Annual Meeting of Shareholders

Nasdaq: KRNY

October 27, 2016

Exhibit 99.2

This presentation may include certain “forward-looking statements,” which are made in good faith by Kearny Financial Corp.

(the “Company”) pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.

These forward-looking statements involve risks and uncertainties, such as statements of the Company’s plans, objectives,

expectations, estimates and intentions that are subject to change based on various important factors (some of which are

beyond the Company’s control).  In addition to the factors described under Item 1A. Risk Factors in the Company’s Annual

Report on Form 10-K, the following factors, among others, could cause the Company’s financial performance to differ

materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements:

•

the strength of the United States economy in general and the strength of the local economy in which the Company

conducts operations,

•

the effects of and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the

Board of Governors of the Federal Reserve System, inflation, interest rates, market and monetary fluctuations,

•

the impact of changes in financial services laws and regulations (including laws concerning taxation, banking,

securities and insurance),

•

changes in accounting policies and practices, as may be adopted by regulatory agencies, the Financial Accounting

Standards Board (“FASB”) or the Public Company Accounting Oversight Board,

•

technological changes.

•

competition among financial services providers and,

•

the success of the Company at managing the risks involved in the foregoing and managing its business.

The Company cautions that the foregoing list of important factors is not exclusive. The Company does not undertake to update

any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company.

Forward Looking Statements

2

Overview of Kearny Financial Corp

1)

As of October 24, 2016

2)

As of June 30, 2016

Source: SNL Financial, Company Filings

•

Founded in 1884

•

9

th

Largest New Jersey based deposit franchise

–

42 branch locations in 11 counties throughout Northern

and Central New Jersey and Southern New York

–

Top 15 deposit market share in the counties of Bergen,

Hudson, Ocean, and Monmouth, New Jersey ²

•

Active acquirer

–

Completed 5 bank acquisitions since 1999 including

most recently Brooklyn, NY based Atlas Bank in June,

2014

(dollars in millions)

as of June 30, 2016

Total Assets

$4,500.1

Total Deposits

$2,694.8

Total Loans

$2,677.3

Corporate Headquarters

Fairfield, NJ

Branches

42

Market Capitalization¹

$1,250.4

3

Kearny Bank Mission Statement

Kearny Bank is dedicated to providing professional service and

sound financial advice to our client and shareholder base.  This is

successfully accomplished through deep-rooted guiding principles of

strong values consisting of ethics and integrity, and by giving back to

the communities we serve.  Through our financial expertise, strong

leadership, and loyal relationships, we help our clients achieve their

financial goals both for today and for tomorrow.

4

Core Values

People

Our significant stakeholders, including employees, current and future

customers, stockholders, and the communities we serve.

Relationships

Delivery of superior service, a keen understanding of clients’ needs, and

a welcoming environment has resulted in high levels of customer

satisfaction, loyalty, and strong long-lasting relationships.

Performance

A strong resolve to remain true to sound, conservative practices, and

superior customer service which has led to steady progress and growth

throughout the years

5

Kearny Value Chain

•

Optimization of asset mix

–

Grow and diversify our commercial real estate lending portfolio

–

Expand our commercial lending business into new markets

–

Increase residential mortgage lending

–

Reinvest cashflows

from the investment portfolio into loans while still maintaining a

diverse composition and allocation to reduce exposure to long term interest rate risk

•

Shift funding mix to focus more on core deposits: noninterest and interest bearing

non-maturity deposits

•

Expand existing fee based business lines (Mortgage Banking & SBA Lending)

•

Control noninterest expense

•

Significant opportunities to grow in market and in contiguous markets

•

Conservative lending policies and strong credit culture

•

Focused and disciplined approach to M&A

6

Attractive Market Demographics

Note Deposit numbers as of June 30, 2016

1)

Defined as the New York-Northern New Jersey-Long Island MSA

Source: SNL Financial

•

Attractive markets

•

Part of the largest

MSA¹ in the U.S

•

Opportunities still exist

for organic growth in

existing branch footprint

•

Weighted average

median 2017 projected

household income in

Kearny franchise

counties was $78,304

vs. $57,462 median

household income

nationwide

–

Household income

poised to grow

New York Market Demographics by County

County

Kearny

Market

Rank

Number

of

Branches

Kearny

Deposits

in Market

($000)

Market

Share

(%)

Projected

Population

Change

2017-2022

(%)

Median

HHI

2017

($)

Projected

HHI

Change

2017-2022

(%)

Kings

31

1

55,179

0.11

3.72

50,530

10.45

Richmond

19

1

10,073

0.08

1.62

73,481

2.84

Weighted Average: New York  Franchise

3.40

54,073

9.28

Aggregate: Entire State of New York

1.99

62,222

6.04

Aggregate: National

3.77

57,462

7.27

New Jersey Market Demographics by County

County

Kearny

Market

Rank

Number

of

Branches

Kearny

Deposits

in Market

($000)

Market

Share

(%)

Projected

Population

Change

2017-2022

(%)

Median

HHI

2017

($)

Projected

HHI

Change

2017-2022

(%)

Hudson

9

2

853,266

2.85

4.15

62,864

7.36

Bergen

15

9

818,446

1.63

3.03

88,821

5.49

Monmouth

12

12

503,448

2.12

0.51

92,229

7.60

Ocean

13

6

220,477

1.46

2.23

67,134

8.74

Middlesex

22

3

163,649

0.50

2.98

84,008

8.36

Morris

20

3

161,363

0.69

1.40

105,146

7.10

Essex

19

3

141,179

0.62

1.94

58,124

7.36

Union

26

1

55,906

0.22

2.94

72,505

8.38

Passaic

19

1

33,663

0.26

1.88

63,674

7.28

Weighted Average: New Jersey  Franchise

2.71

78,839

7.04

Aggregate: Entire State of New Jersey

1.82

75,854

8.08

Aggregate: National

3.77

57,462

7.27

7

$1,268

$1,284

$1,361

$1,741

$2,103

$2,677

$0

$500

$1,000

$1,500

$2,000

$2,500

$3,000

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

Total Loans

Loan Portfolio Growth

Kearny Financial

Corp. Historical Loan Growth (dollars in millions)

•

Loan growth focus:

–

Expand upon expertise in commercial real estate, C&I, multifamily, SBA, and construction lending;

–

Continue to hire additional commercial lenders and credit administration personnel to increase market share;

–

Lift out small teams of residential lenders to fill in strategic gaps in current footprint (NY, NJ, PA);

•

Over $500 million in organic commercial loan originations in fiscal 2016;

•

Solid

mortgage

banking

pipeline

growth

during

4

th

quarter

of

fiscal

2016

8

Loan Portfolio Composition

•

As of June 30, 2016 KRNY had $2.7 billion in loans

receivable, comprising 59.5% of total assets

•

Kearny’s yield on loans was 3.92% for the 2016 fiscal year

•

Kearny continues to make progress towards its intended

shift in loan mix

•

Maintain conservative underwriting and credit standards

•

Avg. LTV

–

1-4 Family: 55%

–

Multifamily: 66%

–

CRE: 63%

MRQ

Loan Portfolio

0%

20%

40%

60%

80%

100%

2014FY

2015FY

2016FY

1-4 Family

Multifamily

CRE

C&D

Consumer

Commercial

1-4 Family - 22.6%

Multifamily - 38.9%

CRE - 30.7%

C&D - 0.1%

Consumer - 4.3%

Commercial - 3.3%

New York

36%

New Jersey

59%

PA

4%

Outside (NY, NJ

& PA Markets)

1%

Other

5%

CRE, Multifamily & Resi. Portfolio Distribution

9

Commercial Lending Success Continues

10

Credit Metrics

1)

NPAs as defined by SNL to include nonaccrual loans and leases, renegotiated loans and leases, and real estate owned

2)

Peer group as shown on page 19

Note:  Peer comparison periods changed to conform to the same time periods as Kearny Financial Corp.’s fiscal periods (June 30 fiscal year-end)

Source: SNL Financial

NPAs / Assets¹

Loan Loss Reserves / Gross Loans

•

Kearny has been successful in reducing its percentage of nonperforming assets over the

past four calendar years

•

Kearny’s conservative underwriting standards and prompt attention to potential problem

loans supports consistently superior asset quality

•

Continue to refine ALLL methodology based on growth and changes to loan portfolio

•

ALLL coverage ratio increased by 55.3% to 0.91% in fiscal 2016

0.92%

1.34%

1.18%

0.86%

0.64%

0.49%

1.58%

1.69%

1.15%

0.74%

0.61%

0.60%

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

3.0%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

KRNY

Peer Median²

0.93%

0.79%

0.80%

0.71%

0.74%

0.91%

1.28%

1.08%

1.14%

1.08%

0.88%

0.89%

0.0%

0.5%

1.0%

1.5%

2.0%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

KRNY

Peer Median²

11

Securities Portfolio

Source: SNL Financial, Company Filings

•

Kearny’s yield on securities was 2.02% for the 2016 fiscal year, a decrease of 6

basis points from 2015

•

Kearny is working to reduce the portion of securities as a percent of total assets

–

As of June 30, 2016, 27.8% of Kearny’s total assets were comprised of securities as

compared to 42.2% of total assets at June 30, 2011

MRQ Securities

Portfolio

Yield on Securities

3.15%

2.69%

2.16%

2.08%

2.08%

2.02%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

U.S. Agency Obligations - 7.31%

Municipal Bonds - 8.84%

CLO & ABS Securities - 16.79%

Corporate Bonds - 10.99%

TPS - 0.61%

Agency MBS - 55.45%

Non-Agency MBS - 0.01%

12

Deposit Composition

MRQ Deposit

Portfolio

•

Kearny Financial Corp. had $2.69 billion in

deposits as of June

30, 2016

–

The

quarter

ended

June

30,

2016’s

cost

of

total deposits was  0.72% down from 1.06% 

for the quarter ended June 30, 2011

•

Shift deposit mix to more core deposits:

interest bearing non-maturity and

noninterest bearing

•

Increase term funding ahead of rising rates

•

Challenging deposit gathering environment

in Northeast

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

2014FY

2015FY

2016FY

Noninterest bearing deposits

Interest bearing DDA

Savings and clubs

Certificates of deposit

Noninterest bearing

deposits - 8.9%

Interest bearing DDA -

27.2%

Savings and clubs -

19.1%

Certificates of deposit -

44.8%

13

Improving Performance Metrics

Profitability

Efficiency Ratio

Performance Metrics

•

Performance metrics are improving

•

Since 2010 Kearny has nearly doubled the

portion of operating revenue derived from

noninterest sources

•

Both efficiency ratio and ROAA have

improved over the past three years

$5,078

$6,506

$10,188

$5,629

$15,822

0.18%

0.19%

0.32%

0.32%

0.36%

0.10%

0.15%

0.20%

0.25%

0.30%

0.35%

0.40%

$0

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

$14,000

$16,000

$18,000

2012FY

2013FY

2014FY

2015FY

2016FY

Net Income

Core ROAA

77.45%

83.02%

76.52%

76.89%

68.50%

60.00%

65.00%

70.00%

75.00%

80.00%

85.00%

90.00%

2012FY

2013FY

2014FY

2015FY

2016FY

Core Efficiency Ratio

$70,180

$66,257

$73,821

$80,608

7.18%

9.23%

8.46%

7.92%

10.26%

2.65%

2.50%

2.44%

2.34%

2.35%

$60,000

$65,000

$70,000

$75,000

$80,000

$85,000

$90,000

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

2012FY

2013FY

2014FY

2015FY

2016FY

Net Interest Income

Noninterest Inc/ Operating Rev

Net Interest Margin

14

12.0%

12.1%

11.3%

10.8%

25.8%

23.9%

10.0%

10.2%

9.5%

9.6%

11.2%

11.8%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

KRNY

Peer Median¹

25.3%

25.4%

21.8%

20.5%

47.2%

38.8%

14.5%

14.7%

15.2%

15.0%

17.0%

14.8%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

KRNY

Peer Median¹

24.5%

24.6%

21.1%

19.8%

46.5%

37.9%

13.0%

13.6%

13.5%

12.6%

13.3%

13.1%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

KRNY

Peer Median¹

13.5%

13.5%

11.8%

11.3%

25.6%

23.7%

9.3%

9.5%

9.0%

9.2%

9.2%

9.7%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

2011FY

2012FY

2013FY

2014FY

2015FY

2016FY

KRNY

Peer Median¹

Maintenance of Strong Capital Ratios

1)

Peer group as shown on page 19

Source: SNL Financial.  Bank level financial numbers used where unavailable at the holding company

Tangible Common Equity to Tangible Assets

Tier 1 Leverage Ratio

Tier 1 Risk Based Capital Ratio

Risk-Based Capital Ratio

15

M&A History and Strategy

Source: SNL Financial, Company Filings

Seller

Completed

Type

Assets

($000)

Branches

Atlas Bank

June 30, 2014

Thrift

110,480

2

Central Jersey Bancorp

November 30, 2010

Bank

571,295

13

West Essex Bancorp

July 1, 2003

Thrift

390,333

8

Pulaski Bancorp, Inc. MHC

October 18, 2002

Thrift

237,596

6

1

st

Bergen

Bancorp

March 31, 1999

Thrift

300,755

4

•

Kearny is an experienced acquirer and integrator, having successfully completed 5 bank

acquisitions over the past 15 years

•

Kearny actively seeks out opportunities to deploy capital, including through mergers and

acquisitions with other financial institutions

–

The greatest emphasis of future expansion opportunities will be on expanding within existing markets

or areas contiguous to current markets

–

In addition to acquiring banks and their branches, the Company will also consider opportunities to

broaden the product and services offerings of the bank

–

Management is sensitive to key merger metrics such as TBV dilution and earn-back periods

16

•

Robust capital to support continued growth

–

The second step offering allows Kearny to pursue organic and strategic growth

opportunities that will continue Kearny’s historically strong loan growth

•

Facilitates future mergers and acquisitions

–

Allows for increased flexibility to use common stock while bidding for potential strategic

targets

–

Potential to make Kearny a more attractive participant in the mergers and acquisitions

market, particularly in the NY, NJ, and PA market places

–

Larger public float and strong liquidity results in an active market for Kearny’s common

stock. Average daily trading volume 508,616 shares

•

Index membership

–

ABA Nasdaq Indices (ABAQ, ABQI, QABA, XABQ)

–

Nasdaq Bank Index

–

Russel 2000

A Stronger Kearny Financial

17

•

Traditional Relationship Banking Focus

–

Growth/ Diversification of loan mix: CRE/Multifamily/C&I/SBA/Residential/Construction/Consumer

–

Grow funding thru traditional deposit sources utilizing a technological focus: mobile banking/on-line account

opening/RDC

•

Growth/Opportunities

–

Mortgage banking platform (Fee income)

–

SBA (Fee Income)

–

Government & Small Business Banking teams

•

Expand customer relationships

–

Extraordinary service

–

Competitively priced products and services

–

Digital marketing/On-boarding

•

Utilize Traditional Capital Market Strategies

–

Dividends

–

Buybacks (10% Buyback announced 5/18/2016)

–

M&A

•

Control operating expenses

–

Technology

–

Business line profitability analysis

–

Branch rationalization vs new branching opportunities

2016 Strategic Focus

18

(20%)

0%

20%

40%

60%

80%

100%

120%

1/1/12

7/1/12

1/1/13

7/1/13

1/1/14

7/1/14

1/1/15

7/1/15

1/1/16

7/1/16

KRNY

KRNY Peers

S&P 500

Comparative Stock Price Performance

Note: Market data as of October 24, 2016

1)

Peer group as shown on page 19

Source: SNL Financial

Stock Price Performance since January 1, 2012

103.4%

66.2%

71.1%

19

Peer Group Valuation Comparison

Note: Market data as of October

24, 2016

Source: SNL Financial

($ in thousands)

Total

Price/

Peer Company

Ticker

Headquarters

Assets

TBV

Flushing Financial Corporation

FFIC

Uniondale, NY

$5,987

133%

Dime Community Bancshares, Inc.

DCOM

Brooklyn, NY

$5,556

127%

ConnectOne Bancorp, Inc.

CNOB

Englewood Cliffs, NJ

$4,263

162%

OceanFirst Financial Corp.

OCFC

Toms River, NJ

$4,047

148%

Meridian Bancorp, Inc.

EBSB

Peabody, MA

$3,929

145%

Northfield Bancorp, Inc.

NFBK

Woodbridge, NJ

$3,741

136%

Oritani Financial Corp.

ORIT

Township of Washington, NJ

$3,669

135%

Peapack-Gladstone Financial Corporation

PGC

Bedminster, NJ

$3,605

122%

Bryn Mawr Bank Corporation²

BMTC

Bryn Mawr, PA

$3,174

214%

Blue Hills Bancorp, Inc.

BHBK

Norwood, MA

$2,241

105%

Sun Bancorp, Inc.

SNBC

Mount Laurel, NJ

$2,187

193%

Clifton Bancorp Inc.

CSBK

Clifton, NJ

$1,286

115%

Mean

3,640

145%

Median

3,705

135%

124%

133%

127%

162%

148%

145%

136%

135%

122%

214%

105%

193%

115%

50%

70%

90%

110%

130%

150%

170%

190%

210%

230%

KRNY

FFIC

DCOM

CNOB

OCFC

EBSB

NFBK

ORIT

PGC

BMTC

BHBK

SNBC

CSBK

Peer Median P/TBV: 135%