Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN 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 *
TOWNSEND KENT G
   2. Issuer Name and Ticker or Trading Symbol
Capitol Federal Financial Inc [CFFN] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Executive Vice President
(Last)
(First)
(Middle)
C/O CAPITOL FEDERAL FINANCIAL, INC., 700 SOUTH KANSAS AVENUE		 3. Date of Earliest Transaction (Month/Day/Year)
12/31/2015
(Street)

TOPEKA, KS 66603		 4. If Amendment, Date Original Filed(Month/Day/Year)
 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 Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
CFFN common stock 12/31/2015   M   5,577 A $ 11.69 133,832 D  
CFFN common stock 12/31/2015   D   5,577 D $ 12.56 128,255 D  
CFFN common stock               70,015 I ESOP

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
CFFN phantom stock 2013 $ 11.69 12/31/2015   M     5,577 12/31/2015(1) 12/31/2015 CFFN common stock 5,577 $ 11.69 0 D  
CFFN Phantom Stock $ 12.56 12/31/2015   A   4,137   12/31/2018(1) 12/31/2018 CFFN Phantom Stock 4,137 $ 12.56 4,137 D  
CFFN phantom stock 2015 $ 12.78             12/31/2017 12/31/2017 CFFN common stock 4,436   4,436 D  
CFFN Non-qualified Stock Option $ 11.91               (2) 05/14/2027 CFFN common stock 56,416   56,416 D  
CFFN Incentive Stock Option $ 11.91               (3) 05/14/2022 CFFN common stock 33,584   33,584 D  
CFFN Non-qualified Stock Option $ 14.96               (4) 08/23/2020 CFFN common stock 13,804   13,804 D  
CFFN phantom stock 2014 $ 12.11             12/31/2016(1) 12/31/2016 CFFN common stock 3,731   3,731 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
TOWNSEND KENT G
C/O CAPITOL FEDERAL FINANCIAL, INC.
700 SOUTH KANSAS AVENUE
TOPEKA, KS 66603		       Executive Vice President  

Signatures

 James D. Wempe, Power of Attorney   01/05/2016
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(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) Phantom stock units are acquired under the Company's Deferred Incentive Bonus Plan. The units are deemed sold and settled in cash three years from date of acquisition.
(2) 14,104 options vest on January 10, 2013, January 10, 2014, January 10, 2015 and January 10, 2016.
(3) 8,396 options vest on January 10, 2013, January 10, 2014, January 10, 2015 and January 10, 2016.
(4) All options are exercisable.

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