<SEC-DOCUMENT>0000943374-25-000093.txt : 20250213
<SEC-HEADER>0000943374-25-000093.hdr.sgml : 20250213
<ACCEPTANCE-DATETIME>20250213150420
ACCESSION NUMBER:		0000943374-25-000093
CONFORMED SUBMISSION TYPE:	SCHEDULE 13G
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20250213
DATE AS OF CHANGE:		20250213

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Kearny Financial Corp.
		CENTRAL INDEX KEY:			0001617242
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				300870244
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-89110
		FILM NUMBER:		25619628

	BUSINESS ADDRESS:	
		STREET 1:		120 PASSAIC AVENUE
		CITY:			FAIRFIELD
		STATE:			NJ
		ZIP:			07004
		BUSINESS PHONE:		(973) 244-4500

	MAIL ADDRESS:	
		STREET 1:		120 PASSAIC AVENUE
		CITY:			FAIRFIELD
		STATE:			NJ
		ZIP:			07004

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Kearny Bank Employee Stock Ownership Plan Trust
		CENTRAL INDEX KEY:			0002055437
		ORGANIZATION NAME:           	
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G

	BUSINESS ADDRESS:	
		STREET 1:		120 PASSAIC AVENUE
		CITY:			FAIRFIELD
		STATE:			NJ
		ZIP:			07004
		BUSINESS PHONE:		973-244-4500

	MAIL ADDRESS:	
		STREET 1:		120 PASSAIC AVENUE
		CITY:			FAIRFIELD
		STATE:			NJ
		ZIP:			07004
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13G
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
<headerData>
<submissionType>SCHEDULE 13G</submissionType>
<filerInfo>
<filer>
<filerCredentials>
<cik>0002055437</cik>
<ccc>XXXXXXXX</ccc>
</filerCredentials>
</filer>
<liveTestFlag>LIVE</liveTestFlag>



</filerInfo>
</headerData>
<formData>
<coverPageHeader>
<securitiesClassTitle>Common Stock, par value $0.01 per share</securitiesClassTitle>
<eventDateRequiresFilingThisStatement>12/31/2024</eventDateRequiresFilingThisStatement>
<issuerInfo>
<issuerCik>0001617242</issuerCik>
<issuerName>KEARNY FINANCIAL CORP.</issuerName>
<issuerCusip>48716P108</issuerCusip>
<issuerPrincipalExecutiveOfficeAddress>
<com:street1>120 Passaic Avenue</com:street1>
<com:city>Fairfield</com:city>
<com:stateOrCountry>NJ</com:stateOrCountry>
<com:zipCode>07004</com:zipCode>
</issuerPrincipalExecutiveOfficeAddress>
</issuerInfo>
<designateRulesPursuantThisScheduleFiled>
<designateRulePursuantThisScheduleFiled>Rule 13d-1(b)</designateRulePursuantThisScheduleFiled>
</designateRulesPursuantThisScheduleFiled>
</coverPageHeader>
<coverPageHeaderReportingPersonDetails>

<reportingPersonName>Kearny Bank Employee Stock Ownership Plan Trust</reportingPersonName>
<memberGroup>b</memberGroup>
<citizenshipOrOrganization>NJ</citizenshipOrOrganization>
<reportingPersonBeneficiallyOwnedNumberOfShares>
<soleVotingPower>2057153</soleVotingPower>
<sharedVotingPower>2663594</sharedVotingPower>
<soleDispositivePower>4557707</soleDispositivePower>
<sharedDispositivePower>163040</sharedDispositivePower>
</reportingPersonBeneficiallyOwnedNumberOfShares>
<reportingPersonBeneficiallyOwnedAggregateNumberOfShares>4720747</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
<aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
<classPercent>7.3</classPercent>
<typeOfReportingPerson>EP</typeOfReportingPerson>
</coverPageHeaderReportingPersonDetails>
<items>
<item1>
<issuerName>KEARNY FINANCIAL CORP.</issuerName>
<issuerPrincipalExecutiveOfficeAddress>120 Passaic Avenue, Fairfield, New Jersey, 07004</issuerPrincipalExecutiveOfficeAddress>
</item1>
<item2>
<filingPersonName>Kearny Bank&#13;
Employee Stock Ownership Plan Trust&#13;
Trustee: Pentegra Trust Company</filingPersonName>
<principalBusinessOfficeOrResidenceAddress>c/o Pentegra Services, Inc.&#13;
2 Enterprise Drive, Suite 408&#13;
Shelton, Connecticut 06484</principalBusinessOfficeOrResidenceAddress>
<citizenship>New Jersey</citizenship>
</item2>
<item3>
<notApplicableFlag>N</notApplicableFlag>
<typeOfPersonFiling>EP</typeOfPersonFiling>
</item3>
<item4>
<amountBeneficiallyOwned>4,720,747</amountBeneficiallyOwned>
<classPercent>7.3</classPercent>
<numberOfSharesPersonHas>
<solePowerOrDirectToVote>2,057,153</solePowerOrDirectToVote>
<sharedPowerOrDirectToVote>2,663,594</sharedPowerOrDirectToVote>
<solePowerOrDirectToDispose>4,557,707</solePowerOrDirectToDispose>
<sharedPowerOrDirectToDispose>163,040</sharedPowerOrDirectToDispose>
</numberOfSharesPersonHas>
</item4>
<item5>
<notApplicableFlag>Y</notApplicableFlag>
</item5>
<item6>
<notApplicableFlag>Y</notApplicableFlag>
</item6>
<item7>
<notApplicableFlag>Y</notApplicableFlag>
</item7>
<item8>
<notApplicableFlag>N</notApplicableFlag>
<identificationAndClassificationOfGroupMembers>The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974.</identificationAndClassificationOfGroupMembers>
</item8>
<item9>
<notApplicableFlag>Y</notApplicableFlag>
</item9>
<item10>
<notApplicableFlag>N</notApplicableFlag>
<certifications>By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.</certifications>
</item10>
</items>
<signatureInformation>
<reportingPersonName>Kearny Bank Employee Stock Ownership Plan Trust</reportingPersonName>
<signatureDetails>
<signature>/s/ Paula Edmonds</signature>
<title>Paula Edmonds, SVP, Pentegra Trust Company, Trustee</title>
<date>02/07/2025</date>
</signatureDetails>
</signatureInformation>
</formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
