Axos Financial, Inc.

NYSE•AX

CEO: Mr. Gregory Garrabrants C.F.A., J.D.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2005-03-16

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers various investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

Contact Information

9205 West Russell Road, Suite 400, Las Vegas, NV, 89148, United States

858-649-2218

investors.axosfinancial.com/corporate-profile/default.aspx

Market Cap

$4.82B

P/E (TTM)

10.6

12.7

Dividend Yield

52W High

$101.92

52W Low

$54.46

52W Range

65%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q2 2026 Data

Revenue

$562.94M+17.39%

4-Quarter Trend

EPS

$2.27+24.04%

4-Quarter Trend

FCF

$85.42M-45.39%

4-Quarter Trend

2026 Q2 Earnings Highlights

Key Highlights

Net Income Shows Strong Growth Six-month net income reached $240.75M, an 11.4% increase year-over-year, driven by higher net interest income.

Asset Base Expanded via Acquisition Total assets grew 13.8% to $28.20B since June 30, 2025, primarily due to the September 30, 2025 acquisition of Verdant.

Asset Quality Significantly Improved Non-performing loan ratio sharply decreased to 0.61% at period end, down from 1.26% six months prior.

NII Rises Despite Margin Pressure Six-month Net Interest Income increased 8.8% to $622.76M; Net Interest Margin compressed 15 basis points to 4.85%.

Risk Factors

Credit Provisioning Increased Provision for credit losses rose 61% to $42.26M for six months, reflecting loan growth and post-acquisition provisioning.

Net Interest Margin Compression NIM declined 15 basis points year-over-year to 4.85%, reflecting lower yields on earning assets relative to funding costs.

Acquisition Integration Expenses Non-interest expense increased significantly due to $16.2M in depreciation/amortization related to the Verdant equipment leases.

Pending Litigation Exposure Three putative class action lawsuits remain pending; management does not currently expect an ultimate material adverse effect.

Outlook

Sustained Integration Costs Expect elevated non-interest expenses, particularly depreciation and amortization, due to ongoing integration of acquired assets.

Capital Adequacy Maintained Company and Bank remain 'well capitalized' under Basel III rules; may need to raise capital to support future growth.

Favorable Credit Outlook Lower average loan portfolio LTV suggests potential for future lower mortgage loan charge-offs compared to many peer banks.

Hedge Gains Recognition Approximately $2.0 million of pre-tax net gain from cash flow hedges recorded in AOCI is expected to hit income next 12 months.

Peer Comparison

Revenue (TTM)

AVAL

$9.70B

+6.1%

FLG

$4.74B

-25.8%

WBS

$4.42B

+5.8%

Gross Margin (Latest Quarter)

IBOC

78.6%

+3.1pp

FFIN

76.2%

+2.4pp

HWC

75.6%

+5.9pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
WBS	$11.19B	11.1	10.7%	5.1%
UBSI	$5.77B	12.5	8.6%	2.7%
IFS	$5.58B	10.1	16.3%	12.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

6.8%

Steady Growth

4Q Net Income CAGR

6.9%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 28, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data