[Form 4] Kearny Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

Joyce Patrick M, EVP and CLO of Kearny Financial Corp. (KRNY), reported transactions dated 08/07/2025. The filing records an award of 12,787 restricted stock units granted at a $0 price that vest at 33% per year beginning 08/07/2026. The same date shows a reported disposition of 3,663 shares at a price of $5.86. The report lists two differing direct beneficial ownership totals tied to those entries: 62,028 and 58,365 shares as reported in the table.

The filing also discloses outstanding derivative holdings of 150,000 stock options (exercise price $15.35, exercisable through 12/01/2026) and indirect holdings through an ESOP (63,341), 401(k) (35,258) and BEP (2,320), which the form notes are not required to be reported under Section 16.

Positive

• 12,787 restricted stock units granted at $0 with an explicit vesting schedule (33% per year starting 08/07/2026)
• 150,000 stock options outstanding (exercise price $15.35, exercisable through 12/01/2026) clearly disclosed
• Indirect retirement-plan holdings (ESOP 63,341; 401(k) 35,258; BEP 2,320) are transparently reported

Negative

• Disposition of 3,663 shares reported at a sale price of $5.86
• Two different direct beneficial ownership totals appear in the table (62,028 and 58,365), which may require reconciliation

Insights

Financial Analyst

TL;DR: Executive received a RSU grant and reported a small share disposition; notable option holdings remain large.

The filing documents a grant of 12,787 restricted stock units and a sale/disposition of 3,663 shares on 08/07/2025. The RSUs carry a clear vesting schedule of 33% per year beginning 08/07/2026, indicating multi-year vesting for compensation. The reporting person also holds 150,000 stock options exercisable through 12/01/2026 at a $15.35 strike. The form lists direct beneficial ownership totals (62,028 and 58,365) associated with the reported transactions and sizable indirect holdings via ESOP, 401(k) and BEP. These facts are material as disclosures of insider compensation and holdings but do not alone quantify economic impact relative to company size.

Corporate Governance Expert

TL;DR: Compensation-related award with standard multi-year vesting disclosed; routine insider sale also reported.

The report shows a restricted stock unit award with a defined vesting cadence and a contemporaneous reported disposition of 3,663 shares at $5.86. The presence of a large option position (150,000 options) and multiple indirect retirement-plan holdings are disclosed, with notes clarifying certain items are not Section 16-reportable. From a governance perspective, the filing documents standard executive compensation and required insider-reporting items; the filing itself contains no additional governance exceptions or disclosures beyond routine transaction reporting.

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^*

Joyce Patrick M

(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 CLO

3. Date of Earliest Transaction (Month/Day/Year)
08/07/2025

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	08/07/2025		A		12,787(1)	A	$0	62,028(2)(3)(4)	D
Common Stock	08/07/2025		F		3,663	D	$5.86	58,365(2)(3)(4)	D
Common Stock								63,341(5)	I	By ESOP
Common Stock								35,258(5)	I	By 401(k)
Common Stock								2,320(5)	I	By BEP

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	150,000		150,000	D

Explanation of Responses:

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

2. Includes restricted stock units which vest at a rate of 33% per year commencing on August 7, 2025.

3. Includes restricted stock units which vest at a rate of 33% per year commencing on August 7, 2024.

4. Includes restricted stock units which vest at a rate of 33% per year commencing on August 7, 2023.

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

Remarks:

	/s/ Gail Corrigan, pursuant to power of attorney	08/08/2025
	** 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 transactions did KRNY EVP Joyce Patrick report on 08/07/2025?

The filing reports an award of 12,787 restricted stock units and a reported disposition of 3,663 shares at $5.86 on 08/07/2025.

How do the restricted stock units (RSUs) granted to Joyce Patrick vest?

The RSUs vest at a rate of 33% per year commencing on 08/07/2026, as stated in the filing.

How many stock options does the reporting person hold for KRNY?

The filing discloses 150,000 stock options with an exercise price of $15.35, exercisable through 12/01/2026.

Are there indirect holdings disclosed for Joyce Patrick in the Form 4?

Yes. The form lists indirect holdings of 63,341 shares in an ESOP, 35,258 shares in a 401(k), and 2,320 shares in a BEP.

Does the filing explain any items that are not required to be reported under Section 16?

Yes. Note (5) states certain transactions reflected in the filing are not required to be reported pursuant to Section 16 of the Securities Exchange Act.