Axos Financial (AX)
Provides digital banking, specialized lending, securities clearing, custody, and investing services.
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Provides nationwide digital banking, deposits, and consumer and commercial lending, while earning additional fees from securities clearing, custody, and digital investing. Most of the business sits in banking, tying results to lending spreads, deposit funding, credit performance, and financial-services regulation.
Provides consumer and business banking nationwide through digital channels, affinity partners, and specialized lending teams. Deposit products include checking, savings, and time accounts; lending spans single-family and multifamily mortgages, commercial real estate, commercial and industrial credit, specialty finance, auto loans, and other consumer credit. The Banking Business remains the larger of two operating segments.
Extends the platform through Axos Clearing, Axos Advisor Services, and Axos Invest, which provide clearing, custody, margin and securities lending, self-directed trading, and digital investment advice. Revenue comes primarily from the spread between interest earned on loans and interest paid on deposits and borrowings, supplemented by asset-, transaction-, and service-based fees. Results depend on funding costs, credit performance—particularly in real-estate and commercial lending—and compliance with bank, consumer-finance, broker-dealer, and investment-adviser regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 31, 2026 | D.A. Davidson | Target | Target: $112 | Target: $121 |
| Jul 31, 2026 | Needham | Reiterate | Rating: —Target: $110 | Target: $128 |
| Jul 8, 2026 | Benchmark | Initiate | Rating: — | |
| Apr 7, 2026 | Raymond James | Upgrade | ||
| Jan 30, 2026 | DA Davidson | Reiterate | Rating: —Target: $107.50 | Target: $112 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.16B · Total debt $1.07B · Total assets $29.96B · Shareholders' equity $3.17B
- Revenue
- $569.5M
- Operating income
- $156.0M
- Net income
- $124.9M
No dividends on record.
| Institutions | 86.55% | 49.11M shares | |
|---|---|---|---|
| 396 holders · as of Jun 30, 2026 | |||
| Insiders | 1.49% | 843.9K shares | |
| 22 holders · as of Sep 16, 2026 | |||
| Other | 11.96% | 6.79M shares | |
| remainder | |||
56.73M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.79% | 8.39M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.53% | 3.14M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.33% | 3.02M | as of Jun 30, 2026 |
FMR LLCInstitution | 5.23% | 2.97M | as of Jun 30, 2026 |
American Century Companies IncInstitution | 4.77% | 2.71M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Feb 17, 2026 | Mosich Nick | director | −1,275 | $98.00 |
| Aug 5, 2026 | Roque A. Santi | director | −500 | $105.30 |
| Jun 8, 2026 | Thomas M. Constantine | other: EVP, Chief Credit Officer | −1,994 | $88.55 |
| May 19, 2026 | Michael James Watson | other: EVP, Head of Axos Securities | −1,653 | $83.77 |
| May 8, 2026 | Roque A. Santi | director | −500 | $87.77 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Axos Financial | $90.14 | −0.54% | $5.16B | 10.7 | 9.3 | 2.4 | +18.1% |
| Ally Financial | $39.65 | −0.60% | $12.13B | 9.4 | 6.6 | 0.8 | −0.3% |
| Charles Schwab | $100.59 | −5.89% | $185.88B | 19.4 | 13.9 | 6.2 | +20.9% |
| SoFi | $17.28 | +1.83% | $21.77B | 35.4 | 23.6 | 3.9 | +41.0% |
| Interactive Brokers | $91.14 | −2.22% | $161.07B | 37.3 | 31.1 | 14.5 | +31.9% |
| LendingClub | $19.21 | +2.13% | $2.22B | 11.6 | 9.8 | 1.8 | −15.9% |
| First Internet Bancorp | $27.39 | −0.80% | $240.7M | — | 6.7 | 0.8 | +28.3% |
| Customers Bancorp | $78.50 | −0.47% | $2.67B | 9.6 | 8.7 | 1.8 | +12.4% |
| Median | 15.5 | 9.8 | 1.8 | +20.9% |