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Kearny Financial Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary23 Oct, 2025
Executive summary
Net income for Q1 FY26 was $9.5 million ($0.15/share), up 40% quarter-over-quarter and 56% year-over-year, driven by higher net interest and non-interest income.
Book value per share increased to $11.63, and tangible book value per share rose to $9.86.
Quarterly cash dividend of $0.11/share declared, yielding 6.70%.
Strategic partnership with The Lab Consulting to enhance automation and efficiency; three branch consolidations planned, reducing locations to 40.
Loan portfolio diversified, with construction and C&I loans up 27% and 10% annualized, respectively, while multifamily loans declined.
Financial highlights
Net interest income was $37.7 million, with net interest margin at 2.10%, up 10–30 bps year-over-year and quarter-over-quarter.
Non-interest income rose to $5.8 million, including a $749,000 non-recurring gain on property sale.
Non-interest expense increased to $31.7 million, mainly from higher salaries, occupancy, and technology costs.
CET-1 ratio was 14.59%; total capital ratio 15.50%; tangible equity/tangible assets 8.47%.
Book value per share rose by $0.08 to $11.63; tangible book value per share increased by $0.09 to $9.86.
Outlook and guidance
Management anticipates continued strong capital and liquidity, with focus on higher-yielding commercial credit and automation to drive efficiency and growth.
CRE loan repricing through 2029 could add $49 million in annual interest income, supporting future margin expansion.
No significant off-balance sheet capital expenditure commitments as of September 30, 2025.
Management expects benefits from anticipated reductions in the federal funds rate.
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Next Kearny Financial earnings date
Q2 202629 Jan, 2026
Next Kearny Financial earnings date
Q2 202629 Jan, 2026
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Frequently asked questions
Kearny Financial Corp. is a publicly traded financial holding company that operates primarily through its subsidiary, Kearny Bank. The company provides a range of banking and financial services to individuals, families, and businesses. Its offerings include personal and business checking accounts, savings accounts, money market accounts, and certificates of deposit. Kearny Financial Corp. also offers mortgage loans, commercial real estate loans, and other types of personal and business loans. The company serves its customers through a network of branches located in New Jersey and New York. The company is headquartered in Fairfield, New Jersey, and its shares are listed on the NASDAQ.
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