Axos Financial Inc. Common Stock (AX)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business. Axos Financial is a U.S. bank and securities firm, taking deposits and making consumer and commercial loans. Banking is a commodity trade, so the moat usually comes from low-cost funding and disciplined underwriting; the provided data does not let me measure either directly. What I can see is decent profitability: FairStock calculates a 16.77% return on equity at the 2026-10-13 close, and the shares trade at 10.47 times earnings and 1.58 times book. For a bank earning that return, that is a fair-to-attractive price, not a bargain-bin one. Growth has been steady. In fiscal Q3 2026, the quarter ended 2026-03-31, net income was $124.7M and diluted EPS $2.15, versus $105.2M and $1.81 in fiscal Q3 2025. For FY2026 ended 2026-06-30, net income was $490.4M and diluted EPS $8.48, up from FY2025's $432.9M and $7.43. FairStock's Lynch category is STALWART—steady growth—citing 17.9% annual profit growth and 21.0% revenue growth over five years. The PEG of 0.81 supports the idea that price is reasonable relative to growth. But I cannot verify asset quality. The data lacks CET1, NIM, nonperforming loans, reserves and efficiency ratio. Piotroski is 5/9, neither strong nor weak. The filed revenue line ($81.3M for FY2026) is odd against $490.4M of net income, so I treat it cautiously. Overall: a decent, growing bank at a reasonable price, but not a Graham margin-of-safety situation until credit metrics are known.

In plain English: Axos Financial is a U.S. bank that takes deposits and makes loans to people and businesses, and it also runs a securities business. It makes solid profits and earns a good return on shareholders' money, and the stock looks fair to slightly cheap compared with those profits and the company's book value. But banks carry lending risk, and important safety details like capital strength and loan losses are not in the data, so the picture is not complete.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer