Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Ricketts Carlton A.
 2. Date of Event Requiring Statement (Month/Day/Year)
08/28/2012		 3. Issuer Name and Ticker or Trading Symbol
Capitol Federal Financial Inc [CFFN]
(Last)
(First)
(Middle)
C/O CAPITOL FEDERAL FINANCIAL, 700 KANSAS AVENUE		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Executive Vice President
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

TOPEKA, KS 66601		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
CFFN common stock 47,657
D
 
CFFN common stock 13,601
I
ESOP

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
CFFN Incentive Stock Option   (1) 10/19/2017 CFFN common stock 28,295 $ 14.19 D  
CFFN Incentive Stock Option   (2) 05/14/2022 CFFN common stock 33,584 $ 11.91 D  
CFFN Non-qualified Stock Option   (3) 05/14/2027 CFFN common stock 17,416 $ 11.91 D  
CFFN Phantom Stock 2010   (4) 12/31/2012 CFFN common stock 341 $ 13.89 D  
CFFN Phantom Stock 2011   (4) 12/31/2013 CFFN common stock 1,261 $ 11.91 D  
CFFN Phantom Stock 2012   (4) 12/31/2014 CFFN common stock 1,276 $ 11.54 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Ricketts Carlton A.
C/O CAPITOL FEDERAL FINANCIAL
700 KANSAS AVENUE
TOPEKA, KS 66601		       Executive Vice President  

Signatures

James D. Wempe, Power of Attorney 10/10/2012
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) All options are exercisable.
(2) 8,396 options vest on January 10, 2013, January 10, 2014, January 10, 2015 and January 10, 2016.
(3) 4,354 options vest on January 10, 2013, January 10, 2014, January 10, 2015 and January 10, 2016.
(4) Phantom stock units are acquired under the Company's Deferred Incentive Bonus Plan. The units are deemed sold and settled in cash approximately three years from date of acquisition.

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