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


                                    FORM 8-K

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


                                February 1, 2007
                                ----------------
                                 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
                                                                      Number)

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.


                      INFORMATION TO BE INCLUDED IN REPORT
                      ------------------------------------


Item 2.02         Results of Operation and Financial Condition
                  --------------------------------------------

         On February 1, 2007,  the  Registrant  issued a press release to report
earnings for the quarter ended December 31, 2006. A copy of the press release is
furnished with this Form 8-K as an exhibit.


Item 9.01         Financial Statements and Exhibits
                  ---------------------------------

         (d) Exhibits:

                  99       Press Release dated February 1, 2007



                                   SIGNATURES


         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: February 1, 2007                By:  /s/Craig L. Montanaro
                                           -------------------------------------
                                           Craig L. Montanaro
                                           Senior Vice President and Director of
                                           Strategic Planning