Axos Financial (AX) | News Based Sentiment Analysis

• On September 5, 2025, Axos Financial reported a strong fourth quarter, exceeding expectations with earnings per share (EPS) of $1.94, $0.12 above the consensus estimate of $1.82. This performance was driven by revenue reaching $321.45 million, surpassing the anticipated $311.73 million, representing a 10.5% year-over-year revenue increase – their best quarterly performance since 2022.
• Building on its digital foundation, Axos Financial celebrated its 25-year anniversary by ringing The Closing Bell® at the New York Stock Exchange (NYSE) on September 10, 2025, highlighting its transformation into a leading, technology-driven financial services provider. As of June 30, 2025, the company held approximately $24.8 billion in consolidated assets.
• Axos Advisor Services expanded its platform on September 3, 2025, through a partnership with Smartleaf Asset Management, enabling independent financial advisors to offer cost-effective, custom, and tax-optimized portfolios to their clients. This move aims to broaden their service offerings and attract a wider client base.
• On September 17, 2025, Axos Financial priced a public offering of $200 million of 7.00% Fixed-to-Floating Rate Subordinated Notes due 2035, with expected net proceeds of approximately $197.2 million after underwriting discounts. They plan to use these funds to redeem $160.5 million of existing notes and support growth initiatives.
• Despite the positive performance, insider selling occurred in September, with Director Nicholas Mosich selling 5,000 shares between September 2 and September 3, 2025, and EVP Andrew J. Micheletti selling 13,960 shares on September 17, 2025. This resulted in a 17.15% decrease in Micheletti’s ownership.
• Analyst sentiment remained largely positive, with seven research firms maintaining an average recommendation of "Moderate Buy" as of September 17, 2025, and an average price target of $90.86. Needham & Company LLC previously increased its price objective to $102.00 on July 31st.
• Institutional investor activity was mixed, with Heck Capital Advisors LLC acquiring a new position worth $35,000, while HSBC Holdings PLC significantly decreased its holdings by selling 109,956 shares as of September 3, 2025. Currently, 83.79% of Axos Financial stock is owned by institutional investors and hedge funds.

The Investment Story: Axos Financial continued its strong performance in September, marked by a successful earnings report, a significant milestone with its 25th anniversary, and strategic initiatives like the Smartleaf partnership and a substantial debt offering. While insider selling is a point to watch, the overall narrative points to continued growth and positive market sentiment.

What It Means for Investors: These developments suggest Axos Financial remains an attractive investment, supported by solid financial results, strategic expansion, and generally positive analyst views. The debt offering provides financial flexibility, but investors should monitor the impact of insider selling and the evolving institutional ownership landscape.

Looking Ahead: Investors should monitor the impact of the partnership with Smartleaf Asset Management, track loan growth, and observe any further insider trading activity. The successful closing of the subordinated notes offering around September 19, 2025, will also be a key event to watch.

The Bottom Line: Axos Financial is executing its strategy effectively, delivering solid results and positioning itself for long-term success. The company’s commitment to innovation, financial discipline, and shareholder value makes it a compelling investment opportunity, despite some insider selling activity.