$KRNY 8-K earnings — Q4 FY26

EPS of $0.11 missed consensus, down 31% sequentially from $0.16, impacted by $1.6M discrete tax charge, $745K severance, and $262K OREO expense. Revenue quality was mixed: net interest margin expanded 30bps to 2.18% for FY2026, but quarterly results were weighed by non-operating items. The key nuance: core operating earnings were stronger than reported GAAP EPS, as the $2.6M in one-time charges masked underlying margin expansion and loan/deposit growth momentum.

Q4 EPS missed by $0.03, with $1.6M tax charge and severance costs.