Axos Financial (BB4) AI Stock Analysis
Axos Financial
(Stuttgart:BB4)
No summary available
Axos Financial (BB4) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 5.14B
- Dividend Yield
- ―
- Average Volume (3M)
- 200
- Price to Earnings (P/E)
- 10.1
- Beta (1Y)
- 0.55
- Revenue Growth
- 11.87%
- EPS Growth
- 11.60%
- Country
- Germany
- Employees
- 2,191
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Axos Financial Business Overview & Revenue Model
Company Description
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:...
Axos Financial Earnings Call Summary
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.
Q1-2027 Updates
Positive Updates
Negative Updates
Company Guidance
Management expects loan growth in the low to mid-teens on an annual basis in fiscal 2027 and targets low to mid-teen organic loan growth in the fiscal year ending June 30, 2027, excluding any potential acquisitions; loan growth is expected to accelerate from the Q1 2027 levels, supported by an approximately $2.8 billion pipeline comprising $782 million of single-family residential jumbo mortgage, $30 million of SFR gain on sale, $195 million of multifamily and small balance commercial, $71 million of auto and consumer, and $1.7 billion of commercial loans. Capital call balances are expected to resume growth in the December quarter, the majority of excess liquidity from the Capital One deposits is expected to be deployed by the end of calendar 2026, and approximately $700 million of deposit balances from Arc's clients held at partner banks are expected to migrate to Axos over the next few quarters. Net interest margin is expected to stay flat over the next few quarters, with the full quarter of the 25 basis point September Fed rate hike largely offset by a full quarter of excess liquidity from the Capital One deposits in the quarter ended December 31, 2026; in the March 2027 quarter and beyond, the lag in deposit repricing is expected to counter a significant component of the margin benefits from the next few potential rate hikes. The loan loss reserve is expected to remain in the 1.1% to 1.2% of total loans and leases range, personnel plus professional fees growth remains capped at 30% as a percentage of revenue growth, average expense growth is expected to remain in the $3 million to $5 million a quarter range absent any other acquisitions or onetime anomalies, and advertising and marketing expense is expected to stay elevated.
Axos Financial Risk Analysis
Axos Financial disclosed 51 risk factors in its most recent earnings report. Axos Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
1 New RiskAxos Financial Peers Comparison
Overall Rating
CUBI70Outperform
CASH69Neutral
LOB68Neutral
TBBK68Neutral
WAL67Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CUBI | 70Outperform | $2.81B | 9.85 | 13.59% | ― | 8.29% | 67.64% |
| CASH | 69Neutral | $1.56B | 9.21 | 20.79% | 0.27% | -0.51% | 3.26% |
| LOB | 68Neutral | $1.60B | 12.14 | 10.67% | 0.35% | 8.59% | 88.76% |
| TBBK | 68Neutral | $1.91B | 8.16 | 34.64% | ― | -7.48% | 17.78% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| WAL | 67Neutral | $8.32B | 8.34 | 13.09% | 2.20% | 9.43% | 11.90% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:BB4 | Axos Financial | 83.00 | 15.00 | 22.06% | |
| CASH | Pathward Financial | 75.31 | 7.99 | 11.87% | |
| WAL | Western Alliance Bancorporation | 76.29 | 0.95 | 1.26% | |
| CUBI | Customers Bancorp | 84.16 | 16.16 | 23.76% | |
| TBBK | Bancorp Inc | 46.75 | -16.18 | -25.71% | |
| LOB | Live Oak Bancshares Inc. | 34.47 | 2.98 | 9.48% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.