[Form 4] Kearny Financial Corp. Insider Trading Activity

Rhea-AI Filing Summary

Kearny Financial Corp. director Montanaro Leopold W purchased 10,000 shares of common stock on 09/19/2025 at $6.57 per share, increasing his reported beneficial ownership to 265,227 shares. The filing also reports outstanding stock options with a $15.35 exercise price covering 100,000 shares that expire on 12/01/2026. The Form 4 was submitted under Section 16 reporting rules and was signed via power of attorney.

Positive

• Director purchase disclosed: 10,000 shares acquired at $6.57, increasing reported beneficial ownership to 265,227 shares
• Transparency: Transaction reported on Form 4 under Section 16 and filed with a power of attorney signature

Negative

• Options strike above purchase price: 100,000 stock options have a $15.35 exercise price, above the $6.57 share purchase price
• Potential dilution: Outstanding options covering 100,000 shares could dilute existing shareholders if exercised

Insights

Securities Analyst

TL;DR A company director bought 10,000 shares at $6.57 and holds options for 100,000 shares with a $15.35 strike.

This Form 4 discloses a straightforward director purchase increasing reported beneficial ownership to 265,227 shares. The cash purchase of 10,000 shares is a direct, non-derivative acquisition recorded at $6.57 per share. Separately, the director holds stock options exercisable through 12/01/2026 with a $15.35 exercise price, representing potential future dilution if exercised. The disclosure is routine and provides clear, auditable changes to insider holdings for investor transparency.

Corporate Governance Expert

TL;DR Insider transaction is a routine director purchase and standard Section 16 disclosure via power of attorney.

The filing documents a director-level purchase and the presence of existing option awards. The report was executed through a power of attorney, which is a common administrative practice for timely regulatory compliance. No other governance actions, departures, or amendments are disclosed in this Form 4.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

MONTANARO LEOPOLD W

(Last) (First) (Middle)

C/O KEARNY FINANCIAL CORP.

120 PASSAIC AVENUE

(Street)

FAIRFIELD NJ 07004

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Kearny Financial Corp. [ KRNY ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/19/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/19/2025		P		10,000	A	$6.57	265,227	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	$15.35							12/01/2017	12/01/2026	Common Stock	100,000		100,000	D

Explanation of Responses:

Remarks:

	/s/ Gail Corrigan, pursuant to power of attorney	09/23/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction was reported for Kearny Financial Corp. (KRNY)?

The filing reports director Montanaro Leopold W purchased 10,000 shares of common stock on 09/19/2025 at $6.57 per share.

How many shares does the reporting person beneficially own after the transaction?

After the purchase the reporting person beneficially owns 265,227 shares.

Are there any derivative securities reported for the insider in this Form 4?

Yes. The filing shows 100,000 stock options with a $15.35 exercise price, exercisable now and expiring on 12/01/2026.

Was the Form 4 signed directly by the reporting person?

The filing shows the Form 4 was signed via power of attorney (signature executed by Gail Corrigan on behalf of the reporting person).

Does this Form 4 indicate any sale or disposition of shares by the director?

No. The Form 4 reports a purchase (acquisition) of 10,000 shares and no dispositions of common stock in the non-derivative section.