AX at a glance
Axos Financial, Inc. (AX, SEC CIK 1299709) filed its latest 10-K annual report on August 20, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on September 21, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended June 30, 2026 (FY2026), Axos Financial, Inc. (AX) reported revenue of $81.3 million (up 23.5% from FY2025) and net income of $490.4 million. Diluted EPS was $8.48.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding Axos Financial, Inc. (AX) shares worth $2.7 billion in 13F-HR filings.
- In the last 90 days, AX insiders reported 0 open-market purchases ($0) and 1 open-market sale ($53K) on Form 4, a net sale of $53K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $81.3M
- +23.5% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$53K
- 13F holders
- 29 funds
- $2.7B · −2 vs prior quarter
- Latest 8-K
- Sep 21, 2026
- Item 2.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Jun 30, 2026
Risk Factors
- Regulatory risk from US Treasury FinCEN enforcement of Bank Secrecy Act/AML laws, potential fines and restrictions on dividends or acquisitions
- Macroeconomic risk of California and New York real estate downturns impacting 70.9% of real estate loan portfolio value at 6/30/26, increasing loan defaults
- Supply chain/operational risk from reliance on third-party domestic and international vendors, risks of service disruptions and geopolitical instability
- Competitive risk from FinTechs and large internet-based banks eroding deposits and fee income, requiring continued tech innovation and customer acquisition
- Financial risk from key-person dependency on senior management like CEO Gregory Garrabrants, risking disruption if such executives depart unexpectedly
Business Overview
- Technology-driven financial services with $30.0B assets; digital banking, clearing, custody, and investment advisory solutions
- Emphasis on digital and scalable deposit-gathering via online, mobile, and affinity partner channels
- Bank assets under custody/administration at Axos Clearing increased to $47.8B, expanding institutional custody services
- Employee base at 2,191 full-time, no union representation, with investments in talent development and tech tools
- Fully phased-out CECL capital adjustments as of July 1, 2025; capital ratios exceed "well-capitalized" minimums at June 30, 2026
Management Discussion & Analysis
- Revenue: Net interest income $1,246.9M up 10.5% YoY; Non-interest income $233.6M up 78.2% YoY; Total deposits $24.6B up 18%; Loans net $25.6B up 21.6% YoY
- Profitability: Net income $490.4M up 13.3% YoY; Diluted EPS $8.48 vs $7.43; Adjusted EPS $8.74 vs $7.50; Operating margin (Income before tax / Revenue approx.) 33.9% vs 32.9%
- Segment performance: Banking Segment income before tax $697.3M (+10.5%), Securities Segment $15.4M (-53.3%); Banking net interest income $1.23B; Securities net interest income $35.7M
- Cash flow & Capital: Share repurchases $22.0M common stock; Dividends not specified; Capital expenditures include $125M commercial office purchase; Tier 1 leverage 9.94% (Company), 9.24% (Bank)
- Outlook / Risks: Management sees stable liquidity; Acquisition-driven growth including Verdant, Jenius deposits; Key risk from credit losses, provision up $37.6M YoY; Effective tax rate lowered to 24.17% from 29.42%
AI summary of the AX 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Deposits $22.4B, up $1.6B or 7.5% from June 30, 2025
- Non-performing assets $181.1M vs $175.4M, while ratio declined to 0.62% from 0.71%
- Available-for-sale securities $801.4M vs $66.0M, including $758.8M purchases
- Nine-month operating cash inflow $264.6M vs $307.0M; investing outflow $4.3B
- Liquidity viewed stable and adequate; approximately 85% of Bank deposits insured or collateralized
Risk Factors
- No material changes identified; filing directs readers to 2025 Form 10-K risk factors
- No newly added risk factor disclosed for the quarter
- No updated regulatory, legal, or compliance risk described
- No specific operational, competitive, market, liquidity, debt, currency, or concentration risk quantified in provided text
AI summary of the AX 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.01: Completion of Acquisition or Disposition of Assets
- Axos Bank completed acquisition of approximately $1.9 billion in IRA deposits from Capital One on September 21, 2026
- Transaction adds IRA savings and certificate-of-deposit funding, supporting deposit growth and liquidity
Item 7.01: Regulation FD Disclosure
- Investor presentation for meetings beginning around August 11, 2026 and continuing over subsequent months
- Materials dated August 6, 2026, with no obligation for Axos Financial to provide future updates
Item 2.02: Results of Operations and Financial Condition
- Fiscal Q4 results cover the period ended June 30, 2026
- Earnings release issued July 30, 2026
AI summaries of AX 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for AX
Don't miss the next AX filing
- Alerts as it files. A push when AX files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut AX, by share count.
- Ask anything. An AI agent that reads every AX filing and answers with sources.
AX alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Constantine Thomas M | D | Sep 15, 2026 | 2,102 | $92.68 |
| Bar-Adon Eshel | M | Sep 15, 2026 | 3,629 | $92.68 |
| GILL ANN | A | Sep 15, 2026 | 1,295 | - |
| Constantine Thomas M | M | Sep 15, 2026 | 3,905 | $92.68 |
| Constantine Thomas M | A | Sep 15, 2026 | 2,806 | - |
| Constantine Thomas M | M | Sep 15, 2026 | 3,905 | - |
| GILL ANN | D | Sep 15, 2026 | 884 | $92.68 |
| GILL ANN | M | Sep 15, 2026 | 1,643 | $92.68 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $64.6M | $65.8M | $81.3M | |
| Net Income | $450.0M | $432.9M | $490.4M | |
| Net Margin | 696.2% | 658.0% | 603.5% | |
| Balance Sheet | ||||
| Total Assets | $22.9B | $24.8B | $30.0B | |
| Equity | $2.3B | $2.7B | $3.2B | |
| ROE | 19.6% | 16.1% | 15.5% | |
| Per Share | ||||
| EPS | $7.66 | $7.43 | $8.48 | |
| Cash Flow | ||||
| Operating CF | $305.5M | $490.3M | $557.6M | |
Source: XBRL data in Axos Financial, Inc. (AX)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate AX share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $2.74B |
| Q1 2026 | 31 | $2.29B |
| Q4 2025 | 29 | $2.22B |
| Q3 2025 | 30 | $2.19B |
| Q2 2025 | 30 | $1.90B |
| Q1 2025 | 27 | $1.12B |
| Q4 2024 | 24 | $1.18B |
| Q3 2024 | 21 | $641.7M |
- FMR LLC (Fidelity)+531.6K (+22%)
- Citadel Advisors LLC+307.0K (+446%)
- State Street Corp+207.2K (+7%)
- Goldman Sachs Group+99.7K (+28%)
- Invesco Ltd+71.3K (+13%)
- Ameriprise Financial−54.1K (-8%)
- Bank of America Corp−52.9K (-24%)
- Prudential Financial−41.2K (-34%)
- Franklin Resources−40.5K (-5%)
- AQR Capital Management−32.9K (-14%)
- Allstate+16.8K
- Two Sigma Investments−31.6K
- D.E. Shaw & Co−12.8K
- Mangrove Partners−4.2K
Source: 13F-HR filings on SEC EDGAR (aggregated from 221 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
AX filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 21, 2026 | - | Analysis | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 10-K | Aug 20, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 7, 2026 | - | - | - |
| SC 13G | Aug 7, 2026 | - | - | |
| SC 13G | Aug 6, 2026 | - | - | |
| 8-K | Aug 6, 2026 | - | Analysis | - |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 8-K | Jul 7, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jun 9, 2026 | - | - | |
| 8-K | Jun 9, 2026 | - | Analysis | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 14, 2026 | - | - | |
| 4 | May 12, 2026 | - | - |
Related Financials companies
- BKU · BankUnited, Inc.Savings Institution, Federally Chartered
- BCBP · BCB BANCORP INCSavings Institution, Federally Chartered
- BVFL · BV Financial, Inc.Savings Institution, Federally Chartered
- CFFN · Capitol Federal Financial, Inc.Savings Institution, Federally Chartered
- CZWI · Citizens Community Bancorp Inc.Savings Institution, Federally Chartered
- CLBK · Columbia Financial, Inc.Savings Institution, Federally Chartered
- EBC · Eastern Bankshares, Inc.Savings Institution, Federally Chartered
- FMAO · FARMERS & MERCHANTS BANCORP INCSavings Institution, Federally Chartered
AX SEC filings: frequently asked questions
Are AX insiders buying or selling?
In the last 90 days, Axos Financial, Inc. (AX) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $52,650 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold AX stock?
As of June 30, 2026, the largest Axos Financial, Inc. (AX) holders among the 13F filers tracked by SignalX were BlackRock ($817.1 million), Vanguard Portfolio Management LLC ($305.5 million), State Street Corp ($294.5 million), FMR LLC (Fidelity) ($289.2 million), Vanguard Capital Management LLC ($240.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was AX's revenue in fiscal year 2026?
For the fiscal year ended June 30, 2026 (FY2026), Axos Financial, Inc. (AX) reported revenue of $81.3 million (up 23.5% from FY2025) and net income of $490.4 million. Diluted EPS was $8.48. The figures come from the XBRL data in the 10-K.
What are the main risks in AX's latest 10-K?
In the 10-K filed August 20, 2026, Axos Financial, Inc. (AX) flagged: Regulatory risk from US Treasury FinCEN enforcement of Bank Secrecy Act/AML laws, potential fines and restrictions on dividends or acquisitions. Macroeconomic risk of California and New York real estate downturns impacting 70.9% of real estate loan portfolio value at 6/30/26, increasing loan defaults. (AI summary of the Risk Factors section.)
What did AX report in its latest 8-K?
Axos Financial, Inc. (AX) filed an 8-K on September 21, 2026 reporting Item 2.01 (Completion of Acquisition or Disposition of Assets). Axos Bank completed acquisition of approximately $1.9 billion in IRA deposits from Capital One on September 21, 2026.
What are the latest AX SEC filings?
Axos Financial, Inc. (AX) filed its latest 10-K annual report on August 20, 2026, a 10-Q quarterly report on April 30, 2026, an 8-K current report on September 21, 2026 and a Form 4 insider filing on September 16, 2026.
What is AX's SEC CIK number?
Axos Financial, Inc. (AX)'s SEC Central Index Key (CIK) is 1299709. EDGAR lists every AX filing under that number.
Ask anything about AX
The research agent reads AX's filings, financials, insider trades and 13F holders, then answers with sources.