What is Kearny Financial's loans modified after 12 months?

Kearny Financial (KRNY) reported loans modified after 12 months of $11.15M in Q2 2025.

What does loans modified after 12 months mean?

This metric tracks the balance of loans that have undergone a formal modification process after a twelve-month period. It serves as an indicator of the bank's loan workout activity and the credit quality of the portfolio. A high volume of modified loans may suggest underlying stress in the borrower base or a proactive approach to credit risk management.

Kearny Financial KRNY Loans modified after 12 months

Loans modified after 12 months at other companies

Columbia Financial, Inc.CLBK

$24.27M+177%

Heritage FinancialHFWA

$10.36M-62.3%

Other financials

Income statement

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Revenue$45.3M+17.4%

Net income$10.1M+52.5%

EPS (diluted)$0.16+45.5%

Balance sheet

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Cash & equivalents$123.8M-1.8%

Total debt$1.1B-12.7%

Total equity$763.0M+2.0%

Total assets$7.6B-1.6%

Cash flow

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Operating cash flow$7.9M-52.8%

CapEx$305.0K+110%

Free cash flow$7.6M-54.2%

Valuation

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Market cap$573.95M+47.9%

Enterprise value$1.51B+2.3%

P/E16×—

P/S3.3×+0.8×

Profitability

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Net margin20.7%+12.2pp

FCF margin17.3%+4.0pp

Returns & leverage

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Return on equity4.7%+2.9pp

Debt / equity1.4×-0.2×

Where this comes from

Reported directly by Kearny Financial in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months.

The official record: Kearny Financial’s 10-K, filed August 21, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Kearny Financial's loans modified after 12 months?: Kearny Financial (KRNY) reported loans modified after 12 months of $11.15M in Q2 2025.
What does loans modified after 12 months mean?: This metric tracks the balance of loans that have undergone a formal modification process after a twelve-month period. It serves as an indicator of the bank's loan workout activity and the credit quality of the portfolio. A high volume of modified loans may suggest underlying stress in the borrower base or a proactive approach to credit risk management.