Except Per Share Data) Three Months Ended Variance or Change Variance or Change Pct. December 31, September 30, Interest income Loans Taxable investment securities Tax-exempt investment securities Other interest-earning assets Total interest income Interest expense Deposits Borrowings Total interest expense Net interest income Provision for credit losses Net interest income after provision for credit losses Non-interest income Fees and service charges Gain on sale of loans Income from bank owned life insurance Electronic banking fees and charges Other income Total non-interest income Non-interest expense Salaries and employee benefits Net occupancy expense of premises Equipment and systems Advertising and marketing Federal deposit insurance premium Directors' compensation — — Other expense Total non-interest expense Income before income taxes Income taxes Net income Net income per common share (EPS) Basic Diluted — Dividends declared Cash dividends declared per common share — Cash dividends declared Dividend payout ratio Weighted average number of common shares outstanding Basic Diluted Kearny Financial Corp. Average Balance Sheet Data (Unaudited) (Dollars in Thousands) Three Months Ended Variance or Change Variance or Change Pct. December 31, September 30, Assets Interest-earning assets: Loans receivable, including loans held for sale — Taxable investment securities Tax-exempt investment securities Other interest-earning assets Total interest-earning assets Non-interest-earning assets Total assets Liabilities and Stockholders' Equity Interest-bearing liabilities: Deposits: Interest-bearing demand Savings Certificates of deposit (retail) Certificates of deposit (brokered and listing service) Total interest-bearing deposits Borrowings: Federal Home Loan Bank advances Other borrowings Total borrowings Total interest-bearing liabilities Non-interest-bearing liabilities: Non-interest-bearing deposits Other non-interest-bearing liabilities Total non-interest-bearing liabilities Total liabilities Stockholders' equity Total liabilities and stockholders' equity Average interest-earning assets to average interest-bearing liabilities Kearny Financial Corp. Performance Ratio Highlights (Unaudited) Three Months Ended Variance or Change December 31, September 30, Average yield on interest-earning assets: Loans receivable, including loans held for sale Taxable investment securities Tax-exempt investment securities Other interest-earning assets Total interest-earning assets Average cost of interest-bearing liabilities: Deposits: Interest-bearing demand Savings Certificates of deposit (retail) Certificates of deposit (brokered and listing service) Total interest-bearing deposits Borrowings: Federal Home Loan Bank advances Other borrowings Total borrowings Total interest-bearing liabilities Interest rate spread Net interest margin Non-interest income to average assets (annualized) Non-interest expense to average assets (annualized) — Efficiency ratio Return on average assets (annualized) Return on average equity (annualized) Return on average tangible equity (annualized) _________________________ The yield on tax-exempt investment securities has not been adjusted to reflect their tax-effective yield. Interest income divided by average interest-earning assets less interest expense divided by average interest-bearing liabilities. Net interest income divided by average interest-earning assets. Non-interest expense divided by the sum of net interest income and non-interest income. Average tangible equity equals total average stockholders' equity reduced by average goodwill and average core deposit intangible assets. Five-Quarter Financial Trend Analysis Kearny Financial Corp. Consolidated Balance Sheets (Dollars and Shares in Thousands, Except Per Share Data) December 31, September 30, June 30, March 31, December 31, (Unaudited) (Unaudited) (Unaudited) (Unaudited) Assets Cash and cash equivalents Securities available for sale Securities held to maturity Loans held-for-sale Loans receivable Less: allowance for credit losses on loans Net loans receivable Premises and equipment Federal Home Loan Bank stock Accrued interest receivable Goodwill Core deposit intangible Bank owned life insurance Deferred income taxes, net Other real estate owned — — — — Other assets Total assets Liabilities Deposits: Non-interest-bearing Interest-bearing Total deposits Borrowings Advance payments by borrowers for taxes Other liabilities Total liabilities Stockholders' Equity Common stock Paid-in capital Retained earnings Unearned ESOP shares Accumulated other comprehensive loss Total stockholders' equity Total liabilities and stockholders' equity Consolidated capital ratios Equity to assets Tangible equity to tangible assets Share data Outstanding shares Book value per share Tangible book value per share _________________________ Tangible equity equals total stockholders' equity reduced by goodwill and core deposit intangible assets. Tangible assets equals total assets reduced by goodwill and core deposit intangible assets. Tangible book value equals total stockholders' equity reduced by goodwill and core deposit intangible assets. Kearny Financial Corp. Supplemental Balance Sheet Highlights (Unaudited) (Dollars in Thousands) December 31, September 30, June 30, March 31, December 31, Loan portfolio composition: Commercial loans: Multi-family mortgage Nonresidential mortgage Commercial business Construction Total commercial loans One- to four-family residential mortgage Consumer loans: Home equity loans Other consumer Total consumer loans Total loans, excluding yield adjustments Unaccreted yield adjustments Loans receivable, net of yield adjustments Less: allowance for credit losses on loans Net loans receivable Asset quality: Nonperforming assets: Accruing loans - 90 days and over past due — — — — — Nonaccrual loans Total nonperforming loans Nonaccrual loans held-for-sale — — — — Other real estate owned — — — — Total nonperforming assets Nonperforming loans (% total loans) Nonperforming assets (% total assets) Classified loans Allowance for credit losses on loans (ACL): ACL to total loans ACL to nonperforming loans Net charge-offs Average net charge-off rate (annualized) Kearny Financial Corp. Supplemental Balance Sheet Highlights (Unaudited) (Dollars in Thousands) December 31, September 30, June 30, March 31, December 31, Funding composition: Deposits: Non-interest-bearing deposits Interest-bearing demand Savings Certificates of deposit (retail) Certificates of deposit (brokered and listing service) Interest-bearing deposits Total deposits Borrowings: Federal Home Loan Bank advances Overnight borrowings Total borrowings Total funding Loans as a % of deposits Deposits as a % of total funding Borrowings as a % of total funding Uninsured deposits: Uninsured deposits (reported) Uninsured deposits (adjusted) _________________________ Uninsured deposits of Kearny Bank. Uninsured deposits of Kearny Bank adjusted to exclude deposits of its wholly-owned subsidiary and holding company and collateralized deposits of state and local governments. Kearny Financial Corp. Consolidated Statements of Income (Loss) (Unaudited) Three Months Ended (Dollars and Shares in Thousands, Except Per Share Data) December 31, September 30, June 30, March 31, December 31, Interest income Loans Taxable investment securities Tax-exempt investment securities Other interest-earning assets Total interest income Interest expense Deposits Borrowings Total interest expense Net interest income Provision for credit losses Net interest income after provision for credit losses Non-interest income Fees and service charges Loss on sale and call of securities — — — — Gain (loss) on sale of loans Loss on sale of other real estate owned — — — — Income from bank owned life insurance Electronic banking fees and charges Other income Total non-interest income Non-interest expense Salaries and employee benefits Net occupancy expense of premises Equipment and systems Advertising and marketing Federal deposit insurance premium Directors' compensation Goodwill impairment — — — — Other expense Total non-interest expense Income (loss) before income taxes Income taxes Net income (loss) Net income (loss) per common share (EPS) Basic Diluted Dividends declared Cash dividends declared per common share Cash dividends declared Dividend payout ratio Weighted average number of common shares outstanding Basic Diluted Kearny Financial Corp. Average Balance Sheet Data (Unaudited) Three Months Ended (Dollars in Thousands) December 31, September 30, June 30, March 31, December 31, Assets Interest-earning assets: Loans receivable, including loans held-for-sale Taxable investment securities Tax-exempt investment securities Other interest-earning assets Total interest-earning assets Non-interest-earning assets Total assets Liabilities and Stockholders' Equity Interest-bearing liabilities: Deposits: Interest-bearing demand Savings Certificates of deposit (retail) Certificates of deposit (brokered and listing service) Total interest-bearing deposits Borrowings: Federal Home Loan Bank advances Other borrowings Total borrowings Total interest-bearing liabilities Non-interest-bearing liabilities: Non-interest-bearing deposits Other non-interest-bearing liabilities Total non-interest-bearing liabilities Total liabilities Stockholders' equity Total liabilities and stockholders' equity Average interest-earning assets to average interest-bearing liabilities Kearny Financial Corp. Performance Ratio Highlights Three Months Ended December 31, September 30, June 30, March 31, December 31, Average yield on interest-earning assets: Loans receivable, including loans held-for-sale Taxable investment securities Tax-exempt investment securities Other interest-earning assets Total interest-earning assets Average cost of interest-bearing liabilities: Deposits: Interest-bearing demand Savings Certificates of deposit (retail) Certificates of deposit (brokered and listing service) Total interest-bearing deposits Borrowings: Federal Home Loan Bank advances Other borrowings Total borrowings Total interest-bearing liabilities Interest rate spread Net interest margin Non-interest income to average assets (annualized) Non-interest expense to average assets (annualized) Efficiency ratio Return on average assets (annualized) Return on average equity (annualized) Return on average tangible equity (annualized) _________________________ The yield on tax-exempt investment securities has not been adjusted to reflect their tax-effective yield. Interest income divided by average interest-earning assets less interest expense divided by average interest-bearing liabilities. Net interest income divided by average interest-earning assets. Non-interest expense divided by the sum of net interest income and non-interest income. Average tangible equity equals total average stockholders' equity reduced by average goodwill and average core deposit intangible assets. The following tables provide a reconciliation of certain financial measures calculated in accordance with Generally Accepted Accounting Principles (“GAAP”) (as reported) and non-GAAP measures. These non-GAAP measures provide additional information which allow readers to evaluate the ongoing performance of the Company. They are not a substitute for GAAP measures; they should be read and used in conjunction with the Company's GAAP financial information. In all cases, it should be understood that non-GAAP per share measures do not depict amounts that accrue directly to the benefit of shareholders. Kearny Financial Corp. Reconciliation of GAAP to Non-GAAP (Unaudited) Three Months Ended (Dollars and Shares in Thousands, Except Per Share Data) December 31, September 30, June 30, March 31, December 31, Adjusted net income: Net income (loss) (GAAP) Non-recurring transactions - net of tax: Net effect of sale and call of securities — — — — Net effect of bank-owned life insurance restructure — — — Goodwill impairment — — — — Adjusted net income Calculation of pre-tax, pre-provision net revenue: Net income (loss) (GAAP) Adjustments to net income (GAAP): Provision for income taxes Provision for credit losses Pre-tax, pre-provision net revenue (non-GAAP) Adjusted earnings per share: Weighted average common shares - basic Weighted average common shares - diluted Earnings per share - basic (GAAP) Earnings per share - diluted (GAAP) Adjusted earnings per share - basic (non-GAAP) Adjusted earnings per share - diluted (non-GAAP) Pre-tax, pre-provision net revenue per share: Pre-tax, pre-provision net revenue per share - basic (non-GAAP) Pre-tax, pre-provision net revenue per share - diluted (non-GAAP) Adjusted return on average assets: Total average assets Return on average assets (GAAP) Adjusted return on average assets (non-GAAP) Adjusted return on average equity: Total average equity Return on average equity (GAAP) Adjusted return on average equity (non-GAAP) Kearny Financial Corp. Reconciliation of GAAP to Non-GAAP (Unaudited) Three Months Ended (Dollars and Shares in Thousands, Except Per Share Data) December 31, September 30, June 30, March 31, December 31, Adjusted return on average tangible equity: Total average equity Less: average goodwill Less: average other intangible assets Total average tangible equity Return on average tangible equity (non-GAAP) Adjusted return on average tangible equity (non-GAAP) Adjusted non-interest expense ratio: Non-interest expense (GAAP) Non-recurring transactions: Goodwill impairment — — — — Non-interest expense (non-GAAP) Non-interest expense ratio (GAAP) Adjusted non-interest expense ratio (non-GAAP) Adjusted efficiency ratio: Non-interest expense (non-GAAP) Net interest income (GAAP) Total non-interest income (GAAP) Non-recurring transactions: Net effect of sale and call of securities — — — — Net effect of bank-owned life insurance restructure — — — Total revenue (non-GAAP) Efficiency ratio (GAAP) Adjusted efficiency ratio (non-GAAP) JANUARY 30, 2025 I N V E S T O R P R E S E N T A T I O N S E C O N D Q U A R T E R F I S C A L 2 0 2 5 Exhibit 99.2 Forward Looking Statements & Financial Measures 2 This presentation may include certain “forward-looking statements,” which are made in good faith by Kearny Financial Corp. (the “Company”) pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties, such as statements of the Company's plans, objectives, expectations, estimates and intentions that are subject to change based on various important factors (some of which are beyond the Company's control). In addition to the factors described under Item 1A. Risk Factors in the Company's Annual Report on Form 10-K, and subsequent filings with the Securities and Exchange Commission, the following factors, among others, could cause the Company's financial performance to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements: • the strength of the United States economy in general and the strength of the local economy in which the Company conducts operations, • the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System, inflation, interest rates, market and monetary fluctuations, • the impact of changes in laws, regulations and government policies regarding financial institutions (including laws concerning taxation, banking, securities and insurance), • changes in accounting policies and practices, as may be adopted by regulatory agencies, the Financial Accounting Standards Board (“FASB”) or the Public Company Accounting Oversight Board, • technological changes, • competition among financial services providers, and • the success of the Company at managing the risks involved in the foregoing and managing its business. The Company cautions that the foregoing list of important factors is not exhaustive. Readers should not place any undue reliance on any forward looking statements, which speak only as of the date made. The Company does not undertake any obligation to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company. This presentation contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Management uses these “non-GAAP” measures in its analysis of the Company's performance. Management believes these non-GAAP financial measures allow for better comparability of period to period operating performance. Additionally, the Company believes this information is utilized by regulators and market analysts to evaluate a company's financial condition and therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation of the non-GAAP measures used in this presentation to the most directly comparable GAAP measures is provided in the Appendix to this presentation. Kearny Financial Corp. Company Overview NASDAQ: KRNY Founded: 1884 Assets: $7.7 billion Loans $5.8 billion Deposits $5.7 billion TBV Per Share: $9.75 Market Cap: $457.2 million1 1 As of June 30, 2024 2 As of June 30, 2024 Source: S&P Global Market Intelligence & Company Filings 3 Branch/Office Footprint Company Profile Top 10 New Jersey-based financial institution by assets & deposits 43 full-service branches in 12 counties throughout New Jersey and New York City Active acquirer, having completed 7 whole-bank acquisitions since 1999 Focus is on helping our clients achieve their financial goals for today and aspirations for tomorrow – creating communities that thrive Source: Company Filings 1 As of December 31, 2024. 3 4 Founded Kearny, NJ 1884 Obtained Federal Charter 1941 South Bergen Savings Bank Acquired 1999 Pulaski Bancorp Acquired 2003 West Essex Bank Acquired 2004 Completed First-Step Mutual Conversion & IPO of $218.2M 2005 Central Jersey Bancorp Acquired 2011 Atlas Bank Acquired 2014 Formed the KearnyBank foundation funded with $10M 2015 Completed Second-Step Conversion and $717.5M Stock Offering 2015 Converted to NJ State - Chartered Savings Bank 2017 Clifton Bancorp Acquired 2018 MSB Financial Corp. Acquired 2020 Introduced Private Client Services 2021 Established Kearny Investment Services 2022 141 Years: Franchise Milestones “Serving our Communities and Clients” 4 2Q25 Financial Highlights 1 GAAP to Adjusted reconciliation on page 19. 2 Excludes Yield Adjustments. Source: Company Filings. 5 Net Income GAAP Adjusted1 $6.6 million $6.6 million Basic/Diluted EPS GAAP Adjusted1 $0.11/$0.10 $0.11/$0.10 Net Interest Income CET-1 Ratio $32.6 million 14.59% Total Assets $7.7 billion Total Deposits Total Loans2 $5.7 billion $5.8 billion ASSET QUALITY Strong asset quality as non-performing assets improved to 0.49% of total assets compared to 0.51% in the quarter ended September 30, 2024. Net charge-offs totaled $573,000, or 0.04% of average loans, on an annualized basis, for the quarter ended December 31, 2024, which remains relatively low compared to our peers. EARNINGS Reported net income of $6.6 million for the quarter ended December 31, 2024, compared to $6.1 million for the quarter ended September 30, 2024. Earnings per basic and diluted share were $0.11 and $0.10, respectively, for the quarter ended December 31, 2024. For the quarter ending December 31, 2024, the net interest margin increased by two basis points to 1.82%, demonstrating sequential monthly growth throughout the period. BALANCE SHEET Total assets were $7.7 billion at December 31, 2024, a decrease of $41.0 million, or 0.5%, from September 30, 2024 primarily due to decrease in investment securities of $57.5 million. Deposits of $5.7 billion increased $200.5 million, driven by strong momentum across all deposit types. The increase in deposits has improved the Loan to Deposit ratio from 105.9% at September 30, 2024 to 101.4%, at December 31, 2024. Borrowings of $1.26 billion decreased $220.9 million, as result of deposit growth mentioned above. CAPITAL Capital ratios continue to remain well above regulatory minimums and peer comparisons with Common Equity Tier 1 Capital ratio of 14.59%, as of December 31, 2024. Capital Strength Equity Capitalization Level 1 Kearny Financial Corp. (NASDAQ: KRNY) Regulatory Capital Ratios as of December 31, 2024 are preliminary. 2 Equity to Asset ratio, for June 30, 2024 going forward, was impacted by previously disclosed goodwill impairment. Source: Company Filings. 6 Regulatory Capital Ratios1,2 8.26% 8.34% 8.43% 8.31% 8.27% 10.74% 10.83% 9.81% 9.67% 9.63% 2Q24 3Q24 4Q24 1Q25 2Q25 Tangible Common Equity / Tangible Assets Equity / Assets 2 9.22% 14.59% 14.59% 15.43% 5.00% 6.50% 8.00% 10.00% Tier 1 Leverage Common Equity Tier 1 Tier 1 Risk-Based Capital Total Risk-Based Capital KRNY Well Capitalized Regulatory Minimum Track Record of Strong Credit Performance 1 Data provided by Federal Reserve Bank of St. Louis. Source: Company Filings. 7 From 2006 to 2024, inclusive of the Global Financial Crisis and the COVID-19 Pandemic, KRNY's net charge-offs to average total loans totaled 9 bps per year compared to 48 bps for all commercial banks (US Banks not among the top 100)1. Net Charge-offs to Average Total Loans 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2Q25 Commercial Banks (not among top 100) KRNY Global Financial Crisis Hurricane Sandy COVID-19 PandemicCumulative charge-offs for KRNY between 2006 and 2Q25 were minimal, totaling $39.3 million. Diversified Loan Portfolio Loan Composition1 Geographic Distribution1 Loan Trend 1 As of December 31, 2024. Source: S&P Global Market Intelligence & Company Filings. 8 ($ millions) 1-4 Family 30.4% Home Equity 0.8% Multi-family 46.9% CRE 16.4% Construction 3.1% C&I 2.3%QTD Yield on Loans 4.54% New York 33.0% New Jersey 55.8% Pennsylvania 6.2% Other 5.0% LTV 60.9% $1,746 $1,742 $1,756 $1,768 $1,765 $2,651 $2,645 $2,646 $2,646 $2,723 $947 $966 $948 $951 $950 $5,757 $5,775 $5,749 $5,786 $5,800 2Q24 3Q24 4Q24 1Q25 2Q25 1-4 Family Home Equity Multi-family CRE Construction C&I Multifamily Loan Portfolio Multifamily Loan Portfolio Composition1 New York City (“NYC”) Multifamily1 Source: Company Filings 1 As of December 31, 2024. 9 Outstanding asset quality over multiple credit cycles Less than half of our Multifamily portfolio is collateralized by properties in NYC Only 5.4% of our Multifamily portfolio is collateralized by majority or fully rent-regulated NYC properties Approx. 11% of maturing or repricing NYC Multifamily loans in calendar 2025 65% of the Company's NYC Multifamily portfolio is located in Brooklyn, NY Observations Majority NYC Free Market 39.5% Outside NYC 55.1% Fully NYC Rent Regulated 2.0% Majority NYC Rent Regulated 3.4% Total MF $2.7B NYC Multifamily Portfolio: $1.2 billion Average Loan Balance: $3.46 million Weighted Average LTV: 61.8% Nonperforming Loans / Total MF Loans: 0.93% Calendar Year 2025 Maturity & Repricing: $139.3 million Loan Value % Brooklyn $814 65.1% Queens 160 12.8% Manhattan 141 11.3% Bronx 135 10.8% Total NYC MF Loan Portfolio $1,250 100.0% $ in millions NYC Multifamily Loan Portfolio by Location CRE Loan Detail Source: Company Filings. 1 As of December 31, 2024. 10 CRE Portfolio by Collateral Type1 CRE Loan Geographic Distribution1 New Jersey 56.7% Brooklyn 9.0% New York (Ex. Brooklyn) 24.9% Pennsylvania 4.8% Other 4.6% Retail 31.1% Mixed Use 27.3% Office 11.1% Industrial 19.5% Specialty & Other 6.7% Medical 4.3% Total CRE $950M LTV 50.6% Office Portfolio 1 As of December 31, 2024. Source: Company Filings. 11 Office Portfolio by Contractual Maturity1 Office Portfolio Profile 11.1% of total CRE portfolio or $106 million Average loan size of $1.6 million ($ millions) Office Loan Geographic Distribution1 Manhattan 21.7% New York (Excl. Manhattan) 6.1% New Jersey 69.2% Other 2.9% LTV 47.7% DSCR 1.9x Total Office $106M $4 $9 $35 $17 $9 $32 2025 2026 2027 2028 2029 2030+ Asset Quality Metrics Non-Performing Assets / Total Assets Allowance for Credit Losses 1 As of December 30, 2024; amounts shown in millions. Source: Company Filings. 12 Net Charge-Offs / Average Loans Increase driven by a single commercial real estate relationship Increase driven by a single C&I relationship 0.29% 0.02% 0.25% 0.01% 0.04% 2Q24 3Q24 4Q24 1Q25 2Q25 0.63% 0.50% 0.52% 0.51% 0.49% 2Q24 3Q24 4Q24 1Q25 2Q25 $44.7 $44.7 $44.1 $44.2 $44.3 $0.2 $0.2 $0.9 $0.8 $0.2 0.78% 0.78% 0.78% 0.78% 0.77% 2Q24 3Q24 4Q24 1Q25 2Q25 ACL Balance - Collectively Evaluated ACL Balance - Individually Analyzed ACL to Total Loans Receivable Non-Performing Loans1 $ in millions Multi-family $25.3 CRE $6.5 C&I $0.5 1-4 Family $5.3 NPL's $37.7M $1,284 $1,235 $1,199 $1,216 $1,195 $457 $408 $408 $733 $752 $646 $630 $643 $682 $742 $2,347 $2,349 $2,310 $2,248 $2,380 $584 $586 $598 $592 $602 $5,320 $5,209 $5,158 $5,471 $5,671 2Q24 3Q24 4Q24 1Q25 2Q25 Retail CDs Wholesale CDs Savings Interest Bearing DDA Non-interest Bearing DDA Granular Deposit Franchise 1 As of December 31, 2024. Source: Company Filings. 13 Deposit Trend Non-Maturity Deposit Mix1 ($ millions) 21.1% 13.2% 13.1% 42.0% 10.6% Deposit Composition Consumer 64.5% Commercial 20.7% Government 14.8% Retail Deposit Detail 1 As of December 31, 2024. 2 Excludes brokered, listing services and state & local government deposits. Source: Company Filings. 14 Retail Time Deposit Maturities Retail Deposit Segmentation1,2 ($ millions) Over the next 12 months, $1.1 billion of Retail CDs will mature and rollover at lower rates, further expanding net interest margin. $402 $318 $181 $162 $132 4.26% 3.93% 4.01% 3.66% 2.94% 1Q25 2Q25 3Q25 4Q25 1Q26 & Beyond Maturities Weighted Avg Yield Product # of Accounts Balance ($ millions) Average Balance per Account Checking 52,784 $ 2,431 $ 46,063 Savings 30,802 741 24,070 CDs 24,346 1,192 48,948 Total Retail Deposits 107,932 $ 4,364 $ 40,437 Liquidity Available for Uninsured Deposits Estimated Uninsured Deposits Analysis1,2 1 Estimated amount of uninsured deposits reported in December 31, 2024 Call Report. 2 As of December 31, 2024. 15 Available liquidity is 2.9x greater than estimated uninsured deposits (excluding items above) Total available capacity increased by $256 million from September 30, 2024 and represents 30% of total assets. Liquidity Capacity2 1 Estimated Uninsured Deposit Analysis ($ millions) Estimated Uninsured Deposits 1,936$ Less: Collateralized State & Local Government Deposits (539) Less: Bank's wholly-owned subsidiary & Holding Company Deposits (599) Estimated uninsured deposits excluding items above: 798$ Total Deposits 5,671$ Estimated uninsured deposits, excluding items above, as a % of Total Deposits 14.1% Sources of Liquidity ($ millions) Liquidity Capacity Funding Utilized Available Capacity Internal Sources: Free Securities and other 96$ -$ 96$ External Sources: FRB 1,605 - 1,605 FHLB 1,885 1,270 615 Total Liquidity 3,586$ 1,270$ 2,316$ Investment Securities 1 As of December 31, 2024. 2 Comprised entirely of securitized federal education loans with 97% U.S. government guarantees. 3 Assumes 29% marginal tax rate. Source: Company Filings. 16 Securities Composition1 Securities Average Balance & Yield Trend At December 31, 2024, the after-tax net unrecognized loss on securities held-to-maturity was $11.3 million, or 1.79% of tangible equity3 AFS/HTM & Effective Duration Corporate Bonds 12.0% CLO 29.1% ABS Student Loans 6.3% Agency MBS 51.8% Municipal Bonds 0.8% ($ millions) 2 $1,524 $1,397 $1,357 $1,327 $1,296 4.42% 4.46% 4.39% 4.36% 4.28% 2Q24 3Q24 4Q24 1Q25 2Q25 Securities Portfolio Yield on Investments AFS 88.9% HTM 11.1% Total Effective Duration ≈ 3.4 years Floating rate securities ≈ 34.4% Best-in-Class Operating Efficiency 1 Adjusted for non-routine transactions. GAAP to Adjusted reconciliation on page 19 Source: S&P Global Market Intelligence & Company Filings. 17 Adjusted Non-interest Expense to Average Assets1 Deposits per Branch 1.76% 1.73% 1.61% 1.55% 1.62% 1.69% 1.51% 1.50% 1.55% 2017 2018 2019 2020 2021 2022 2023 2024 2Q25 $68 $74 $75 $96 $114 $130 $131 $120 $132 1 21 41 61 81 101 121 2017 2018 2019 2020 2021 2022 2023 2024 2Q25 1.9x ($ millions) 18 Conservative Underwriting Culture Comprehensive CRE / Multifamily Underwriting Highly disciplined LTV and DSCR standards Interest rates stressed at origination DSCR based on in-place rents, not projections, with conservative allowances for vacancy NOI underwritten to include forecasted expense increases and full taxes (where a tax abatement exists) Approval Authority & Underwriting Consistency Lending authority aggregated by borrower/group of related borrowers Technology ensures consistent and efficient underwriting and risk rating process Multi-faceted Loan Review & Stress Testing Semi-annual third-party loan-level stress testing and annual capital-based stress testing Quarterly third-party portfolio loan review with 65% of total portfolio reviewed on an annual basis Annual internal loan reviews on all commercial loans with balances of $2.5 million or greater Proactive Workout Process Dedicated team of portfolio managers and loan workout specialists Weekly meetings comprised of loan officers, credit personnel and special assets group to pre-emptively address delinquencies or problem credits Philosophy of aggressively addressing impaired assets in a timely fashion Senior Credit Officer Approval Management Loan Committee Approval Board Loan Committee Approval Non-GAAP Reconciliation 19 Reconciliation of GAAP to Non-GAAP For the quarter ended For the quarter ended For the quarter ended For the quarter ended For the quarter ended (Dollars and Shares in Thousands, Except Per Share Data) December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 Adjusted net income: Net income (loss) (GAAP) $6,566 $6,092 ($90,079) $7,397 ($13,827) Non-recurring transactions - net of tax: Net effect of sale and call of securities - - - - 12,876 Net effect of bank-owned life insurance restructure - - 392 - 6,286 Goodwill impairment - - 95,283 - - Adjusted net income $6,566 $6,092 $5,596 $7,397 $5,335 Calculation of pre-tax, pre-provision net revenue: Net income (loss) (GAAP) $6,566 $6,092 ($90,079) $7,397 ($13,827) Adjustments to net income (GAAP): Provision for income taxes $1,251 $1,086 ($917) $1,717 $1,782 Provision for (reversal of) credit losses $107 $108 $3,527 $349 $2,105 Pre-tax, pre-provision net revenue (non-GAAP) $7,924 $7,286 ($87,469) $9,463 ($9,940) Adjusted earnings per share: Weighted average common shares - basic 62,443 62,389 62,254 62,205 62,299 Weighted average common shares - diluted 62,576 62,420 62,330 62,211 62,367 Earnings per share - basic (GAAP) $0.11 $0.10 ($1.45) $0.12 ($0.22) Earnings per share - diluted (GAAP) $0.10 $0.10 ($1.45) $0.12 ($0.22) Adjusted earnings per share - basic (non-GAAP) $0.11 $0.10 $0.09 $0.12 $0.09 Adjusted earnings per share - diluted (non-GAAP) $0.10 $0.10 $0.09 $0.12 $0.09 Pre-tax, pre-provision net revenue per share: Pre-tax, pre-provision net revenue per share - basic (non-GAAP) $0.13 $0.12 ($1.41) $0.15 ($0.16) Pre-tax, pre-provision net revenue per share - diluted (non-GAAP) $0.13 $0.12 ($1.41) $0.15 ($0.16) Adjusted return on average assets: Total average assets $7,633,900 $7,688,433 $7,695,080 $7,851,721 $7,944,586 Return on average assets (GAAP) 0.34% 0.32% -4.68% 0.38% -0.70% Adjusted return on average assets (non-GAAP) 0.34% 0.32% 0.29% 0.38% 0.27% Adjusted return on average equity: Total average equity $747,850 $750,678 $751,070 $844,782 $838,714 Return on average equity (GAAP) 3.51% 3.25% -47.97% 3.50% -6.59% Adjusted return on average equity (non-GAAP) 3.51% 3.25% 2.98% 3.50% 2.54% v3.24.4 Cover Jan. 30, 2025 Cover [Abstract] Document Type 8-K Document Period End Date Jan. 30, 2025 Entity Incorporation, State or Country Code MD Entity File Number Entity Tax Identification Number Entity Address, Address Line One 120 Passaic Avenue Entity Address, City or Town Fairfield Entity Address, State or Province NJ Entity Address, Postal Zip Code City Area Code Local Phone Number Written Communications false Soliciting Material false Pre-commencement Tender Offer false Pre-commencement Issuer Tender Offer false Title of 12(g) Security Common Stock, $0.01 par value Trading Symbol KRNY Security Exchange Name NASDAQ Entity Emerging Growth Company false Amendment Flag false Entity Central Index Key Entity Registrant Name KEARNY FINANCIAL CORP. 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  Publisher Name	Advanced Financial Network
  Publisher URL	https://www.advfn.com
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  Trust Flow Score	61
  Citation Flow Score	45

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  Data Source URL	https://app.aylien.com/dashboard
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