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Axos Financial, Inc.

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
$4.40B
P/E (TTM)
10.2
13.8
Dividend Yield
--
52W High
$93.84
52W Low
$54.46
52W Range
60%
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: 2015-2024

Financial Dashboard

Q1 2026 Data

Revenue

$465.74M-8.42%
4-Quarter Trend

EPS

$1.99+1.01%
4-Quarter Trend

FCF

$118.43M+123.38%
4-Quarter Trend

2026 Q1 Earnings Highlights

Key Highlights

Verdant Acquisition Closed Completed all-cash acquisition of Verdant on 9/30/2025, boosting total assets to $27.43B and deposits to $22.26B.
NIM Compression Noted NIM fell 41 basis points to 4.80% year-over-year, driven by lower yields on loans and deposits in other institutions.
Stable Net Income Reported Q3 Net Income remained stable at $112.4M ($1.94 diluted EPS), despite acquisition costs impacting the expense structure.
Asset Quality Improvement Nonaccrual loans ratio improved to 0.74% from 0.89% year-over-year, though provisions rose due to acquired credit risk.

Risk Factors

NIM Pressure Continues Lower interest income on assets, driven by rate environment, compressed NII by $1.0 million compared to prior year.
Acquisition Integration Costs Non-interest expense rose 6.0% to $156.2M, reflecting higher professional services and integration costs related to Verdant.
Credit Loss Provision Increase Provision for credit losses rose to $17.3M, primarily reflecting post-acquisition provisioning for acquired Purchased Credit Deteriorated (PCD) loans.
Capital Ratio Decline CET1 capital ratio decreased to 11.66% from 12.52% year-over-year, though remaining significantly above regulatory minimums.

Outlook

Strong Financing Inflow Financing cash flow increased significantly to $1.62B, driven by deposit growth and $200.0M subordinated note issuance.
Non-Interest Income Boost Increased non-interest income by $3.7M, supported by higher BOLI income and favorable servicing rights fair value adjustments.
Capital Adequacy Maintained Management believes capital levels are adequate but may raise additional capital to support the Company's and Bank's further growth.
Litigation Exposure Monitored Ongoing UFB Direct litigation is not expected to have a material adverse effect on operations, financial position, or cash flows.

Peer Comparison

Revenue (TTM)

Grupo Aval Acciones y Valores S.A.AVAL
$6.05B
+111.4%
Flagstar Financial, Inc.FLG
$4.35B
-33.4%
Hancock Whitney CorporationHWC
$2.01B
+0.8%

Gross Margin (Latest Quarter)

Intercorp Financial Services Inc.IFS
100.0%
-49.5 pp
Flagstar Financial, Inc.FLG
78.0%
+54.9 pp
International Bancshares CorporationIBOC
77.9%
+1.1 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
UBSI$5.07B11.88.1%2.4%
AVAL$5.01B12.48.9%20.5%
ABCB$4.91B48.22.6%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.0%
Flat Growth
4Q Net Income CAGR
+2.4%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-Q - Q1 2026

    Period End: Sep 30, 2025|Filed: Oct 30, 2025|
    Revenue: $465.74M-8.4%
    |
    EPS: $1.99+1.0%
    Beat

  • Form 10-K - FY 2025

    Period End: Jun 30, 2025|Filed: Aug 21, 2025|
    Revenue: $1.93B+9.2%
    |
    EPS: $7.61-2.7%
    Beat

  • Form 10-Q - Q3 2025

    Period End: Mar 31, 2025|Filed: Apr 30, 2025|
    Revenue: $461.92M-2.2%
    |
    EPS: $1.84-5.2%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Dec 31, 2024|Filed: Jan 28, 2025|
    Revenue: $479.57M+14.1%
    |
    EPS: $1.83-30.9%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Sep 30, 2024|Filed: Oct 30, 2024|
    Revenue: $508.56M+28.9%
    |
    EPS: $1.97+40.7%
    Beat

  • Form 10-K - FY 2024

    Period End: Jun 30, 2024|Filed: Aug 22, 2024|
    Revenue: $1.77B+39.8%
    |
    EPS: $7.82+51.8%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Mar 31, 2024|Filed: Apr 30, 2024|
    Revenue: $472.27M+40.5%
    |
    EPS: $1.94+45.9%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Dec 31, 2023|Filed: Jan 30, 2024|
    Revenue: $420.45M+38.2%
    |
    EPS: $2.65+94.9%
    Beat