AX · Axos Financial, Inc.
$96.15
-1.51 (-1.55%)
At close · Aug 19
Market Cap
$5.56B
Shares
56.88M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$96.15
Open$97.93
Day$96.00–98.80
52W close$75.60–105.10
Avg vol 30d327K
Short int3.1M · 5.5% float · 8.2d
Short vol71%
Last earningsJul 30, 2026
DataJan 2020–Aug 2026
Filing10-Q · Apr 30
Up next
Next earnings call
Oct 29, 2026
Est · unconfirmed
· in 10 wks
FQ1-27 quarter ends
~Sep 30, 2026
Est
filed Apr 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
−1%
below
RSI (14)
43
neutral
MACD trend
Negative
52-week position
70%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
+1%
trailing
YTD return
+12%
this year
Relative strength
−11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $97 › 200d $90 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +51 funds added
Insider flow
Distributing
Net -$229.2K over 90 days · 100% sells
Short interest
Rising
5.48% of float · ▲ +1.5% MoM · 8.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
382 holders — near 3-yr high, broad support
Squeeze score
67
elevated · 0–100
Fundamentals
Revenue growth
+2%
Y/Y
EPS growth
−3%
Y/Y
Valuation
P/E 11.9
below peers
Buyback
$148.1M
remaining
Balance sheet
$1.6B
net cash
Quant / Vol
risk profile
Volatility
32%
annualized · 1-yr
Max drawdown
−19%
past year
ATR
2.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
annual
Annual tax rate
26% – 27%
in the next year
Organic loan growth
10% – 19%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2024
Net interest margin benefit from FDIC loan purchase
· remainder of fiscal year 2025
30% – 35%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
70%
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $97 › 200d $90 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +51 funds added
Insider flow
Distributing
Net -$229.2K over 90 days · 100% sells
Short interest
Rising
5.48% of float · ▲ +1.5% MoM · 8.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
382 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $76
Now $96 · 70%
Range high $105
vs 200-day avg +6%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings non-GAAP | $146.2M | Q4 FY2026 | — |
| Adjusted EPS non-GAAP | $8.74 | FY2026 | — |
|
|
|||
| Allowance for credit losses - loans to non-accrual loans | 221.07% | June 30, 2026 | — |
| Allowance for credit losses - loans to non-performing loans | 221.07% | June 30, 2026 | — |
| Allowance for credit losses - loans to total loans held for investment | 1.34% | June 30, 2026 | — |
| Assets under custody and/or administration at Axos Clearing LLC | 47.8B | Q4 FY2026 | — |
| Common equity tier 1 capital (to risk-weighted assets) - Axos Bank | 10.93% | June 30, 2026 | — |
| Common equity tier 1 capital (to risk-weighted assets) - Axos Financial, Inc. | 11.76% | June 30, 2026 | — |
| Efficiency ratio | 42.19% | Fiscal Year Ended June 30, 2026 | — |
| Efficiency ratio – Banking Business Segment | 43.1% | June 30, 2026 | — |
| Ending net loan balances | 25.6B | Q4 FY2026 | — |
|
|
|||
| Equity to assets at end of period | 10.57% | June 30, 2026 | — |
| Interest rate spread | 3.81% | June 30, 2026 | — |
| Net capital as a percentage of aggregate debit items | 27.42% | June 30, 2026 | — |
| Net change in loans | 637.9M | Q4 FY2026 | — |
| Net interest margin | 4.7% | Year Ended June 30, 2026 | — |
|
|
|||
| Net interest margin – Banking Business Segment | 4.56% | June 30, 2026 | — |
| Non-performing assets to total assets | 0.53% | Q4 FY2026 | — |
|
|
|||
| Nonaccrual loans to total loans | 0.6% | June 30, 2026 | — |
| Return on average assets | 1.9% | Fiscal Year Ended June 30, 2026 | — |
| Return on average common stockholders' equity | 15.69% | June 30, 2026 | — |
| Tangible book value non-GAAP | $2.89B | Q4 FY2026 | — |
| Tangible book value per common share non-GAAP | $50.96 | Q4 FY2026 | — |
| Tier 1 capital (to risk-weighted assets) - Axos Bank | 10.93% | June 30, 2026 | — |
| Tier 1 capital (to risk-weighted assets) - Axos Financial, Inc. | 11.76% | June 30, 2026 | — |
| Tier 1 leverage (to adjusted average assets) - Axos Bank | 9.24% | June 30, 2026 | — |
| Tier 1 leverage (to adjusted average assets) - Axos Financial, Inc. | 9.94% | June 30, 2026 | — |
| Total capital (to risk-weighted assets) - Axos Bank | 12.1% | June 30, 2026 | — |
| Total capital (to risk-weighted assets) - Axos Financial, Inc. | 14.39% | June 30, 2026 | — |
| Total deposits | 24.6B | Q4 FY2026 | — |
| Total number of deposit accounts | 699,570 | At June 30, 2026 | — |
| Allowance for credit losses to total non-accrual loans | 195.2% | Three Months Ended March 31, 2026 | — |
| Net annualized charge-offs to average loans | 4 | Three Months Ended December 31, 2025 | — |
| Net new assets under custody | 937.7M | Three Months Ended December 31, 2025 | — |
| Total assets under custody and/or administration | 44.4B | As of December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
AX
this stock
Axos Financial, Inc.
|
$5.56B | +11.6% | +1.8% | 11.9 | 5.5% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
USB
US Bancorp De
|
$100.95B | +17.7% | +4.4% | 12.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AX | -4.0% | -1.0% | +0.9% | -5.2% | +11.6% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -3.5% | -3.9% | -10.7% | -8.1% | -1.2% |
Capital returns
Buyback program
· as of Mar 31, 2026
Authorized
—
Spent (derived)
—
Remaining
$148.10M
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1299709
CUSIP
05465C100
13F (30d)
350 filings
344 filers
Visit website
Investor relations