Kearny Financial Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Millions USD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	32.37	26.08	-86.67	40.81	67.55	63.23
Depreciation & Amortization	4.7	4.88	5.26	6.3	6.66	6.84
Gain (Loss) on Sale of Assets	-0.75	0.02	0.96	-2.75	-0.37	-0.97
Gain (Loss) on Sale of Investments	-0.69	-1.13	15.62	10.14	-5.11	-13.98
Total Asset Writedown	-	-	97.37	-	-	1.94
Provision for Credit Losses	2.64	2.37	6.23	2.49	-7.52	-1.12
Net Decrease (Increase) in Loans Originated / Sold - Operating	-2.37	0.91	14.03	21.13	17.07	9.44
Accrued Interest Receivable	0.35	1.42	-1.39	-7.67	-1.1	-0.29
Change in Other Net Operating Assets	4.73	-7.08	-12.26	-20.34	-6.55	6.57
Other Operating Activities	0.31	-0.33	-0.8	3.15	6.03	2.22
Operating Cash Flow	40.7	24.77	43.97	69.55	81.3	75.42
Operating Cash Flow Growth	64.74%	-43.66%	-36.78%	-14.46%	7.80%	290.28%
Capital Expenditures	-1.67	-3.38	-1.35	-1.36	-2.92	-5.46
Cash Acquisitions	-	-	-	-	-	4.3
Investment in Securities	62.63	94.33	173.65	35.1	121.05	-308.8
Net Decrease (Increase) in Loans Originated / Sold - Investing	45.35	-66.77	80.69	-435.11	-589.18	195.75
Other Investing Activities	9.96	16.93	-6.85	-16.87	-9.62	30.24
Investing Cash Flow	116.28	41.11	258.12	-417.92	-479.95	-83.97
Short-Term Debt Issued	-	-	-	-	230	-
Long-Term Debt Issued	-	3,855	6,450	6,280	4,085	2,345
Total Debt Issued	3,745	3,855	6,450	6,280	4,315	2,345
Short-Term Debt Repaid	-	-125	-50	-25	-	-48.64
Long-Term Debt Repaid	-	-4,184	-6,198	-5,650	-4,100	-2,848
Total Debt Repaid	-3,909	-4,309	-6,248	-5,675	-4,100	-2,896
Net Debt Issued (Repaid)	-164	-453.5	202.5	605	215	-551.43
Issuance of Common Stock	-	-	-	-	-	0.37
Repurchase of Common Stock	-0.43	-0.36	-11.72	-28.02	-130.5	-119.82
Common Dividends Paid	-27.76	-27.63	-27.56	-28.5	-30.69	-28.65
Net Increase (Decrease) in Deposit Accounts	40.5	517.11	-471.03	-232.8	377.61	596.58
Other Financing Activities	0.49	1.91	-0.93	1.59	0.99	-1.61
Financing Cash Flow	-151.2	37.53	-308.74	317.27	432.41	-104.56
Net Cash Flow	5.79	103.41	-6.65	-31.1	33.76	-113.11
Free Cash Flow	39.04	21.39	42.62	68.19	78.38	69.96
Free Cash Flow Growth	86.43%	-49.82%	-37.50%	-13.00%	12.04%	423.49%
Free Cash Flow Margin	23.93%	14.11%	31.72%	38.72%	35.95%	33.74%
Free Cash Flow Per Share	0.62	0.34	0.68	1.05	1.10	0.85
Cash Interest Paid	180.45	194.26	184.94	108.52	28.82	50.49
Cash Income Tax Paid	5.78	4.06	6.63	9.88	15.55	19.73

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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