A digital-first financial services company that offers banking products—mortgages, auto loans, and deposits—entirely online, and provides clearing, custody, and investment advisory services to independent advisors and broker-dealers. It was founded in 1999 as BofI (Bank of Internet) and launched on July 4, 2000, a date chosen to symbolize independence from traditional banking, and rebranded as Axos in 2018.
Axos Financial reports Q4 FY2026 net income of $124.9M, diluted EPS of $2.16
For the quarter ended June 30, 2026, net income was $124.9 million and diluted EPS was $2.16, compared to $110.7 million and $1.92 in the prior-year quarter.
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Net interest income rose 13.5% to $317.9 million, and non-interest income increased 49.9% to $61.9 million year-over-year.
Adjusted earnings (non-GAAP) were $146.2 million, up 30.7% from $111.8 million in the prior-year quarter.
Total deposits grew 17.9% to $24.6 billion, including approximately $2.3 billion from the Jenius Bank acquisition closed in May 2026.
The company closed the acquisition of Arc Technologies, Inc. on July 20, 2026, and repurchased $22.0 million of stock during the quarter.
2.02 Results of Operations and Financial Condition · 8.01 Other Events · 9.01 Financial Statements and Exhibits
Axos Financial subsidiary agrees to acquire fintech platform Arc Technologies
Arc, founded in 2021, provides an AI-native financial technology platform with cash management, capital markets, and AI-powered financial software for technology and growth companies.
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On July 6, 2026, Axos Nevada Holding, LLC, a subsidiary of Axos Financial, Inc., entered into a definitive agreement to acquire Arc Technologies, Inc.
The transaction is expected to close in July 2026, subject to customary closing conditions, and is not expected to have a material impact on results of operations or financial condition.
Axos expects the acquisition to enhance its ability to serve small businesses and expand its AI capabilities through Arc's financial intelligence infrastructure and agentic finance tools.
A press release announcing the transaction was issued on July 7, 2026, and furnished as Exhibit 99.1 to the Form 8-K.
8.01 Other Events · 9.01 Financial Statements and Exhibits
Axos Bank completes acquisition of ~$2.3B in Jenius Bank U.S. consumer deposits
The acquisition was made pursuant to a Purchase and Assumption Agreement dated February 12, 2026.
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Axos Bank, a subsidiary of Axos Financial, completed the acquisition of all U.S. consumer deposits of Jenius Bank, a digital banking business of SMBC MANUBANK, on May 2, 2026.
Axos Bank acquired approximately $2.3 billion in deposits and received cash, less a negotiated premium.
The agreement was previously filed as Exhibit 99.1 to Axos Financial's Form 8-K on February 12, 2026.
2.01 Completion of Acquisition or Disposition of Assets · 9.01 Financial Statements and Exhibits
Axos Financial files 8-K with investor presentation for meetings starting May 5, 2026
The presentation highlights fiscal Q3 2026 results: net income of $124.7 million, diluted EPS of $2.15, asset growth of 22%, and deposit growth of 11% year-over-year.
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Axos Financial, Inc. filed a Form 8-K on May 4, 2026, disclosing an investor presentation under Item 7.01 Regulation FD.
The presentation will be used at investor meetings beginning on or around May 5, 2026, and during the next few months.
The company reports total deposits of $22.4 billion as of March 31, 2026, with approximately 85% FDIC-insured or collateralized.
The filing includes exhibits 99.1 and 99.2 (presentation) and 104 (Inline XBRL cover page).
7.01 Regulation FD Disclosure · 9.01 Financial Statements and Exhibits
Axos Financial reports Q3 FY2026 net income of $124.7M, diluted EPS of $2.15
Net income for the quarter ended March 31, 2026 was $124.7 million, up 18.5% from $105.2 million in the prior-year quarter.
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Diluted EPS was $2.15, up 18.8% from $1.81 in the same quarter last year.
Net interest income rose 11.2% to $306.3 million, while non-interest income surged 157.7% to $86.0 million, including a one-time $22.0 million favorable legal settlement.
Ending net loan balances were $25.0 billion, and total deposits increased 11.2% year-over-year to $22.4 billion.
Book value per share increased 17.7% to $53.89, and the company expects the Jenius Bank deposit acquisition to close in the June quarter.
2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits