NASDAQ$KRNY

Kearny Financial Corp · Q4 2022 earnings

Q4 2022 earnings · · Investor relations

Briefing

Kearny Financial's net income decreased due to an increase in provision for credit losses and recognition of non-recurring expenses.

Kearny Financial Corp. reported a decrease in net income for the quarter ended June 30, 2022, with $11.4 million, or $0.17 per diluted share, compared to the previous quarter's $17.7 million, or $0.25 per diluted share. The decrease was primarily due to a pre-tax increase in provision for credit losses and non-recurring expenses. The Board of Directors declared a quarterly cash dividend of $0.11 per share.

  • Net income for the quarter was $11.4 million, or $0.17 per diluted share.
  • Net interest margin expanded three basis points to 2.92%.
  • Non-interest income decreased $381,000 to $2.8 million.
  • The Board of Directors declared a quarterly cash dividend of $0.11 per share.

Headline financials

Total Revenue

$50.6M

Previous: $48.2M+5.1%
EPS (adj)

$0.18

Previous: $0.24-25.0%
Efficiency Ratio

62.9%

Previous: 60.9%+3.4%
ROA (annualized)

0.6%

Previous: 1.0%-39.6%
ROE (annualized)

4.9%

Previous: 7.0%-29.8%
Return on Tangible Equity

6.4%

Previous: 8.8%-27.4%
Capital Expenditures

$1.06M

Previous: $2.57M-58.7%
Free Cash Flow

$23.1M

Previous: $15.1M+52.6%
Net Income

$11.4M

Previous: $18.5M-38.5%
Operating Income

$15.6M

Previous: $25.5M-39.0%
Gross Profit

$53.4M

Previous: $52.6M+1.6%
Cash & Equivalents

$102M

Previous: $67.9M+49.8%
Total Assets

$7.72B

Previous: $7.28B+6.0%
Stock-Based Comp

$1.28M

Previous: $2.03M-36.9%

Revenue & EPS history

Kearny Financial · Revenue · Quarterly

$50.6M

Q4 2022+5.1%vs Q4 2021
Beat estimate in 10 of 16 quarters(63%)
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

Looking ahead to fiscal 2023, Kearny Financial's most critical initiative is the acceleration of their digital strategy, spearheaded by the adoption of a cloud-based, best-in-breed digital banking platform. Complementing this technology enhancement will be the expansion of their data analytics, artificial intelligence and digital marketing capabilities.

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 Q4 2022

Historical avgQ4 2022

+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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