NASDAQ$KRNY

Kearny Financial Corp · Q1 2021 earnings

Q1 2021 earnings · · Investor relations

Briefing

Net income decreased due to non-recurring items from the MSB Financial Corp acquisition, but core earnings remained strong.

Kearny Financial Corp. reported a net income of $11.4 million, or $0.13 per diluted share, for the first quarter ended September 30, 2020. Excluding non-recurring items, net income would have been $15.0 million, or $0.17 per diluted share.

  • Net income for the quarter ended September 30, 2020 was $11.4 million, or $0.13 per diluted share.
  • Core earnings remain strong.
  • COVID-19 related loan modifications have declined to $76.9 million, or 1.5% of total loans.
  • Acquisition of MSB Financial Corp increased total assets by $581.9 million, net loans by $530.2 million and total deposits by $460.2 million.

Headline financials

Total Revenue

$51.9M

Previous: $40.6M+27.7%
EPS (adj)

$0.17

Previous: $0.14+21.4%
Net Interest Margin

2.7%

No prior period
Tangible Equity Ratio

12.8%

No prior period
ACL to Total Loans

1.3%

No prior period
Capital Expenditures

-$1.37M

Previous: -$977K-39.9%
Free Cash Flow

$10M

Previous: $10.4M-3.7%
Net Income

$11.4M

Previous: $11.4M+0.1%
Operating Income

$25.7M

Previous: $12.6M+103.9%
Gross Profit

$51.9M

Previous: $40.6M+27.7%
Cash & Equivalents

$146M

Previous: $129M+12.8%
Total Assets

$7.31B

Previous: $6.64B+10.1%
Stock-Based Comp

$1.86M

Previous: $2.1M-11.3%

Revenue & EPS history

Kearny Financial · Revenue · Quarterly

$51.9M

Q1 2021+27.7%vs Q1 2020
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Revenue by segment

Kearny Financial · $58.3M total across 4 segments · Q3 2021

  • Loans
    $49.3M
  • Taxable Inv. Securities
    $7.89M
  • Other Int. Assets
    $705K
  • Tax-Exempt Inv. Securities
    $410K

Forward guidance

The company did not provide specific forward guidance in this earnings report. However, they mentioned ongoing initiatives to improve operating efficiency, including branch consolidations.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2021

Historical avgQ1 2021

+0.1%

Avg return

Earnings day

-0.5%

Avg return

5 days after

+0.1%

Avg return

30 days after

55%

35 / 64 earnings

Positive

+11.8%

Q3 2020

Best reaction

-8.4%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q3 2026+2.5%+4.8%+4.1%
Q2 2026-1.8%-0.5%-7.9%
Q1 2026-2.2%-2.2%-0.9%
Q3 2025+4.7%+2.3%-2.6%
Q2 2025-5.5%-4.1%-4.0%
Q1 2025-6.2%-2.2%+14.4%
Q4 2024+0.4%+0.7%-3.5%
Q3 2024-4.8%-10.1%-5.7%
Q2 2024-6.8%-7.2%-21.9%
Q1 2024+3.8%+4.7%+20.2%
Q4 2023+6.8%+2.9%-9.9%
Q3 2023+3.7%-1.3%-4.9%
Q2 2023-8.4%-9.2%-3.6%
Q1 2023-4.3%-11.1%-14.3%
Q4 2022-0.8%+1.4%-0.4%
Q3 2022-2.6%-3.4%+1.8%
Q2 2022-1.1%-0.5%+1.2%
Q1 2022+1.1%+2.1%-2.5%
Q4 2021-0.6%+2.8%+9.4%
Q3 2021+1.5%+3.2%+4.1%
Q2 2021+2.5%+3.1%+12.4%
Q1 2021-1.8%+4.8%+19.5%
Q4 2020+2.9%-3.1%+1.0%
Q3 2020+11.8%+6.6%+3.0%
Q2 2020-5.1%-6.8%-16.2%
Q1 2020+1.7%+2.8%+2.2%
Q4 2019-3.0%-4.7%-8.4%
Q3 2019+3.4%+3.9%-0.2%
Q2 2019-2.8%-0.8%+3.2%
Q1 2019-1.2%-1.6%+1.3%
Q4 2018+7.9%+3.8%+2.3%
Q3 2018+4.9%+4.9%+7.1%
Q2 2018+1.5%-0.7%-4.4%
Q1 2018-2.9%-4.5%-2.6%
Q4 2017-0.7%-1.4%-3.1%
Q3 2017-4.9%-6.2%-8.8%
Q2 2017+5.5%+5.5%+6.2%
Q1 2017+0.0%-1.8%+9.7%
Q4 2016+0.5%+1.9%+5.6%
Q3 2015-2.3%
Q3 2016+0.4%
Q2 2016-3.7%
Q1 2016+0.8%
Q1 2015+0.8%
Q4 2015+0.8%
Q4 2014+0.8%
Q4 2013+0.8%
Q2 2015+0.8%
Q1 2014+0.8%
Q2 2014+0.8%
Q3 2014+0.8%
Q3 2013-1.2%
Q2 2013+3.2%
Q1 2013-0.7%
Q4 2012+0.3%
Q3 2012+2.4%
Q2 2012+1.0%
Q1 2012-3.3%
Q4 2011+0.9%
Q3 2011+1.7%
Q2 2010+1.9%
Q1 2010-0.8%
Q4 2010-1.2%
Q3 2010-0.7%

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