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 ...

FAIRFIELD, N.J., July 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 June 30, 2025 of $6.8 million, or $0.11 per diluted share, compared to $6.6 million, or $0.11 per diluted share, for the quarter ended March 31, 2025. For the fiscal year ended June 30, 2025, the Company reported net income of $26.1 million, or $0.42 per diluted share, compared to a net loss of $86.7 million, o ...

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 ...

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 ...

Core Points - Kearny Financial Corp. reported a net income of $6.6 million for the quarter ended December 31, 2024, an increase from $6.1 million for the quarter ended September 30, 2024 [1][2] - Earnings per basic and diluted share were $0.11 and $0.10, respectively, for the quarter ended December 31, 2024, compared to $0.10 for the previous quarter [2] - The Board of Directors declared a quarterly cash dividend of $0.11 per share, payable on February 26, 2025 [2] Financial Performance - Net interest income increased by $166,000 to $32.6 million from $32.4 million for the previous quarter [8] - Non-interest income rose by $247,000 to $4.9 million, driven by a larger gain on the sale of loans and an increase in electronic banking fees [6] - Non-interest expense decreased by $225,000, or 0.8%, to $29.6 million, primarily due to a decrease in other expenses [14] Balance Sheet Highlights - Total assets were $7.73 billion at December 31, 2024, a decrease of $41.0 million, or 0.5%, from September 30, 2024 [8] - Loans receivable totaled $5.79 billion, an increase of $7.5 million, or 0.1%, from the previous quarter [8] - Deposits increased by $200.5 million, or 3.7%, to $5.67 billion, driven by increases in both interest and non-interest bearing demand deposits [8] Asset Quality - The balance of non-performing assets decreased by $2.2 million to $37.7 million, or 0.49% of total assets [15] - Net charge-offs totaled $573,000, or 0.04% of average loans, for the quarter ended December 31, 2024 [15] - The allowance for credit losses was $44.5 million, or 0.77% of total loans, a decrease from the previous quarter [15] Capital and Ratios - Book value per share decreased by $0.11, or 0.9%, to $11.53, while tangible book value per share decreased by $0.10, or 1.0%, to $9.75 [15] - The tangible equity to tangible assets ratio was 8.27% at December 31, 2024, with regulatory capital ratios exceeding the levels required to be classified as "well-capitalized" [15]

Financial Performance - Net income for the three months ended September 30, 2024, was $6,092 thousand, a decline of 38.0% compared to $9,842 thousand in the same period of 2023[7]. - Basic and diluted earnings per share (EPS) decreased to $0.10 from $0.16, a drop of 37.5%[7]. - Net interest income after provision for credit losses was $32,338 thousand, down from $38,915 thousand, representing a decrease of 17.0%[7]. - Total non-interest income increased to $4,626 thousand, up from $4,010 thousand, marking a growth of 15.4%[7]. - Net cash provided by operating activities decreased to $2,539,000 for the three months ended September 30, 2024, compared to $12,284,000 for the same period in 2023[13]. - The company recognized a loss of $17.5 million in other comprehensive income for the three months ended September 30, 2024, compared to a gain of $14.1 million in the same period of 2023[75]. Assets and Liabilities - Total assets increased to $7,772,379 thousand as of September 30, 2024, compared to $7,683,461 thousand on June 30, 2024, reflecting a growth of 1.16%[4]. - Total liabilities increased to $7,020,842 thousand, up from $6,929,890 thousand, reflecting a growth of 1.32%[4]. - Total deposits increased to $5,470,512 thousand, a rise of 6.05% from $5,158,123 thousand[4]. - Cash and cash equivalents increased significantly to $155,574 thousand from $63,864 thousand, a growth of 143.5%[4]. - The total carrying value of pledged securities increased to $972,759 as of September 30, 2024, up from $671,181 on June 30, 2024[31]. Loans and Credit Quality - Net loans receivable rose to $5,739,323 thousand, up from $5,687,848 thousand, indicating an increase of 0.91%[4]. - The total past due loans as of September 30, 2024, were $28,935, compared to $36,885 as of June 30, 2024, showing a decrease of about 21.5%[38][40]. - The allowance for credit losses totaled $44.9 million, or 0.78% of total loans, at September 30, 2024[126]. - The provision for credit losses was $108 thousand, a decrease from $245 thousand, indicating improved credit quality[7]. - The company reported no allowance for credit losses on available for sale securities as of September 30, 2024, indicating stable credit quality[34]. Securities and Investments - Total available for sale securities amounted to $1,177,595, with a fair value of $1,070,811, reflecting gross unrealized losses of $110,112 as of September 30, 2024[25]. - The fair value of debt securities available for sale decreased from $601,780,000 on June 30, 2024, to $585,398,000 on September 30, 2024[96]. - The total fair value of held to maturity debt securities was $120,725, with an amortized cost of $135,742, reflecting gross unrecognized losses of $16,464[28]. - The company actively monitors the credit quality of its securities through ratings from various agencies[34]. - The unrealized losses on available for sale securities are attributed to changes in market interest rates and credit spreads, rather than changes in credit quality[34]. Capital and Equity - Stockholders' equity decreased by $2.0 million to $751.5 million at September 30, 2024, from $753.6 million at June 30, 2024[134]. - Total capital to risk-weighted assets was $697.3 million, representing a ratio of 14.48% as of September 30, 2024, exceeding the minimum regulatory requirement[153]. - Tier 1 capital to risk-weighted assets rose to $703,628, with a ratio of 14.60% as of September 30, 2024, up from 13.65%[155]. Dividends and Shareholder Returns - Cash dividends declared were $0.11 per common share, totaling $6,896,000 for the three months ended September 30, 2024[11]. - The company declared a quarterly cash dividend on October 24, 2024, payable on November 20, 2024[21]. Interest Rates and Economic Outlook - The weighted average interest rate for fixed rate advances from the FHLB was 4.71% as of September 30, 2024, compared to 5.07% as of June 30, 2024, indicating a decrease in borrowing costs[65]. - The company anticipates potential impacts from changes in interest rates, inflation, and competition affecting future results[115].

Core Viewpoint - Kearny Financial Corp. reported a net income of $6.1 million for Q3 2024, a significant recovery from a net loss of $90.1 million in Q2 2024, primarily due to a prior goodwill impairment of $95.3 million [1][12]. Financial Performance - Net interest income decreased by $830,000 to $32.4 million in Q3 2024 from $33.3 million in Q2 2024, with a net interest margin of 1.80%, down four basis points [3][12]. - Non-interest income fell by $1.2 million to $4.6 million in Q3 2024, influenced by the absence of non-recurring items that were present in the previous quarter [4][12]. - Non-interest expense decreased dramatically by $96.8 million, or 76.5%, to $29.8 million, largely due to the prior quarter's goodwill impairment [5][12]. Balance Sheet Highlights - Total assets increased by $88.9 million, or 1.2%, to $7.77 billion as of September 30, 2024 [2][19]. - Loans receivable rose by $51.5 million, or 0.9%, to $5.78 billion, driven by growth in residential mortgage and construction loans [2][19]. - Deposits increased by $312.4 million, or 6.1%, to $5.47 billion, attributed to a shift from FHLB advances to brokered certificates of deposits [2][19]. Asset Quality - Non-performing assets remained stable at $39.9 million, or 0.51% of total assets, with net charge-offs significantly reduced to $124,000, or 0.01% of average loans [7][12]. - The allowance for credit losses was $44.9 million, unchanged from the previous quarter, reflecting a stable asset quality [7][12]. Capital Position - Book value per share decreased by $0.06, or 0.5%, to $11.64, while tangible book value per share also decreased by $0.05, or 0.5%, to $9.85 [8][12]. - The Company maintained a tangible equity to tangible assets ratio of 8.31%, with regulatory capital ratios exceeding the "well-capitalized" requirements [8][12]. Dividend Declaration - The Board of Directors declared a quarterly cash dividend of $0.11 per share, payable on November 20, 2024, to stockholders of record as of November 6, 2024 [1].