[Form 4] Kearny Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Sean Byrnes, EVP and CFO of Kearny Financial Corp. (KRNY), reported a purchase of 2,887 shares of the issuer's common stock on 09/10/2025 at a price of $6.6364 per share. After this reported transaction, the filing shows beneficial ownership of 6,874 shares in accounts described as held indirectly (including a 401(k) account) and an additional 4,394 shares held indirectly via an ESOP. The filing also discloses 33,788 restricted stock units (RSUs) with staggered vesting: one tranche vests 33% per year commencing 08/07/2024, another commencing 08/07/2025, and another commencing 08/07/2026. The submission is a Form 4 reporting insider changes in beneficial ownership and includes an explanatory remark that one line reflects transactions not required to be reported under Section 16.

Positive

• Insider purchase of 2,887 shares at $6.6364 indicates the CFO added personal capital to KRNY stock
• Substantial RSU holdings (33,788 RSUs) with staged vesting align executive compensation with long-term shareholder value
• ESOP ownership (4,394 shares) demonstrates additional indirect employee/executive alignment with the company

Negative

• None.

Insights

Financial Analyst

TL;DR: CFO purchased 2,887 shares at $6.6364, modest insider buy with meaningful RSU holdings that align management with shareholders.

The reported acquisition of 2,887 shares is a direct purchase at $6.6364 per share and increases the reporting person’s beneficial stake to 6,874 shares in accounts described as indirect (including a 401(k)). In addition, the filing shows 33,788 restricted stock units across three vesting tranches and 4,394 shares held via an ESOP. While the cash purchase size is relatively small on an absolute basis, the presence of sizable RSU awards and ESOP holdings indicates a compensation mix that ties executive pay to equity performance. No derivative transactions or exercised options are reported.

Corporate Governance Expert

TL;DR: Insider purchase plus multi-year RSU vesting schedule suggests alignment with long-term shareholder interests; disclosure appears routine.

The Form 4 shows routine reporting of an insider open-market acquisition and compensation-related equity holdings. The RSUs vest 33% annually across three consecutive years beginning in 2024, 2025 and 2026, which spreads incentive realization over time and supports retention. The filing includes a standard explanatory note that certain transactions are not required to be reported under Section 16. There are no reported departures, grants of derivative awards, or unusual governance actions in this filing.

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
Estimated average burden
hours per response:			0.5

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^*

Byrnes Sean

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/10/2025

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	09/10/2025		I		2,887	A	$6.6364	6,874(1)	I	By 401(k)
Common Stock								33,788(2)(3)(4)	D
Common Stock								4,394(1)	I	By ESOP

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

Explanation of Responses:

1. Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended.

2. Restricted stock units which vest at a rate of 33% per year commencing on August 7, 2026.

3. Restricted stock units which vest at a rate of 33% per year commencing on August 7, 2025.

4. Restricted stock units which vest at a rate of 33% per year commencing on August 7, 2024.

Remarks:

	/s/ Gail Corrigan, pursuant to power of attorney	09/11/2025
	** 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 transaction did KRNY insider Sean Byrnes report on Form 4?

The filing reports a purchase of 2,887 shares on 09/10/2025 at $6.6364 per share.

How many shares does Sean Byrnes beneficially own after the reported transaction?

The Form 4 shows beneficial ownership of 6,874 shares following the reported transaction, held indirectly (including a 401(k)).

What equity compensation holdings are disclosed for Sean Byrnes in the filing?

The filing discloses 33,788 restricted stock units with staggered vesting (33% per year across three tranches) and 4,394 shares held via an ESOP.

When do the restricted stock units (RSUs) vest?

The RSUs vest at a rate of 33% per year commencing on 08/07/2024, 08/07/2025, and 08/07/2026 for the respective tranches disclosed.

Does the Form 4 report any derivative transactions or option exercises by the insider?

No derivative securities, option exercises, or warrants are reported in Table II of this Form 4.