KRNY at a glance
Kearny Financial Corp. (KRNY, SEC CIK 1617242) filed its latest 10-K annual report on August 21, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as September 18, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended June 30, 2026 (FY2026), Kearny Financial Corp. (KRNY) reported revenue of $324.3 million (down 0.1% from FY2025) and net income of $36.3 million. Diluted EPS was $0.57.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding Kearny Financial Corp. (KRNY) shares worth $258.2 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Wong-Zaza Melvina on September 17, 2026 of 1,560 shares at $9.63 per share.
- In the last 90 days, KRNY insiders reported 6 open-market purchases ($198K) and 0 open-market sales ($0) on Form 4, a net purchase of $198K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $324.3M
- −0.1% vs prior year
- Insiders · 90 days
- 6 buys · 0 sells
- Net +$198K
- 13F holders
- 29 funds
- $258.2M · +1 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 2.02 · Item 7.01 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Jun 30, 2026
Risk Factors
- Regulatory risk from FDIC/OCC/FRB Guidance due to non-owner occupied commercial real estate loans at 515% of risk-based capital
- Geopolitical exposure to NY/NJ multifamily loans vulnerable to rent control laws limiting rental income growth in NYC
- Operational risk from reliance on third-party technology providers, including AI implementation risks causing processing errors or compliance issues
- Competitive threat from financial services technology companies challenging with differing regulatory environments and innovative products
- Financial risk from reliance on wholesale funding at $1.9 billion (24.8% of total assets) affecting liquidity and funding costs
Management Discussion & Analysis
- Revenue flat: Interest income $324.3M vs $324.5M YoY; net interest income up $20.3M to $155.3M driven by lower interest expense $169.0M vs $189.5M
- Operating margin improvement: Efficiency ratio 72.4% vs 78.3%; net interest margin 2.18% vs 1.88%; net income $36.3M vs $26.1M, ROA 0.48% vs 0.34%, ROE 4.8% vs 3.5%
- Best segment: Commercial and industrial loans growth $85.2M to $223.9M, driving loan portfolio remix strategy; worst segment multi-family mortgages decline $209.8M to $2.5B
- Capital allocation: Stockholders’ equity up $20.7M to $766.7M; dividends $28M; no explicit share buyback; capex details limited, digital banking investments noted in expense
- Outlook/risk: Management highlights sensitivity of ACL to economic changes; ACL stable at $45.5M (0.77% loans); liquidity ample with $114.8M cash, $964.4M securities; well-capitalized with Tier 1 ratio 14.3%
Business Overview
- Core business model: Operates as a savings and loan holding company focused on relationship-based commercial banking with emphasis on real estate and commercial loans
- New emphasis on technology-enabled growth: increased investments in digital banking, AI, automation, and data analytics to enhance client experience and operational efficiency
- Strategic shift: intensified focus on expanding commercial loan production and treasury management to deepen small and mid-market business relationships
- Loan portfolio growth metric: total loans increased by $63.1 million to $5.88 billion, with commercial & industrial loans up 61% to $224 million vs prior year
- Noteworthy fact: consolidated branch network by closing three locations in fiscal 2026 amid ongoing digital strategy enhancement
AI summary of the KRNY 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Quarterly net interest income $39.2M, up $5.2M YoY from $34.0M
- Net interest margin 2.21% vs 1.90% YoY
- Non-interest income $6.1M vs $4.6M, driven by $1.0M branch-sale gain
- Net income $10.1M vs $6.6M; effective tax rate 19.8% vs 15.3%
- Deposits $5.73B, up $53.9M; borrowings $1.06B, down $196.5M since June 30, 2025
Risk Factors
- No risk-factors section provided in the submitted filing text
- No newly added risk or changed risk identified
- No regulatory, legal, compliance, operational, competitive, market, or financial risk disclosed
AI summary of the KRNY 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Fiscal-year results for period ended June 30, 2026 announced July 23, 2026
- Press release included as Exhibit 99.1, providing the substantive financial results
Item 7.01: Regulation FD Disclosure
- Investor presentation released July 23, 2026 for meetings with prospective investors and existing shareholders
- Exhibit 99.2 contains management’s presentation materials and may provide updated strategic or financial context
Item 8.01: Other Events
- Quarterly cash dividend declared at $0.11 per share
- Payment scheduled for August 26, 2026, to shareholders of record August 12, 2026
Item 7.01: Regulation FD Disclosure
- Investor presentation furnished under Regulation FD for meetings beginning June 3, 2026
- Updated presentation adds a non-financial update to the April 23, 2026 investor materials
Item 2.02: Results of Operations and Financial Condition
- Fiscal period covered: quarter ended March 31, 2026
- Earnings press release issued April 23, 2026
Item 7.01: Regulation FD Disclosure
- Investor presentation released April 23, 2026 for meetings with prospective investors and shareholders
- Exhibit 99.2 contains management’s presentation materials and the substantive investor-facing disclosure
Item 8.01: Other Events
- Quarterly cash dividend maintained at $0.11 per share
- May 6, 2026 record date for eligible stockholders
AI summaries of KRNY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for KRNY
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Wong-Zaza Melvina | Buy | Sep 17, 2026 | 1,560 | $9.63 |
| MONTANARO LEOPOLD W | Buy | Aug 10, 2026 | 4,773 | $9.46 |
| BILOTTA ANTHONY V JR | A | Aug 7, 2026 | 7,578 | - |
| Swansson Timothy A | F | Aug 7, 2026 | 2,207 | $9.52 |
| Beierle Cassia J. | A | Aug 7, 2026 | 6,441 | - |
| Byrnes Sean | F | Aug 7, 2026 | 2,222 | $9.52 |
| Byrnes Sean | A | Aug 7, 2026 | 9,914 | - |
| Beierle Cassia J. | F | Aug 7, 2026 | 1,911 | $9.52 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Profitability | |||
| Revenue | $328.9M | $324.5M | $324.3M |
| Net Income | -$86.7M | $26.1M | $36.3M |
| Net Margin | -26.4% | 8.0% | 11.2% |
| Balance Sheet | |||
| Total Assets | - | $7.7B | $7.7B |
| Equity | $753.6M | $746.0M | $766.7M |
| ROE | -11.5% | 3.5% | 4.7% |
| Per Share | |||
| EPS | $-1.39 | $0.42 | $0.57 |
| Cash Flow | |||
| Operating CF | $44.0M | $24.8M | $37.7M |
| CapEx | $1.4M | $3.4M | $2.5M |
Source: XBRL data in Kearny Financial Corp. (KRNY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate KRNY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $258.2M |
| Q1 2026 | 28 | $198.2M |
| Q4 2025 | 25 | $192.2M |
| Q3 2025 | 25 | $174.0M |
| Q2 2025 | 26 | $172.3M |
| Q1 2025 | 22 | $114.1M |
| Q4 2024 | 18 | $113.2M |
| Q3 2024 | 16 | $92.4M |
- BlackRock+956.7K (+12%)
- Citadel Advisors LLC+252.1K (+199%)
- AQR Capital Management+135.3K (+7%)
- Vanguard Capital Management LLC+134.1K (+5%)
- Vanguard Portfolio Management LLC+63.4K (+12%)
- Dimensional Fund Advisors−189.3K (-6%)
- Goldman Sachs Group−178.7K (-22%)
- Renaissance Technologies LLC−152.7K (-6%)
- Morgan Stanley−78.7K (-23%)
- State Street Corp−62.3K (-3%)
- Prudential Financial+10.1K
Source: 13F-HR filings on SEC EDGAR (aggregated from 189 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
KRNY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 18, 2026 | - | - | - |
| 10-K | Aug 21, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Jul 28, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jun 18, 2026 | - | - | - |
| 4 | Jun 15, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 8-K | Jun 3, 2026 | - | Analysis | |
| 4 | Jun 2, 2026 | - | - | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Mar 12, 2026 | - | - | - |
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KRNY SEC filings: frequently asked questions
Are KRNY insiders buying or selling?
In the last 90 days, Kearny Financial Corp. (KRNY) officers, directors and 10% owners reported 6 open-market purchases worth $198,457 by 3 insiders and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold KRNY stock?
As of June 30, 2026, the largest Kearny Financial Corp. (KRNY) holders among the 13F filers tracked by SignalX were BlackRock ($84.5 million), Dimensional Fund Advisors ($28.3 million), Vanguard Capital Management LLC ($24.4 million), Renaissance Technologies LLC ($23.5 million), AQR Capital Management ($20.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was KRNY's revenue in fiscal year 2026?
For the fiscal year ended June 30, 2026 (FY2026), Kearny Financial Corp. (KRNY) reported revenue of $324.3 million (down 0.1% from FY2025) and net income of $36.3 million. Diluted EPS was $0.57. The figures come from the XBRL data in the 10-K.
What are the main risks in KRNY's latest 10-K?
In the 10-K filed August 21, 2026, Kearny Financial Corp. (KRNY) flagged: Regulatory risk from FDIC/OCC/FRB Guidance due to non-owner occupied commercial real estate loans at 515% of risk-based capital. Geopolitical exposure to NY/NJ multifamily loans vulnerable to rent control laws limiting rental income growth in NYC. (AI summary of the Risk Factors section.)
What did KRNY report in its latest 8-K?
Kearny Financial Corp. (KRNY) filed an 8-K on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure) and Item 8.01 (Other Events). Fiscal-year results for period ended June 30, 2026 announced July 23, 2026.
What are the latest KRNY SEC filings?
Kearny Financial Corp. (KRNY) filed its latest 10-K annual report on August 21, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on September 18, 2026.
What is KRNY's SEC CIK number?
Kearny Financial Corp. (KRNY)'s SEC Central Index Key (CIK) is 1617242. EDGAR lists every KRNY filing under that number.
Ask anything about KRNY
The research agent reads KRNY's filings, financials, insider trades and 13F holders, then answers with sources.