-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 AqvZBTj1H+IS+kTNjYmjQhxJCJeHbSeOmXu3aU56JtMUoTSD64D8krwDDTEwo0m6
 qmOE3ilDVqK/I/D78UoHag==

<SEC-DOCUMENT>0001074433-06-000001.txt : 20060103
<SEC-HEADER>0001074433-06-000001.hdr.sgml : 20060102
<ACCEPTANCE-DATETIME>20060103140738
ACCESSION NUMBER:		0001074433-06-000001
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20051230
FILED AS OF DATE:		20060103
DATE AS OF CHANGE:		20060103

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			TOWNSEND KENT G
		CENTRAL INDEX KEY:			0001220300

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25391
		FILM NUMBER:		06501644

	BUSINESS ADDRESS:	
		STREET 1:		C/O CAPITOL FEDERAL FINANCIAL
		STREET 2:		700 KANSAS AVENUE
		CITY:			TOPEKA
		STATE:			KS
		ZIP:			66603
		BUSINESS PHONE:		7852351341

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CAPITOL FEDERAL FINANCIAL
		CENTRAL INDEX KEY:			0001074433
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				481212142
		FISCAL YEAR END:			0930

	BUSINESS ADDRESS:	
		STREET 1:		700 KANSAS AVENUE
		CITY:			TOPEKA
		STATE:			KS
		ZIP:			66601
		BUSINESS PHONE:		7852351341

	MAIL ADDRESS:	
		STREET 1:		700 KANSAS AVENUE
		CITY:			TOPEKA
		STATE:			KS
		ZIP:			66601
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2005-12-30</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001074433</issuerCik>
        <issuerName>CAPITOL FEDERAL FINANCIAL</issuerName>
        <issuerTradingSymbol>CFFN</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001220300</rptOwnerCik>
            <rptOwnerName>TOWNSEND KENT G</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1></rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity></rptOwnerCity>
            <rptOwnerState></rptOwnerState>
            <rptOwnerZipCode></rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Executive Vice Pres &amp; CFO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>33910</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>25</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>Custodian for Son</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>10969</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>ESOP</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial Incentive Stock Option 8/23/2005</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>33.88</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2015-08-23</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>14755</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>14755</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Capitol Federal Fin Non-Qualified Stock Option (08/23/05</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>33.88</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>2020-08-23</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>15245</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>15245</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial Incentive Stock Option(04/18/2000)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.22</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <value>2010-04-18</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>11991</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>11991</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Capitol Federal Fin Non-Qualified Stock Option (04/18/2000)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.22</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F4"/>
            </exerciseDate>
            <expirationDate>
                <value>2015-04-18</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1155</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1155</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial Phantom Stock 2003</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>28.8</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F5"/>
            </exerciseDate>
            <expirationDate>
                <value>2006-01-25</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>742</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>742</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Capitol Federal Financial Phantom Stock 2004</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>36.07</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F5"/>
            </exerciseDate>
            <expirationDate>
                <value>2007-01-25</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>157</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>157</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeTransaction>
            <securityTitle>
                <value>Capitol Federal Financial 2006</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>32.94</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2005-12-30</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>790</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>32.94</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F5"/>
            </exerciseDate>
            <expirationDate>
                <value>2009-01-25</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Capitol Federal Financial Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>790</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>790</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">A total of 2,951 options will vest of each of the following dates; August 23, 2006, August 23, 2007, August 23, 2008, August 23, 2009 and August 23, 2010.</footnote>
        <footnote id="F2">A total of 3,049 options will vest on each of the following dates, August 23, 2006, August 23, 2007, August 23, 2008, August 23, 2009 and August 23, 2010.</footnote>
        <footnote id="F3">10,845 options vested on each of the following dates; April 18, 2000, April 18, 2001, April 18, 2002, April 18, 2003 and April 18, 2004.</footnote>
        <footnote id="F4">1,155 options vested on each of the following dates; April 18, 2000, April 18, 2001, April 18, 2002, April 18, 2003 and April 18, 2004.</footnote>
        <footnote id="F5">Phantom stock units were acquired under the Company's Deferred Incentive Bonus Plan.  The units are deemed sold and settled in cash in three years from date of acquisition.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>James D. Wempe, Power of Attorney</signatureName>
        <signatureDate>2006-01-03</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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