NASDAQ$KRNY

Kearny Financial Corp · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Reported net income of $16.5 million, or $0.25 per diluted share, for the quarter ended September 30, 2022.

Kearny Financial Corp. reported a net income of $16.5 million, or $0.25 per diluted share, for the quarter ended September 30, 2022. The company's total assets increased to $7.89 billion, with growth in loans and deposits. The Board of Directors declared a quarterly cash dividend of $0.11 per share.

  • Net income for the quarter ended September 30, 2022 was $16.5 million, or $0.25 per diluted share.
  • Total assets increased to $7.89 billion at September 30, 2022.
  • Loans receivable increased to $5.66 billion at September 30, 2022.
  • The Board of Directors declared a quarterly cash dividend of $0.11 per share.

Headline financials

Total Revenue

$54.4M

Previous: $53.4M+2.0%
EPS (adj)

$0.25

Previous: $0.28-10.7%
Efficiency Ratio

58.8%

Previous: 59.6%-1.4%
ROA (annualized)

0.8%

Previous: 1.1%-22.0%
Net Interest Margin

2.7%

Previous: 3.0%-10.0%
ROE (annualized)

7.4%

Previous: 7.7%-3.7%
Tangible Equity Ratio

8.6%

Previous: 11.5%-25.0%
Capital Expenditures

-$885K

Previous: -$400K-121.2%
Free Cash Flow

$15.7M

Previous: $19.3M-19.0%
Net Income

$16.5M

Previous: $19.7M-16.1%
Operating Income

$33M

Previous: $39.4M-16.1%
Gross Profit

$53.8M

Previous: $53.4M+0.7%
Cash & Equivalents

$96.1M

Previous: $54.1M+77.7%
Total Assets

$7.89B

Previous: $7.18B+9.8%
Stock-Based Comp

$1.36M

Previous: $2.04M-33.2%

Revenue & EPS history

Kearny Financial · Revenue · Quarterly

$54.4M

Q1 2023+2%vs Q1 2022
Beat estimate in 9 of 14 quarters(64%)
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 expects loan growth to moderate and is focusing origination efforts on loan segments with the greatest risk-adjusted returns. They have added $600 million of derivative notional and made targeted adjustments to reduce risk and support future earnings.

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 2023

Historical avgQ1 2023

+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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