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    <div style="text-align: right; font-weight: bold;">Registration No. 333-_________</div>
    <div style="text-align: right; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">As filed with the Securities and Exchange Commission on November 19, 2021</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">UNITED STATES</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;">Washington, D.C.&#160; 20549</font></div>
    <div style="text-align: center; font-size: 12pt;"><font style="font-weight: bold;"></font>_________________________</div>
    <div style="text-align: center; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">FORM S-8</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">REGISTRATION STATEMENT</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">UNDER</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">THE SECURITIES ACT OF 1933</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Kearny Financial Corp.</div>
    <div style="text-align: center; font-size: 8pt;">(Exact Name of Registrant as Specified in its Charter)</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zd21415b09ec54877b8f597946c6a6fba">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">Maryland</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 12pt; font-weight: bold;">30-0870244</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(State or Other Jurisdiction of</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">(I.R.S. Employer Identification No.)</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: center; font-size: 8pt;">Incorporation or Organization)</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">120 Passaic Avenue</font></div>
    <div style="text-align: center; font-size: 8pt;"><font style="font-size: 12pt; font-weight: bold;">Fairfield, New Jersey 07004</font><br>
      (Address of Principal Executive Offices)</div>
    <div style="text-align: center; font-size: 8pt;"> <br>
    </div>
    <div style="text-align: center;"><font style="font-size: 12pt; font-weight: bold;">Kearny Financial Corp. 2021 Equity Incentive Plan</font></div>
    <div style="text-align: center;"><font style="font-size: 12pt; font-weight: bold;"></font><font style="font-size: 8pt;">(Full Title of the Plans)</font></div>
    <div style="text-align: center;"><font style="font-size: 8pt;"></font></div>
    <div style="text-align: center;"> <br>
    </div>
    <div style="text-align: center;">Copies to:</div>
    <div style="text-align: center;"> <br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z2c050e4a8c604165833ca4025c16eb01">

        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Mr. Craig L. Montanaro</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Lawrence M.F. Spaccasi, Esquire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">President and Chief Executive Officer</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Marc P. Levy, Esquire</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Kearny Financial Corp.</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Luse Gorman, PC</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">120 Passaic Avenue</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">5335 Wisconsin Ave., N.W., Suite 780</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Fairfield, New Jersey 07004</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">Washington, DC 20015-2035</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">(973) 244-4500</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">
            <div style="text-align: center;">(202) 274-2000</div>
          </td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">(Name, Address and Telephone</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 47.35%; vertical-align: top;">
            <div style="text-align: center;">Number of Agent for Service)</div>
          </td>
          <td style="width: 5.34%; vertical-align: top;">&#160;</td>
          <td style="width: 47.32%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div>Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated
      filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;):</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="za2d247187aea48c4b6bed891d0c1c55d">

        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Large accelerated filer &#8999;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Accelerated filer &#9723;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Non-accelerated filer&#160; &#9723;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">
            <div>Smaller reporting company&#9723;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 66.66%; vertical-align: top;">
            <div>Emerging growth company &#9723;</div>
          </td>
          <td style="width: 33.34%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. &#9723;</div>
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    <div style="text-align: center; font-weight: bold;">CALCULATION OF REGISTRATION FEE</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z0c0794ba80e94c3388f248e30be7eeae">

        <tr>
          <td style="width: 22.12%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">Title of</div>
            <div style="text-align: center;">Securities</div>
            <div style="text-align: center;">to be</div>
            <div style="text-align: center;">Registered</div>
          </td>
          <td style="width: 18.28%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">Amount</div>
            <div style="text-align: center;">to be</div>
            <div style="text-align: center;">Registered</div>
          </td>
          <td style="width: 19.62%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">Proposed</div>
            <div style="text-align: center;">Maximum</div>
            <div style="text-align: center;">Offering Price</div>
            <div style="text-align: center;">Per Share</div>
          </td>
          <td style="width: 21.44%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">Proposed</div>
            <div style="text-align: center;">Maximum</div>
            <div style="text-align: center;">Aggregate</div>
            <div style="text-align: center;">Offering Price</div>
          </td>
          <td style="width: 18.54%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center;">Amount of</div>
            <div style="text-align: center;">Registration</div>
            <div style="text-align: center;">Fee</div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.12%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div>Common stock, par value $0.01 per share</div>
          </td>
          <td style="width: 18.28%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">7,500,000<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td style="width: 19.62%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$13.23<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
          </td>
          <td style="width: 21.44%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$99,225,000</div>
          </td>
          <td style="width: 18.54%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center;">$9,199</div>
          </td>
        </tr>

    </table>
    <div>_________________________</div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd9ea85ced6454900939997742166afc0">

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            <td style="width: 27pt; vertical-align: top; align: right;">
              <div>(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Kearny Financial Corp. 2021 Equity Incentive Plan (the
                &#8220;2021 Equity Plan&#8221;) as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of Kearny Financial Corp. (the &#8220;Company&#8221;) pursuant to 17 C.F.R. Section&#160;230.416(a) under the Securities Act of 1933, as
                amended (the &#8220;Securities Act&#8221;).</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7ac11a09d42e4d0bbaf09fab27c000b5">

          <tr>
            <td style="width: 27pt; vertical-align: top; align: right;">
              <div>(2)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Determined pursuant to 17 C.F.R. Section 230.457(h)(1) of the Securities Act.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: center; font-weight: bold;">_________________________</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">This Registration Statement shall become effective upon filing in accordance with Section 8(a) of the Securities Act of 1933 and 17 C.F.R. &#167; 230.462.</div>
    <div><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
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    </div>
    <div><font style="font-weight: bold;">PART I.</font>&#160; <font style="font-weight: bold;">INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</font></div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt;"><font style="font-weight: bold;">Items 1 and 2.</font>&#160; <font style="font-weight: bold;">Plan Information; and Registrant Information and Employee Plan Annual Information</font></div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">The documents containing the information specified in Part I of Form S-8 have been or will be sent or given to participants in the Plan as specified by Rule 428(b)(1) promulgated by the Securities
      and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act.</div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">Such documents are not being filed with the Commission, but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of Part II hereof) a
      prospectus that meets the requirements of Section 10(a) of the Securities Act.</div>
    <div style="margin-bottom: 12pt;"><font style="font-weight: bold;">PART II.</font>&#160; <font style="font-weight: bold;">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</font></div>
    <div style="margin-bottom: 12pt;"><font style="font-weight: bold;">Item 3.</font>&#160; <font style="font-weight: bold;">Incorporation of Documents by Reference</font></div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">The following documents previously filed by the Company with the Commission under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), are incorporated herein by reference (other
      than any such documents or portions thereof that are furnished under Item 2.02 or Item 7.01 of Form&#160;8-K,&#160;unless otherwise indicated therein, including any exhibits included with such Items):</div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">(a)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s Annual Report on Form 10-K for the fiscal year ended June 30, 2021
      (Commission File No. 001-37399), filed with the Commission on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000156459021046108/krny-10k_20210630.htm">August 27, 2021</a>, pursuant to Section 13(a) of the Exchange Act;</div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">(b)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The information specifically incorporated by reference into the Company&#8217;s Annual
      Report on Form 10-K for the year ended June 30, 2021 from the Company&#8217;s definitive proxy statement on Schedule 14A, filed with the Commission on <a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312521275874/d226870ddef14a.htm">September






        17, 2021</a>;</div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;"> (c)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>The Company's Quarterly Report on Form 10-Q for the quarter ended September 30, 2021, filed with the
      Commission on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000095017021003359/krny-20210930.htm">November 8, 2021</a>;<br>
    </div>
    <div style="text-indent: 36pt; margin-bottom: 12pt;">(d)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The Company&#8217;s Current Reports on Form 8-K filed on&#160; <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000156459021045173/krny-8k_20210818.htm">August 19, 2021</a>; <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000095017021001848/krny-20210920.htm">September 21, 2021</a>;
      <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000095017021001874/krny-20210922.htm">September 23, 2021</a>; <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000095017021002420/krny-20211027.htm">October 28, 2021</a>
      (filed portion only); <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000119312521312618/d224605d8k.htm">October 29, 2021</a>; and <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/1617242/000094337421000481/form8k.htm">November


        8, 2021;</a> and</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">(e)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>The description of the Company&#8217;s common stock contained in the
      Registration Statement on Form 8-A filed with the Commission on <a href="https://www.sec.gov/Archives/edgar/data/0001617242/000094337415000260/form8a12b_51512.htm">May 18, 2015</a> to register the Company's common stock under the Exchange Act
      (Commission File No. 001-37399),&#160;as updated by <a href="https://www.sec.gov/Archives/edgar/data/0001617242/000156459020041755/krny-ex42_474.htm">Exhibit 4.2</a> to the Company&#8217;s Annual Report on Form 10-K for the year ended June 30, 2020 (Commission
      File No. 001-37399), filed with the Commission on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001617242/000156459020041755/krny-10k_20200630.htm">August 28, 2020</a>, including any subsequent amendments or reports filed for the purpose
      of updating such description.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended, after the
      date hereof, and prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this
      Registration Statement and to be a part thereof from the date of the filing of such documents.&#160; Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or
      superseded for purposes of this Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or
      therein modifies or supersedes such statement.&#160; Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
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    </div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 4.&#160; Description of Securities</div>
    <div style="text-indent: 36pt;">Not applicable.</div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 5.&#160; Interests of Named Experts and Counsel</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">None.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Item 6.&#160; Indemnification of Directors and Officers</div>
    <div style="text-indent: 36pt;">Articles 10 and 11 of the Articles of Incorporation of Kearny Financial Corp. (the &#8220;Corporation&#8221;) set forth circumstances under which directors, officers, employees and agents of the Corporation may be insured or
      indemnified against liability which they incur in their capacities as such:</div>
    <div style="font-weight: bold;">&#160;</div>
    <div style="font-weight: bold;"><u>ARTICLE 10. Indemnification, etc. of Directors and Officers.</u></div>
    <div style="text-indent: 36pt; font-weight: bold;">&#160;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">A.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Indemnification.&#160; </font>The Corporation shall indemnify (1) its current and former directors and officers, whether serving the Corporation or at its request any other entity, to the fullest extent required or permitted
      by the Maryland General Corporation Law (&#8220;MGCL&#8221;) now or hereafter in force, including the advancement of expenses under the procedures and to the fullest extent permitted by law, and (2)&#160;other employees and agents to such extent as shall be
      authorized by the Board of Directors and permitted by law; provided, however, that, except as provided in Section&#160;B hereof with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such indemnitee in
      connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation.&#160; The right to indemnification conferred in Section A of this Article 10
      includes the right to be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final disposition (hereinafter an &#8220;advancement of expenses&#8221;); provided, however, that if the MGCL requires an advancement of
      expenses incurred by an indemnitee in his or her capacity as a director or officers (and not in any other capacity in which service was or is rendered by such indemnitee, including, without limitation, service to an employee benefit plan) shall be
      made only upon delivery to the Corporation of a written undertaking (hereinafter an &#8220;undertaking&#8221;), by or on behalf of such indemnitee, to repay all amounts so advanced if it shall ultimately be determined by a final judicial decision from which
      there is no further right to appeal that such indemnitee is not entitled to be indemnified for such expenses under Section A of this Article 10 or otherwise.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">B.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Procedure.&#160; </font>If a claim under Section&#160;A of this Article&#160;10 is not paid in full by the Corporation within sixty (60) days after a written claim has been received by the Corporation, except in the case of a claim for
      an advancement of expenses, in which case the applicable period shall be twenty (20) days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim.&#160; If successful in whole or in part in
      any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall also be entitled to be reimbursed the expense of prosecuting or defending such suit.&#160; It shall
      be a defense to any action for advancement of expenses that the Corporation has not received both (i) an undertaking as required by law to repay such advances in the event it shall ultimately be determined that the standard of conduct has not been
      met and (ii)&#160;a written affirmation by the indemnitee of his good faith belief that the standard of conduct necessary for indemnification by the Corporation has been met.&#160; In (i) any suit brought by the indemnitee to enforce a right to indemnification
      hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii)&#160;any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking
      the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met the applicable standard for indemnification set forth in the MGCL.&#160; Neither the failure of the Corporation (including its Board of
      Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable
      standard of conduct set forth in the MGCL, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall
      create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit.&#160; In any suit brought by the indemnitee to enforce a right to indemnification
      or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of
      expenses, under this Article&#160;10 or otherwise shall be on the Corporation.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">C.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Non-Exclusivity.&#160; </font>The rights to indemnification and to the advancement of expenses conferred in this Article&#160;10 shall not be exclusive of any other right which any Person may have or hereafter acquire under any
      statute, these Articles, the Corporation&#8217;s Bylaws, any agreement, any vote of stockholders or the Board of Directors, or otherwise.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">D.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Insurance.&#160; </font>The Corporation may maintain insurance, at its expense, to protect itself and any director, officer, employee or agent of the Corporation or another corporation, partnership, joint venture, trust or
      other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such Person against such expense, liability or loss under the MGCL.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">E.</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-weight: bold;">Miscellaneous.&#160; </font>The Corporation shall not be liable for any payment under this Article&#160;10 in connection with a claim made by any indemnitee to the extent such indemnitee has otherwise actually received payment
      under any insurance policy, agreement, or otherwise, of the amounts otherwise indemnifiable hereunder.&#160; The rights to indemnification and to the advancement of expenses conferred in Sections&#160;A and B of this Article&#160;10 shall be contract rights and
      such rights shall continue as to an indemnitee who has ceased to be a director or officer and shall inure to the benefit of the indemnitee&#8217;s heirs, executors and administrators.</div>
    <div style="text-indent: 24.5pt; margin-top: 12pt;">
      <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">F.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-weight: bold;">Limitations Imposed by Federal Law. </font>Notwithstanding any other provision set forth in this Article 10, in no event shall any payments made by the Corporation pursuant to this Article 10 exceed the amount
        permissible under applicable federal law, including, without limitation, Section&#160;18(k) of the Federal Deposit Insurance Act and the regulations promulgated thereunder.</div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Any repeal or modification of this Article&#160;10 shall not in any way diminish any rights to indemnification or advancement of expenses of such director or officer or the
      obligations of the Corporation arising hereunder with respect to events occurring, or claims made, while this Article&#160;10 is in force.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">ARTICLE&#160;11.&#160; Limitation of Liability.&#160; </font>An officer or director of the Corporation, as such, shall not be liable to the Corporation or its
      stockholders for money damages, except (A)&#160;to the extent that it is proved that the Person actually received an improper benefit or profit in money, property or services for the amount of the benefit or profit in money, property or services actually
      received; (B) to the extent that a judgment or other final adjudication adverse to the Person is entered in a proceeding based on a finding in the proceeding that the Person&#8217;s action, or failure to act, was the result of active and deliberate
      dishonesty and was material to the cause of action adjudicated in the proceeding; or (C)&#160;to the extent otherwise provided by the MGCL.&#160; If the MGCL is amended to further eliminate or limit the personal liability of officers and directors, then the
      liability of officers and directors of the Corporation shall be eliminated or limited to the fullest extent permitted by the MGCL, as so amended.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a director or officer of the
      Corporation existing at the time of such repeal or modification.</div>
    <div style="text-align: justify; font-weight: bold;">Item 7.&#160; Exemption From Registration Claimed.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Not applicable.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Item 8.&#160; List of Exhibits.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="za835e191d42e4a62a3b6d6dd4bac34ab">

        <tr>
          <td style="width: 20.45%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center;">Regulation S-K</div>
            <div style="text-align: center;">Exhibit Number</div>
          </td>
          <td style="width: 5.38%; vertical-align: bottom;">&#160;</td>
          <td style="width: 74.16%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div>Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312515091451/d776515ds1a.htm">4</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312515091451/d776515ds1a.htm">Form of Common Stock Certificate (Incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1 (File No. 333-198602)
                originally filed by the Company under the Securities Act of 1933 with the Commission on March 13, 2015, and all amendments or reports filed for the purpose of updating such description)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex5-s8_111821.htm">5</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex5-s8_111821.htm">Opinion of Luse Gorman, PC</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zc470b45724d84e4b8036d403c8a2a318">

        <tr>
          <td style="width: 20.45%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">&#160;
            <div style="text-align: center;">Regulation S-K</div>
            <div style="text-align: center;">Exhibit Number</div>
          </td>
          <td style="width: 5.38%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 74.16%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">
            <div>&#160;</div>
            <div> <br>
            </div>
            <div>Document</div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"> <a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312521275874/d226870ddef14a.htm"><br>
              </a></div>
            <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312521275874/d226870ddef14a.htm">10.1</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div> <a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312521275874/d226870ddef14a.htm"><br>
              </a></div>
            <div><a href="https://www.sec.gov/Archives/edgar/data/0001617242/000119312521275874/d226870ddef14a.htm">Kearny Financial Corp. 2021 Equity Incentive Plan (incorporated by reference to Appendix A to the Definitive Proxy Statement for the Annual
                Meeting of Stockholders of Kearny Financial Corp. (File No. 001-37399), filed by the Company under the Exchange Act on September 17, 2021)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-2_s8111821.htm">10.2</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex10-2_s8111821.htm">Form of Restricted Stock Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-3_s8111821.htm">10.3</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex10-3_s8111821.htm">Form of Incentive Stock Option Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-4_s8111821.htm">10.4</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex10-4_s8111821.htm">Form of Non-Qualified Stock Option Award Agreement</a></div>
            <div><a href="ex10-4_s8111821.htm">&#160;</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex10-5_s8111821.htm">10.5</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex10-5_s8111821.htm">Form of Performance-Based Restricted Stock Award Agreement</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex5-s8_111821.htm">23.1</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex5-s8_111821.htm">Consent of Luse Gorman, PC (contained in Exhibit 5)</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="ex23-2_s8111821.htm">23.2</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="ex23-2_s8111821.htm">Consent of Independent Registered Public Accounting Firm</a></div>
          </td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">&#160;</td>
          <td style="width: 5.38%; vertical-align: top;">&#160;</td>
          <td style="width: 74.16%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 20.45%; vertical-align: top;">
            <div style="text-align: center;"><a href="#POWEROFATTORNEY">24</a></div>
          </td>
          <td style="width: 5.38%; vertical-align: top;"><br>
          </td>
          <td style="width: 74.16%; vertical-align: top;">
            <div><a href="#POWEROFATTORNEY">Power of Attorney (contained on signature page)</a></div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: -27.35pt; margin-left: 27.35pt; font-weight: bold;">Item 9.&#160; Undertakings</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned Registrant hereby undertakes:</div>
    <div style="margin-bottom: 12pt; text-indent: 36pt;">1.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>To file, during any period in which offers or sales are being made, a post-effective
      amendment to this Registration Statement;</div>
    <div style="text-align: justify; margin-left: 72pt; margin-bottom: 12pt;">(i)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>to include any prospectus required by Section 10(a)(3) of the
      Securities Act of 1933;</div>
    <div style="text-align: justify; margin-left: 72pt; margin-bottom: 12pt;">(ii)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>to reflect in the prospectus any facts or events arising
      after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement.&#160;
      Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum
      offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering
      price set forth in the &#8220;Calculation of Registration Fees&#8221; table in the effective registration statement;</div>
    <div style="text-align: justify; margin-left: 72pt; margin-bottom: 12pt;">(iii)<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>to include any material information with respect to the plan
      of distribution not previously disclosed in this Registration Statement or any material change to such information in this Registration Statement;</div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="font-style: italic;">provided, however</font>, that paragraphs 1(i) and 1(ii) above do not apply if the information required to be included in a post-effective amendment by these
      paragraphs is contained in reports filed with or furnished to the Commission by the Company pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">2.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>That, for the purpose of determining any liability under the
      Securities Act of 1933, each such post-effective amendment shall be deemed to be a new Registration Statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">3.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>To remove from registration by means of a post-effective
      amendment any of the securities being registered which remain unsold at the termination of the Plan;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">4.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>That, for purposes of determining any liability under the
      Securities Act of 1933, each filing of the Registrant&#8217;s annual report pursuant to Section 13(a) or 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new Registration Statement relating
      to the securities offered</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof; and</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">5.<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" id="TRGRRTFtoHTMLTab">&#160;</font>Insofar as indemnification for liabilities arising under the
      Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission
      such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable.&#160; In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by
      a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant
      will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will
      be governed by the final adjudication of such issue.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="text-align: center;" id="DSPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
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    <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;"><font style="font-weight: bold;">The Registrant.</font>&#160; Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to
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            <div style="text-align: justify; font-weight: bold;">KEARNY FINANCIAL CORP.</div>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
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          <td style="width: 48.16%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;/s/ Craig L. Montanaro<br>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.92%; vertical-align: top;">&#160;</td>
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    <div style="text-align: center; font-weight: bold;"><a name="POWEROFATTORNEY"><!--Anchor--></a>POWER OF ATTORNEY</div>
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We, the undersigned directors and officers of Kearny Financial Corp. (the &#8220;Company&#8221;) hereby severally constitute and appoint Craig L. Montanaro, as our true and lawful attorney
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Pursuant to the requirements of the Securities Act of 1933, this Registration Statement on Form S-8 has been signed by the following persons in the capacities and on the date
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          <td style="width: 28.43%; vertical-align: top;">&#160;</td>
          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.16%; vertical-align: top;">&#160;</td>
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          <td style="width: 28.43%; vertical-align: top;">&#160;</td>
          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
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          <td style="width: 28.43%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;/s/ Craig L. Montanaro<br>
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            <div style="text-align: justify;">November 19, 2021</div>
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          <td style="width: 28.43%; vertical-align: top;">&#160;</td>
          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.16%; vertical-align: top;">&#160;</td>
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          <td style="width: 28.43%; vertical-align: top;">&#160;</td>
          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.16%; vertical-align: top;">&#160;</td>
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          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.16%; vertical-align: top;">&#160;</td>
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          <td style="width: 28.43%; vertical-align: top;">&#160;</td>
          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.16%; vertical-align: top;">&#160;</td>
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          <td style="width: 28.43%; vertical-align: top;">&#160;</td>
          <td style="width: 3.72%; vertical-align: top;">&#160;</td>
          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
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          <td style="width: 38.14%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
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          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
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          <td style="width: 24.18%; vertical-align: top;"><br>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
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            <div>Director</div>
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          <td style="width: 5.56%; vertical-align: top;"><br>
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          <td style="width: 24.18%; vertical-align: top;"><br>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;/s/ John N. Hopkins<br>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">
            <div>Director</div>
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">
            <div style="text-align: justify;">November 19, 2021</div>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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            <div>Director</div>
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;"><br>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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            <div>Director</div>
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          <td style="width: 5.56%; vertical-align: top;"><br>
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          <td style="width: 24.18%; vertical-align: top;"><br>
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          <td style="width: 29.65%; vertical-align: top;">
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;/s/ John F. McGovern<br>
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">
            <div>Director</div>
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          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">
            <div style="text-align: justify;">November 19, 2021</div>
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          <td style="width: 29.65%; vertical-align: top;">
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          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top;">&#160;</td>
          <td style="width: 5.57%; vertical-align: top;">&#160;</td>
          <td style="width: 35.06%; vertical-align: top;">&#160;</td>
          <td style="width: 5.56%; vertical-align: top;">&#160;</td>
          <td style="width: 24.18%; vertical-align: top;">&#160;</td>
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          <td style="width: 29.65%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;/s/ Leopold W. Montanaro<br>
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Registration No. 333-_________
As filed with the Securities and Exchange Commission on November 19, 2021
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549
_________________________
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
Kearny Financial Corp.
(Exact Name of Registrant as Specified in its Charter)
Maryland
30-0870244
(State or Other Jurisdiction of
(I.R.S. Employer Identification No.)
Incorporation or Organization)
120 Passaic Avenue
Fairfield, New Jersey 07004
(Address of Principal Executive Offices)
Kearny Financial Corp. 2021 Equity Incentive Plan
(Full Title of the Plans)
Copies to:
Mr. Craig L. Montanaro
Lawrence M.F. Spaccasi, Esquire
President and Chief Executive Officer
Marc P. Levy, Esquire
Kearny Financial Corp.
Luse Gorman, PC
120 Passaic Avenue
5335 Wisconsin Ave., N.W., Suite 780
Fairfield, New Jersey 07004
Washington, DC 20015-2035
(973) 244-4500
(202) 274-2000
(Name, Address and Telephone
Number of Agent for Service)
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated
      filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"):
Large accelerated filer ⌧
Accelerated filer ◻
Non-accelerated filer  ◻
Smaller reporting company◻
Emerging growth company ◻
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to
      Section 7(a)(2)(B) of the Securities Act. ◻
CALCULATION OF REGISTRATION FEE
Title of
Securities
to be
Registered
Amount
to be
Registered
Proposed
Maximum
Offering Price
Per Share
Proposed
Maximum
Aggregate
Offering Price
Amount of
Registration
Fee
Common stock, par value $0.01 per share
7,500,000
(1)
$13.23
(2)
$99,225,000
$9,199
_________________________
(1)
Together with an indeterminate number of additional shares that may be necessary to adjust the number of shares reserved for issuance pursuant to the Kearny Financial Corp. 2021 Equity Incentive Plan (the
                "2021 Equity Plan") as a result of a stock split, stock dividend or similar adjustment of the outstanding common stock of Kearny Financial Corp. (the "Company") pursuant to 17 C.F.R. Section 230.416(a) under the Securities Act of 1933, as
                amended (the "Securities Act").
(2)
Determined pursuant to 17 C.F.R. Section 230.457(h)(1) of the Securities Act.
_________________________
This Registration Statement shall become effective upon filing in accordance with Section 8(a) of the Securities Act of 1933 and 17 C.F.R. § 230.462.
2
PART I.
INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
Items 1 and 2.
Plan Information; and Registrant Information and Employee Plan Annual Information
The documents containing the information specified in Part I of Form S-8 have been or will be sent or given to participants in the Plan as specified by Rule 428(b)(1) promulgated by the Securities
      and Exchange Commission (the "Commission") under the Securities Act.
Such documents are not being filed with the Commission, but constitute (along with the documents incorporated by reference into this Registration Statement pursuant to Item 3 of Part II hereof) a
      prospectus that meets the requirements of Section 10(a) of the Securities Act.
PART II.
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of Documents by Reference
The following documents previously filed by the Company with the Commission under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), are incorporated herein by reference (other
      than any such documents or portions thereof that are furnished under Item 2.02 or Item 7.01 of Form 8-K, unless otherwise indicated therein, including any exhibits included with such Items):
(a)
The Company's Annual Report on Form 10-K for the fiscal year ended June 30, 2021
      (Commission File No. 001-37399), filed with the Commission on
August 27, 2021
, pursuant to Section 13(a) of the Exchange Act;
(b)
The information specifically incorporated by reference into the Company's Annual
      Report on Form 10-K for the year ended June 30, 2021 from the Company's definitive proxy statement on Schedule 14A, filed with the Commission on
September

        17, 2021
;
(c)
The Company's Quarterly Report on Form 10-Q for the quarter ended September 30, 2021, filed with the
      Commission on
November 8, 2021
;
(d)
The Company's Current Reports on Form 8-K filed on
August 19, 2021
;
September 21, 2021
;
September 23, 2021
;
October 28, 2021
(filed portion only);
October 29, 2021
; and
November

        8, 2021;
and
(e)
The description of the Company's common stock contained in the
      Registration Statement on Form 8-A filed with the Commission on
May 18, 2015
to register the Company's common stock under the Exchange Act
      (Commission File No. 001-37399), as updated by
Exhibit 4.2
to the Company's Annual Report on Form 10-K for the year ended June 30, 2020 (Commission
      File No. 001-37399), filed with the Commission on
August 28, 2020
, including any subsequent amendments or reports filed for the purpose
      of updating such description.
All documents subsequently filed by the Company with the Commission pursuant to Sections 13(a), 13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended, after the
      date hereof, and prior to the filing of a post-effective amendment which indicates that all securities offered hereby have been sold or which deregisters all securities then remaining unsold, shall be deemed incorporated by reference into this
      Registration Statement and to be a part thereof from the date of the filing of such documents.  Any statement contained in the documents incorporated, or deemed to be incorporated, by reference herein or therein shall be deemed to be modified or
      superseded for purposes of this Registration Statement and the prospectus to the extent that a statement contained herein or therein or in any other subsequently filed document which also is, or is deemed to be, incorporated by reference herein or
      therein modifies or supersedes such statement.  Any such statement so modified or superseded shall not be deemed, except as so modified or superseded, to constitute a part of this Registration Statement and the prospectus.
All information appearing in this Registration Statement and the prospectus is qualified in its entirety by the detailed information, including financial statements, appearing in
      the documents incorporated herein or therein by reference.
3
Item 4.  Description of Securities
Not applicable.
Item 5.  Interests of Named Experts and Counsel
None.
Item 6.  Indemnification of Directors and Officers
Articles 10 and 11 of the Articles of Incorporation of Kearny Financial Corp. (the "Corporation") set forth circumstances under which directors, officers, employees and agents of the Corporation may be insured or
      indemnified against liability which they incur in their capacities as such:
ARTICLE 10. Indemnification, etc. of Directors and Officers.
A.
Indemnification.
The Corporation shall indemnify (1) its current and former directors and officers, whether serving the Corporation or at its request any other entity, to the fullest extent required or permitted
      by the Maryland General Corporation Law ("MGCL") now or hereafter in force, including the advancement of expenses under the procedures and to the fullest extent permitted by law, and (2) other employees and agents to such extent as shall be
      authorized by the Board of Directors and permitted by law; provided, however, that, except as provided in Section B hereof with respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify any such indemnitee in
      connection with a proceeding (or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board of Directors of the Corporation.  The right to indemnification conferred in Section A of this Article 10
      includes the right to be paid by the Corporation the expenses incurred in defending any such proceeding in advance of its final disposition (hereinafter an "advancement of expenses"); provided, however, that if the MGCL requires an advancement of
      expenses incurred by an indemnitee in his or her capacity as a director or officers (and not in any other capacity in which service was or is rendered by such indemnitee, including, without limitation, service to an employee benefit plan) shall be
      made only upon delivery to the Corporation of a written undertaking (hereinafter an "undertaking"), by or on behalf of such indemnitee, to repay all amounts so advanced if it shall ultimately be determined by a final judicial decision from which
      there is no further right to appeal that such indemnitee is not entitled to be indemnified for such expenses under Section A of this Article 10 or otherwise.
B.
Procedure.
If a claim under Section A of this Article 10 is not paid in full by the Corporation within sixty (60) days after a written claim has been received by the Corporation, except in the case of a claim for
      an advancement of expenses, in which case the applicable period shall be twenty (20) days, the indemnitee may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim.  If successful in whole or in part in
      any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the indemnitee shall also be entitled to be reimbursed the expense of prosecuting or defending such suit.  It shall
      be a defense to any action for advancement of expenses that the Corporation has not received both (i) an undertaking as required by law to repay such advances in the event it shall ultimately be determined that the standard of conduct has not been
      met and (ii) a written affirmation by the indemnitee of his good faith belief that the standard of conduct necessary for indemnification by the Corporation has been met.  In (i) any suit brought by the indemnitee to enforce a right to indemnification
      hereunder (but not in a suit brought by the indemnitee to enforce a right to an advancement of expenses) it shall be a defense that, and (ii) any suit by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking
      the Corporation shall be entitled to recover such expenses upon a final adjudication that, the indemnitee has not met the applicable standard for indemnification set forth in the MGCL.  Neither the failure of the Corporation (including its Board of
      Directors, independent legal counsel, or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the indemnitee is proper in the circumstances because the indemnitee has met the applicable
      standard of conduct set forth in the MGCL, nor an actual determination by the Corporation (including its Board of Directors, independent legal counsel, or its stockholders) that the indemnitee has not met such applicable standard of conduct, shall
      create a presumption that the indemnitee has not met the applicable standard of conduct or, in the case of such a suit brought by the indemnitee, be a defense to such suit.  In any suit brought by the indemnitee to enforce a right to indemnification
      or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant to the terms of an undertaking, the burden of proving that the indemnitee is not entitled to be indemnified, or to such advancement of
      expenses, under this Article 10 or otherwise shall be on the Corporation.
4
C.
Non-Exclusivity.
The rights to indemnification and to the advancement of expenses conferred in this Article 10 shall not be exclusive of any other right which any Person may have or hereafter acquire under any
      statute, these Articles, the Corporation's Bylaws, any agreement, any vote of stockholders or the Board of Directors, or otherwise.
D.
Insurance.
The Corporation may maintain insurance, at its expense, to protect itself and any director, officer, employee or agent of the Corporation or another corporation, partnership, joint venture, trust or
      other enterprise against any expense, liability or loss, whether or not the Corporation would have the power to indemnify such Person against such expense, liability or loss under the MGCL.
E.
Miscellaneous.
The Corporation shall not be liable for any payment under this Article 10 in connection with a claim made by any indemnitee to the extent such indemnitee has otherwise actually received payment
      under any insurance policy, agreement, or otherwise, of the amounts otherwise indemnifiable hereunder.  The rights to indemnification and to the advancement of expenses conferred in Sections A and B of this Article 10 shall be contract rights and
      such rights shall continue as to an indemnitee who has ceased to be a director or officer and shall inure to the benefit of the indemnitee's heirs, executors and administrators.
F.
Limitations Imposed by Federal Law.
Notwithstanding any other provision set forth in this Article 10, in no event shall any payments made by the Corporation pursuant to this Article 10 exceed the amount
        permissible under applicable federal law, including, without limitation, Section 18(k) of the Federal Deposit Insurance Act and the regulations promulgated thereunder.
Any repeal or modification of this Article 10 shall not in any way diminish any rights to indemnification or advancement of expenses of such director or officer or the
      obligations of the Corporation arising hereunder with respect to events occurring, or claims made, while this Article 10 is in force.
ARTICLE 11.  Limitation of Liability.
An officer or director of the Corporation, as such, shall not be liable to the Corporation or its
      stockholders for money damages, except (A) to the extent that it is proved that the Person actually received an improper benefit or profit in money, property or services for the amount of the benefit or profit in money, property or services actually
      received; (B) to the extent that a judgment or other final adjudication adverse to the Person is entered in a proceeding based on a finding in the proceeding that the Person's action, or failure to act, was the result of active and deliberate
      dishonesty and was material to the cause of action adjudicated in the proceeding; or (C) to the extent otherwise provided by the MGCL.  If the MGCL is amended to further eliminate or limit the personal liability of officers and directors, then the
      liability of officers and directors of the Corporation shall be eliminated or limited to the fullest extent permitted by the MGCL, as so amended.
Any repeal or modification of the foregoing paragraph by the stockholders of the Corporation shall not adversely affect any right or protection of a director or officer of the
      Corporation existing at the time of such repeal or modification.
Item 7.  Exemption From Registration Claimed.
Not applicable.
Item 8.  List of Exhibits.
Regulation S-K
Exhibit Number
Document
4
Form of Common Stock Certificate (Incorporated by reference to Exhibit 4 to the Registration Statement on Form S-1 (File No. 333-198602)
                originally filed by the Company under the Securities Act of 1933 with the Commission on March 13, 2015, and all amendments or reports filed for the purpose of updating such description)
5
Opinion of Luse Gorman, PC
5
Regulation S-K
Exhibit Number
Document
10.1
Kearny Financial Corp. 2021 Equity Incentive Plan (incorporated by reference to Appendix A to the Definitive Proxy Statement for the Annual
                Meeting of Stockholders of Kearny Financial Corp. (File No. 001-37399), filed by the Company under the Exchange Act on September 17, 2021)
10.2
Form of Restricted Stock Award Agreement
10.3
Form of Incentive Stock Option Award Agreement
10.4
Form of Non-Qualified Stock Option Award Agreement
10.5
Form of Performance-Based Restricted Stock Award Agreement
23.1
Consent of Luse Gorman, PC (contained in Exhibit 5)
23.2
Consent of Independent Registered Public Accounting Firm
24
Power of Attorney (contained on signature page)
Item 9.  Undertakings
The undersigned Registrant hereby undertakes:
1.
To file, during any period in which offers or sales are being made, a post-effective
      amendment to this Registration Statement;
(i)
to include any prospectus required by Section 10(a)(3) of the
      Securities Act of 1933;
(ii)
to reflect in the prospectus any facts or events arising
      after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. 
      Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum
      offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) (section 230.424(b)) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering
      price set forth in the "Calculation of Registration Fees" table in the effective registration statement;
(iii)
to include any material information with respect to the plan
      of distribution not previously disclosed in this Registration Statement or any material change to such information in this Registration Statement;
provided, however
, that paragraphs 1(i) and 1(ii) above do not apply if the information required to be included in a post-effective amendment by these
      paragraphs is contained in reports filed with or furnished to the Commission by the Company pursuant to Section 13 or Section 15(d) of the Exchange Act that are incorporated by reference in this Registration Statement.
2.
That, for the purpose of determining any liability under the
      Securities Act of 1933, each such post-effective amendment shall be deemed to be a new Registration Statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof;
3.
To remove from registration by means of a post-effective
      amendment any of the securities being registered which remain unsold at the termination of the Plan;
4.
That, for purposes of determining any liability under the
      Securities Act of 1933, each filing of the Registrant's annual report pursuant to Section 13(a) or 15(d) of the Exchange Act that is incorporated by reference in the Registration Statement shall be deemed to be a new Registration Statement relating
      to the securities offered
6
therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide
offering thereof; and
5.
Insofar as indemnification for liabilities arising under the
      Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission
      such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable.  In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by
      a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant
      will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will
      be governed by the final adjudication of such issue.
7
SIGNATURES
The Registrant.
Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to
      believe that it meets all of the requirements for filing on Form S-8 and has duly caused this Registration Statement on Form S-8 to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Fairfield, State of New Jersey,
      on this 19
th
day of
November, 2021.
KEARNY FINANCIAL CORP.
By:
/s/ Craig L. Montanaro
Craig L. Montanaro
President and Chief Executive Officer
(Duly Authorized Representative)
POWER OF ATTORNEY
We, the undersigned directors and officers of Kearny Financial Corp. (the "Company") hereby severally constitute and appoint Craig L. Montanaro, as our true and lawful attorney
      and agent, to do any and all things in our names in the capacities indicated below which said Craig L. Montanaro may deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, and any rules, regulations and
      requirements of the Securities and Exchange Commission, in connection with the registration of shares of common stock issued under the Kearny Financial Corp. 2021 Equity Incentive Plan, including specifically, but not limited to, power and authority
      to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto; and we hereby approve, ratify and confirm all that said Craig L. Montanaro shall do or
      cause to be done by virtue thereof.
Pursuant to the requirements of the Securities Act of 1933, this Registration Statement on Form S-8 has been signed by the following persons in the capacities and on the date
      indicated.
Signatures
Title
Date
/s/ Craig L. Montanaro
President, Chief Executive Officer and Director
November 19, 2021
Craig L. Montanaro
(Principal Executive Officer)
/s/ Keith Suchodolski
Executive Vice President and Chief Financial Officer (Principal Financial and Accounting Officer)
November 19, 2021
Keith Suchodolski
/s/ John J. Mazur, Jr.
Chairman and Director
November 19, 2021
John J. Mazur, Jr.
8
Signatures
Title
Date
Director
Theodore J. Aanensen
Director
Raymond E. Chandonnet
/s/ John N. Hopkins
Director
November 19, 2021
John N. Hopkins
Director
Catherine A. Lawton
Director
Joseph P. Mazza
/s/ John F. McGovern
Director
November 19, 2021
John F. McGovern
/s/ Leopold W. Montanaro
Director
November 19, 2021
Leopold W. Montanaro
/s/ Christopher Petermann
Director
November 19, 2021
Christopher Petermann
/s/ Charles J. Pivirotto
Director
November 19, 2021
Charles J. Pivirotto
/s/ John F. Regan
Director
November 19, 2021
John F. Regan