Core Insights - Kearny Financial Corp. has announced a strategic partnership with The Lab Consulting to enhance operational efficiency and client experience while delivering value to shareholders through cost optimization and scalable growth [1][2]. Company Overview - Kearny Financial Corp. operates Kearny Bank with approximately $7.7 billion in total assets as of June 30, 2025, and has 43 retail branch offices in northern and central New Jersey, as well as Brooklyn and Staten Island, New York [6]. Partnership Objectives - The partnership aims to streamline operations, empower teams, and improve returns for stakeholders through a multi-phase innovation methodology tailored for financial institutions [3][4]. - The program is expected to yield operational improvements within the first year, including reduced operating expenses and increased capacity for revenue-generating opportunities [4]. Implementation Strategies - Key strategies include implementing Robotic Process Automation (RPA) and AI-enabled document processing to eliminate manual tasks, integrating processes across departments, and redesigning client-facing processes for better satisfaction [8]. - The Lab Consulting will provide knowledge transfer and best practices to ensure long-term adoption and continuous improvement [8].

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________ FORM 10-K ___________________________________________________ (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended June 30, 2025 Or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to Commission File Number: 001-37399 ...

I N V E S T O R P R E S E N T A T I O N F O U R T H Q U A R T E R F I S C A L 2 0 2 5 July 24, 2025 Forward Looking Statements & Financial Measures This presentation may include certain "forward-looking statements," which are made in good faith by Kearny Financial Corp. (the "Company") pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are subject to risks and uncertainties, such as statements of the Company's plans, objectives, ...

Exhibit 99.1 FOR IMMEDIATE RELEASE July 24, 2025 For further information contact: Keith Suchodolski, Senior Executive Vice President and Chief Operating Officer, or Sean Byrnes, Executive Vice President and Chief Financial Officer Kearny Financial Corp. (973) 244-4500 KEARNY FINANCIAL CORP. ANNOUNCES FOURTH QUARTER AND FISCAL YEAR END 2025 RESULTS AND DECLARATION OF $0.11 PER SHARE CASH DIVIDEND Fairfield, N.J., July 24, 2025 – Kearny Financial Corp. (NASDAQ GS: KRNY) (the "Company"), the holding company of ...

Core Points - Kearny Financial Corp. reported a net income of $6.8 million, or $0.11 per diluted share, for the quarter ended June 30, 2025, showing a slight increase from $6.6 million in the previous quarter [1][2] - For the fiscal year ended June 30, 2025, the company reported a net income of $26.1 million, a significant recovery from a net loss of $86.7 million in the prior year [2] - The Board of Directors declared a quarterly cash dividend of $0.11 per share, payable on August 26, 2025 [3] Financial Performance - The company achieved a 23% growth in pre-tax, pre-provision earnings per share this quarter, attributed to a 10 basis points expansion in net interest margin [4] - Net interest income increased by 5.3% to $35.8 million for the quarter ended June 30, 2025, compared to $34.0 million for the previous quarter [8] - Non-interest income rose by 9.4% to $5.0 million for the quarter ended June 30, 2025, driven by increases in income from bank-owned life insurance and gains on the sale of loans [12] Balance Sheet Highlights - Total assets were $7.74 billion at June 30, 2025, reflecting a 0.1% increase from the previous quarter [8] - Loans receivable totaled $5.81 billion, a decrease of 0.6% from the previous quarter but an increase of 1.4% year-over-year [8] - Deposits were $5.68 billion, a decrease of 0.6% from the previous quarter but an increase of 10.0% from the same period last year [8] Asset Quality - The balance of non-performing assets increased to $45.6 million, or 0.59% of total assets, as of June 30, 2025, up from $37.7 million in the previous quarter [18] - Net charge-offs were less than 0.01% of average loans for the quarter ended June 30, 2025, compared to 0.03% in the previous quarter [18] - The allowance for credit losses was $46.2 million, or 0.79% of total loans, at June 30, 2025, an increase from $44.5 million in the previous quarter [18] Capital and Equity - The company's tangible equity to tangible assets ratio was 8.27% at June 30, 2025, with regulatory capital ratios exceeding the levels required to be classified as "well-capitalized" [18] - Book value per share decreased by 0.3% to $11.55, while tangible book value per share also decreased by 0.3% to $9.77 [18]

x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR Table of Contents o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 __________________________________________ FORM 10-Q __________________________________________ (Mark One) 973-244-4500 __________________________________________ For the transition period fro ...

FOR IMMEDIATE RELEASE April 24, 2025 For further information contact: Keith Suchodolski, Senior Executive Vice President and Chief Operating Officer, or Sean Byrnes, Executive Vice President and Chief Financial Officer Kearny Financial Corp. (973) 244-4500 KEARNY FINANCIAL CORP. ANNOUNCES THIRD QUARTER FISCAL 2025 RESULTS AND DECLARATION OF CASH DIVIDEND Fairfield, N.J., April 24, 2025 – Kearny Financial Corp. (NASDAQ GS: KRNY) (the "Company"), the holding company of Kearny Bank (the "Bank"), reported net i ...

FAIRFIELD, N.J., April 24, 2025 (GLOBE NEWSWIRE) -- Kearny Financial Corp. (NASDAQ GS: KRNY) (the "Company"), the holding company of Kearny Bank (the "Bank"), reported net income for the quarter ended March 31, 2025 of $6.6 million, or $0.11 per diluted share, compared to $6.6 million, or $0.10 per diluted share, for the quarter ended December 31, 2024. The Company also announced that its Board of Directors has declared a quarterly cash dividend of $0.11 per share, payable on May 21, 2025, to stockholders o ...

Financial Position - Total assets increased by $47.9 million to $7.73 billion at December 31, 2024, from $7.68 billion at June 30, 2024[118] - Total deposits increased by $512.9 million, or 9.9%, to $5.67 billion at December 31, 2024, from $5.16 billion at June 30, 2024[130] - Total assets decreased to $7.66 billion as of December 31, 2024, from $7.98 billion a year earlier[1] - Total investment securities available for sale decreased by $54.6 million to $1.02 billion at December 31, 2024[119] - Uninsured deposits totaled $1.96 billion as of December 31, 2024, compared to $1.77 billion as of June 30, 2024[130] Loan and Credit Quality - Net loans receivable rose by $59.5 million, or 1.0%, to $5.75 billion at December 31, 2024, compared to $5.69 billion at June 30, 2024[122] - Nonperforming assets decreased by $2.2 million to $37.7 million, or 0.49% of total assets, at December 31, 2024[125] - The allowance for credit losses totaled $44.5 million, or 0.77% of total loans, at December 31, 2024[127] - Provision for credit losses decreased $2.0 million to $107,000 for the quarter ended December 31, 2024, compared to $2.1 million for the same quarter in 2023[144] - Provision for credit losses decreased by $2.1 million to $215,000 for the six months ended December 31, 2024, driven primarily by loan growth[2] Income and Expenses - Net income for the quarter ended December 31, 2024 was $6.6 million, or $0.10 per diluted share, compared to a net loss of $13.8 million, or $0.22 per diluted share, for the same period in 2023[136] - Net income for the six months ended December 31, 2024 was $12.7 million, or $0.20 per diluted share, compared to a net loss of $4.0 million, or $0.06 per diluted share, for the same period in 2023[154] - Net interest income decreased by $3.2 million to $32.6 million for the quarter ended December 31, 2024, down from $35.8 million in the prior year[137] - Net interest income for the six months ended December 31, 2024 decreased by $9.9 million to $65.1 million compared to $75.0 million for the same period in 2023[155] - Total non-interest income increased $20.9 million to $4.9 million for the quarter ended December 31, 2024, compared to a loss of $16.0 million for the same period in 2023[145] - Total non-interest income increased by $21.5 million to $9.5 million for the six months ended December 31, 2024, compared to a loss of $12.0 million in the prior year[3] - Total non-interest expense decreased $206,000 to $29.6 million for the quarter ending December 31, 2024, compared to $29.8 million in the prior year[149] - Income from BOLI increased $1.5 million to $2.6 million for the quarter ended December 31, 2024, primarily due to improved income from the BOLI restructure[148] Capital and Ratios - Stockholders' equity decreased by $8.7 million to $744.9 million at December 31, 2024, primarily due to cash dividends of $13.8 million[134] - Book value per share decreased by $0.16 to $11.53 at December 31, 2024[135] - Total capital to risk-weighted assets at December 31, 2024, was $699,334, representing a ratio of 14.49%, exceeding the minimum requirement of 8.00%[178] - Tier 1 capital to risk-weighted assets at December 31, 2024, was $658,410, with a ratio of 13.64%, above the minimum requirement of 6.00%[178] - Common equity tier 1 capital to risk-weighted assets at December 31, 2024, was $658,410, with a ratio of 13.64%, surpassing the minimum requirement of 4.50%[178] Interest Rate Risk - Economic Value of Equity (EVE) decreased by 39.08% to $346,622 under a +300 basis points interest rate scenario as of December 31, 2024[187] - Net interest income (NII) decreased by 8.72% to $136,617 under a +300 basis points interest rate scenario as of December 31, 2024[187] - Interest rate risk is managed through an Asset/Liability Management program overseen by the Board of Directors, with sensitivity analyses conducted for both earnings and capital[183][184] - The sensitivity of EVE and NII to interest rate changes is influenced by the composition and allocation of the balance sheet and the use of off-balance sheet instruments[188] - Future interest rates and their impact on net interest income are unpredictable and based on numerous assumptions, including market interest rates and borrower behavior[189] Other Financial Metrics - Total interest-earning assets were $7.20 billion with an average yield of 4.58% for the six months ended December 31, 2024, compared to $7.42 billion and 4.41% in 2023[1] - Total interest-bearing liabilities were $6.24 billion with an average cost of 3.19% for the six months ended December 31, 2024, compared to $6.46 billion and 2.75% in 2023[1] - Commitments to originate and purchase loans totaled $94.8 million as of December 31, 2024, up from $47.9 million at June 30, 2024[4] - Effective tax rate for the quarter ended December 31, 2024 was 16.0%, compared to (14.8)% for the same period in 2023[153] - Effective tax rate decreased to 15.6% for the six months ended December 31, 2024, from 460.3% in the prior year[4] - Equipment and systems expense increased by $137,000 to $7.8 million for the quarter ended December 31, 2024, due to ongoing digital banking initiatives[4]

FOR IMMEDIATE RELEASE January 30, 2025 For further information contact: Keith Suchodolski, Senior Executive Vice President and Chief Operating Officer, or Sean Byrnes, Executive Vice President and Chief Financial Officer Kearny Financial Corp. (973) 244-4500 KEARNY FINANCIAL CORP. ANNOUNCES SECOND QUARTER FISCAL 2025 RESULTS AND DECLARATION OF CASH DIVIDEND Fairfield, N.J., January 30, 2025 – Kearny Financial Corp. (NASDAQ GS: KRNY) (the "Company"), the holding company of Kearny Bank (the "Bank"), reported ...