Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

                                October 31, 2005
                                 Date of Report
                        (Date of earliest event reported)

                             Kearny Financial Corp.
              ---------------------------------- -----------------
             (Exact name of Registrant as specified in its Charter)

       United States                         0-51093                22-3803741
---------------------------------       -----------------           ----------
 (State or other jurisdiction            (SEC Commission          (IRS Employer
     of incorporation)                      File No.)             Identification

120 Passaic Avenue, Fairfield, New Jersey                          07004    
-----------------------------------------                       ------------
(Address of principal executive offices)                         (Zip Code)

Registrant's telephone number, including area code: (973)244-4500

                                 Not Applicable
              ---------------------------------- -----------------
          (Former name or former address, if changed since last Report)

         Check the  appropriate  box below if the Form 8-K filing is intended to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

[_]  Written  communications  pursuant  to Rule 425  under  the  Securities  Act

[_]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act

[_]  Pre-commencement   communications  pursuant  to  Rule  14d-2(b)  under  the
     Exchange Act

[_]  Pre-commencement   communications  pursuant  to  Rule  13e-4(c)  under  the
     Exchange Act 

                             KEARNY FINANCIAL CORP.


Item 2.02 Results of Operation and Financial Condition

         On October 31, 2005,  the  Registrant  issued a press release to report
earnings for the quarter  ended  September 30, 2005. A copy of the press release
is furnished with this Form 8-K as an exhibit.

Item 9.01 Financial Statements, Pro Forma Financial
          Information and Exhibits

         (c) Exhibits:

                  99       Press Release dated October 31, 2005


         Pursuant to the  requirements  of the Securities  Exchange Act of 1934,
the  Registrant  has duly  caused  this Report to be signed on its behalf by the
undersigned, hereunto duly authorized.

                                       KEARNY FINANCIAL CORP.

Date: October 31, 2005                 By: /s/Craig L. Montanaro
                                           Craig L. Montanaro
                                           Senior Vice President and Director of
                                             Strategic Planning