NASDAQ$KRNY

Kearny Financial Corp · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Net income decreased due to COVID-19 challenges and strategic restructuring.

Kearny Financial Corp. reported a net income of $9.3 million for the quarter ended March 31, 2020, a decrease of $1.4 million compared to the previous quarter. The decrease was attributed to challenges presented by COVID-19 and a wholesale restructuring transaction.

  • Net income for the quarter ended March 31, 2020 was $9.3 million, or $0.11 per basic and diluted share.
  • Deposits increased by $64.4 million to $4.25 billion at March 31, 2020.
  • Loans receivable increased by $69.8 million to $4.56 billion at March 31, 2020.
  • Net interest income increased by $3.0 million to $37.6 million for the quarter ended March 31, 2020.

Headline financials

Total Revenue

$43.8M

Previous: $42.3M+3.5%
EPS (adj)

$0.09

Previous: $0.13-30.8%
Efficiency Ratio

64.1%

No prior period
Net Interest Margin

2.5%

Previous: 2.3%+7.4%
Capital Expenditures

-$6.27M

Previous: -$5.35M-17.3%
Free Cash Flow

$2.98M

Previous: $6.07M-50.9%
Net Income

$9.25M

Previous: $11.4M-18.9%
Operating Income

$15.3M

Previous: $10.4M+47.9%
Gross Profit

$43.8M

Previous: $42.3M+3.5%
Cash & Equivalents

$59.5M

Previous: $54.2M+9.8%
Total Assets

$6.77B

Previous: $6.66B+1.7%
Stock-Based Comp

$2.07M

Previous: $2.23M-7.1%

Revenue & EPS history

Kearny Financial · Revenue · Quarterly

$43.8M

Q3 2020+3.5%vs Q3 2019
Beat estimate in 11 of 16 quarters(69%)
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 to close the merger with MSB Financial Corp. late in the quarter ended June 30, 2020, or early in the quarter ended September 30, 2020, subject to shareholder and regulatory approvals.

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 Q3 2020

Historical avgQ3 2020

+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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