Axos Financial, Inc. (AX)

Over the past six months, Axos Financial's stock price has experienced volatility. As of October 9, 2025, the share price was $83.37, a significant increase from $60.41 on October 10, 2024. Around October 20, 2025, the share price dropped over 13% due to investor worries about regional bank loan quality, despite no direct disclosures from Axos Financial. The company has shown impressive longer-term momentum, with a 1-year total shareholder return of nearly 18% and a 119% return over three years. On July 30, 2025, Axos Financial, Inc. announced its fourth-quarter fiscal year 2025 results. On July 1, 2025, the company noted an estimated 3% reduction in its effective tax rate for fiscal years ending June 30, 2026, and thereafter, due to a change in California tax law. In September 2025, the NYSE welcomed Axos Financial to celebrate its 25th anniversary.

The provided information does not contain specific details about the demand seasonality for Axos Financial, Inc.'s products and services. Demand for certain services might be influenced by broader economic cycles, interest rate changes, and consumer/business spending patterns. Mortgage demand can be seasonal, often peaking in warmer months, while tax-related financial planning might see increased activity around tax deadlines.

Axos Financial, Inc. is a diversified financial services company (NYSE: AX) operating in the Financials sector, specifically within the Regional Banks industry, serving retail and business customers across the United States by providing digital banking, securities clearing, and investment advisory solutions. It is the holding company for Axos Bank, Axos Clearing LLC, and Axos Invest, Inc. Its major products and services include consumer banking (checking accounts, savings accounts, CDs, mortgages, personal loans, auto loans, and marine loans), business banking (business checking and savings accounts, treasury management, equipment finance, lender finance, small balance commercial real estate, residential warehouse lending, commercial real estate bridge & construction lending, and services for third-party payment processors), securities clearing services (provided to introducing broker-dealers and registered investment advisor correspondents through Axos Clearing LLC), and digital investment advisory services (offered to retail investors via Axos Invest, Inc.).

Axos Financial, Inc. provides its consumer and business banking products and services nationwide through its low-cost distribution channels and affinity partners.

In the past year, Axos Financial, Inc. and its subsidiary Axos Bank have received positive recognition. In October 2025, Axos Financial, Inc. was named to Fortune's Top 100 Fastest-Growing Companies, and Axos Bank was named MONEY's Best Banks for 2025. Earlier in May 2024, USA TODAY Blueprint recognized Axos Bank on multiple "Best Of" lists, including Best Checking Account, Best Business Bank Account, and Best Personal Loan. Axos Bank was also named to the 2024 Forbes America's Best Banks list. NerdWallet rated Axos ONE® Checking highly for ATM access, noting its fee-free network and fee reimbursements.

Axos Financial, Inc. has significant institutional ownership, with 728 institutional owners holding approximately 80% of the company. Major institutional owners include BlackRock, Inc. (14% ownership), Vanguard Group Inc. (10% ownership), State Street Corp (approximately 4.7% ownership), iShares Core S&P Small-Cap ETF, American Century Companies Inc., Dimensional Fund Advisors Lp, Geode Capital Management, Llc, and Davis Asset Management, L.P. Individual ownership accounts for about 15% of the company, and Gregory Garrabrants, the CEO, directly holds 3.2% of the total shares outstanding.