Axos Financial (BB4) Price & Analysis
BB4 Stock Chart & Stats
- Day’s Range
- EUR 83.00 - EUR 83.50
- 52-Week Range
- EUR 64.50 - EUR 91.50
- Previous Close
- EUR 81.50
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 4.57B
- Enterprise Value
- EUR 4.26B
- Total Cash (Recent Filing)
- EUR 2.66B
- Total Debt (Recent Filing)
- EUR 1.15B
- Price to Earnings (P/E)
- 10.1
- Beta
- 0.55
- Next Earnings
- Jan 28, 2027
- EPS Estimate
- 2.12
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Scaled Growth And Profitability
Axos has expanded revenue substantially while maintaining healthy profitability and returns on equity. This combination indicates meaningful operating scale and earnings power, giving the company resources to reinvest in technology, lending capacity, and customer acquisition over the next several quarters.
Broad Lending And Deposit Growth
A sizable, diversified lending pipeline and expected double-digit loan growth provide a visible avenue for continued asset and interest-income expansion. Deposit growth and migration opportunities also support funding capacity, allowing Axos to pursue growth across commercial, consumer, and specialty lending.
Diversified Banking And Fee Platform
Growth in fee income, securities services, custody, and banking technology broadens Axos beyond traditional interest spreads. This mix can improve revenue resilience across rate environments while acquisitions and platform capabilities create opportunities for cross-selling and recurring client activity.
Bears Say
Net Interest Margin Pressure
Near-term margin expansion is constrained because newly acquired deposits temporarily sit in lower-earning assets, while deposit repricing may absorb future rate benefits. If this pressure persists, it could limit earnings growth even as loans and deposits continue expanding.
Higher Credit Losses
The recent C&I losses show that rapid commercial lending growth can produce borrower-specific credit volatility. Although the issue involved two loans, higher charge-offs and provisions could reduce earnings, require additional reserves, and make future growth more capital-intensive.
Persistent Expense Pressure
Ongoing spending on marketing, acquisitions, technology, and infrastructure may prevent revenue growth from translating fully into operating leverage. Elevated costs and a relatively high efficiency ratio could weigh on margins and constrain the pace of sustained earnings improvement.
Axos Financial News
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Axos Financial Stock Smart Score
Company Description
Axos Financial
Founded in Las Vegas, Nevada, in 1999, Axos Financial, Inc. is a U.S.-based financial institution that delivers a comprehensive array of banking services to both individual consumers and businesses. The company operates through two primary divisions: its core Banking Business and its Securities Business. For deposits, Axos provides a broad spectrum of options including checking, savings, demand, money market, and time deposit accounts, alongside specialized products such as zero balance and insured cash sweep accounts. Its diverse lending portfolio encompasses various mortgage types, such as single-family, multi-family, and commercial real estate-backed loans. They also extend commercial and industrial loans, comprising non-real estate, asset-backed, term loans, and lines of credit. Consumer lending encompasses automobile loans, fixed-rate unsecured loans, and unique offerings such as structured settlements, Small Business Administration (SBA) loans, and securities-backed financing. Beyond its core banking activities, Axos provides extensive services, including ACH origination, wire transfers, commercial check printing, and tools for business bill payment and account transfers. Digital solutions such as remote and mobile deposit, lockbox services, merchant payment processing, and online payment portals are readily available. Clients benefit from concierge banking, mobile and text message banking, diverse payment services, and access to debit cards, credit cards, and digital wallets. In its Securities Business, Axos facilitates disclosed clearing services and comprehensive back-office support. This encompasses record keeping, trade reporting, accounting, general administrative support, securities and margin lending, reorganization assistance, and the secure custody of securities. The company also offers financing solutions to its brokerage clients. The institution, previously known as BofI Holding, Inc., adopted its current name, Axos Financial, Inc., in September 2018.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Gregory Garrabrants
- Employees
- 2,191
- Website
- investors.axosfinancial.com
- Address
- 9205 West Russell Road, Las Vegas, NV, 89148, US
Axos Financial (BB4) Earnings & Revenues
BB4 Company Deck
BB4 Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive, with strong year-over-year growth in earnings, net interest income, non-interest income, deposits and several lending businesses; a robust pipeline; successful acquisition integration opportunities; strong capital ratios; and continued investment in AI and technology. The primary challenges were elevated charge-offs and credit provisions, near-term margin pressure from excess Capital One liquidity and deposit repricing, higher underlying expenses, loan payoffs and syndication-related balance effects, and ongoing disruption in parts of the multifamily market.
View all DE:BB4 earnings summariesBB4 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 3 | 5 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 12 | 0 | 0 |