-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 E8+gzKQDRV/fv9s7qxXN2UjNRbga6JQFcR+s2Vn1VBIuiZktvGpUqdfw8o0g7h2m
 iPSscqNFfuAhLXBFWU57lA==

<SEC-DOCUMENT>0000946275-04-001260.txt : 20041228
<SEC-HEADER>0000946275-04-001260.hdr.sgml : 20041228
<ACCEPTANCE-DATETIME>20041228112338
ACCESSION NUMBER:		0000946275-04-001260
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041228
FILED AS OF DATE:		20041228
DATE AS OF CHANGE:		20041228

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Aanensen Theodore J
		CENTRAL INDEX KEY:			0001305544

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-51093
		FILM NUMBER:		041227667

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		201 991-4100

	MAIL ADDRESS:	
		STREET 1:		C/O KEARNY FINANCIAL CORP
		STREET 2:		614 KEARNY AVENUE
		CITY:			KEARNY
		STATE:			NJ
		ZIP:			07032

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Kearny Financial Corp.
		CENTRAL INDEX KEY:			0001295664
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				223803741
		STATE OF INCORPORATION:			X1
		FISCAL YEAR END:			0630

	BUSINESS ADDRESS:	
		STREET 1:		614 KEARNY AVENUE
		CITY:			KEARNY
		STATE:			NJ
		ZIP:			07032
		BUSINESS PHONE:		800 273-3406

	MAIL ADDRESS:	
		STREET 1:		614 KEARNY AVENUE
		CITY:			KEARNY
		STATE:			NJ
		ZIP:			07032
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-12-28</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001295664</issuerCik>
        <issuerName>Kearny Financial Corp.</issuerName>
        <issuerTradingSymbol>KRNY</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001305544</rptOwnerCik>
            <rptOwnerName>Aanensen Theodore J</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O KEARNY FINANCIAL CORP</rptOwnerStreet1>
            <rptOwnerStreet2>614 KEARNY AVENUE</rptOwnerStreet2>
            <rptOwnerCity>KEARNY</rptOwnerCity>
            <rptOwnerState>NJ</rptOwnerState>
            <rptOwnerZipCode>07032</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock, par value $0.10</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Theodore J. Aanensen</signatureName>
        <signatureDate>2004-12-28</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----