Kearny Financial : Third Quarter 2026 Presentation

Published: 2026-04-23 10:32:42 ET KRNY

Published on 04/23/2026 at 10:32 am EDT

I N V E S T O R P R E S E N T A T I O N

April 23 , 2026

NASDAQ:

KRNY

Founded:

1884

Assets

$7.6 billion

Loans

$5.8 billion

Deposits

$5.7 billion

Capital

$0.8 billion

TBV Per Share:

$10.02

Market Cap:

$488.8 million

Kearny Snapshot1

Branch/Office Footprint

1 Financial information as of March 31, 2026.

Source: S&P Global Market Intelligence & Company Filings. 3

40 branches

across 12 counties

- in NJ and the NY metro area.

Top 10 NJ

Financial Institution -

by Assets & Deposits

Financial Metrics

Quarter Highlights

Reported

Net Income: $10.1 million

Diluted EPS: $0.16

Net Interest Income: $39.2 million

Net Interest Margin: 2.21%

Dividend Yield: 5.83%

CET- 1 Ratio: 14.57%

rose 5.5% to $13.0 million, underscoring continued improvement in core earnings.

1 Non-GAAP Financial Information on page 20.

Source: Company Filings. 4

Net Interest Income & Net Interest Margin

Earnings Metrics1

($ thousands) ($ thousands, except per share data)

2.21%

2.10%

2.14%

2.00%

1.90%

$34,042

$35,843

$37,704

$37,969

$39,236

$0.20

$0.19

$0.16

$0.15

$0.16

$0.13

$0.11

$11,885

$12,349

$13,031

$9,941

$9,506

$8,214

$9,449

$10,137

$6,648

$6,769

$0.21

3Q25 4Q25 1Q26 2Q26 3Q26

Net Interest Income Net Interest Margin

Net income

Earnings per share, diluted

Pre-tax, pre-provision net revenue

Pre-tax, pre-provision earnings per share

1 See Non-GAAP Financial Information on page 20.

Source: Company Filings. 5

Driving sustainable earnings growth through disciplined capital deployment, funding optimization, and operational efficiency

Optimize Branch Footprint

Lower cost structure | Higher capital productivity

Closed 3 underperforming branches lowering fixed costs and reallocating capital to higher-return opportunities.

Grow Low-Cost Core Deposits

Improve funding mix | Lower cost of funds

Added 7 experienced, deposit-focused bankers focused on growth in relationship-based middle-market commercial and specialty deposits.

Enhance Loan Yields

Disciplined growth | Improved asset mix

Advanced loan portfolio diversification by growing commercial business, construction, and home equity loans, while strategically reducing multifamily mortgage exposure.

Lab Consulting Initiative

Operating leverage | Capacity for growth

Developing production-ready RPAs, eliminating manual rework and expanding scalable operating capacity.

Disclaimer

Kearny Financial Corporation published this content on April 23, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 23, 2026 at 14:31 UTC.