AX — Axos Financial Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates AX Bullish with a Setup Score of 72, net conviction 43, actionability 119. How the Setup Score works →

Total Setup Score72
Directional BiasBullish
Net Conviction43
Actionability119 (in range)

Key signals behind this score

About Axos Financial Inc

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. The company offers various deposits products, including consumer and business checking, savings, and time deposits; and demand accounts, and money market accounts. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$88.44
Market Cap$5.03B
Float54.2M
Shares Outstanding56.9M
P/E (Forward)9.55
P/E (TTM)10.43
Price/Sales (TTM)3.65
vs. Analyst Target+33.1% to analyst PT
Profit Margin35.55%
Operating Margin (TTM)45.03%
Revenue (TTM)$1.38B
Earnings Growth (YoY)12.40%
Dividend RateNone
Analyst Target Price$117.71 (7 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2021 $712M $216M $609M $336M
2022 $758M $241M $682M $365M
2023 $1.26B $307M $866M $455M
2024 $1.77B $450M $1.04B $663M
2025 $1.93B $433M $1.19B $642M
2026 $2.19B $490M $1.38B $647M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Sep 2025 $494M $112M
Dec 2025 $563M $128M
Mar 2026 $564M $125M
Jun 2026 $569M $125M

Ownership & Float

Insider Ownership4.4%
Institutional Ownership88.3%
Short Float5.6%
% of All Funds Holding4.33%
Number of Funds Holding381

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$94.46Near-term / short-term trend
Weekly40-Week SMA$92.44Medium-term trend
Weekly80-Week SMA$85.80Cyclical trend (business cycle)
Weekly200-Week SMA$66.19Secular trend (multi-year)
Monthly10-Month SMA$92.48Near-term monthly trend
Monthly20-Month SMA$85.35Medium-term monthly trend
Monthly40-Month SMA$71.24Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$96.00 resistance 1.04x 0 months ago
$86.00 support 1.15x 3 months ago

Historical Earnings Reactions (83 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 1.00% 0.60% 61.45% 9.97% -8.45%
1 Day 0.66% 0.65% 57.83% 13.88% -14.01%
1 Week 1.81% 1.43% 57.83% 25.87% -18.32%
2 Weeks 1.52% -0.14% 49.40% 25.43% -20.02%
1 Month 1.56% -0.14% 47.56% 43.87% -20.71%

Next earnings: October 29, 2026 (19 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan4.7%66.7%21
Feb2.2%57.1%21
Mar-2.4%52.4%21
Apr3.7%50.0%22
May-0.4%45.5%22
Jun0.4%45.5%22
Jul7.2%77.3%22
Aug0.5%50.0%22
Sep-1.7%50.0%22
Oct-1.9%52.4%21
Nov6.3%85.7%21
Dec4.8%61.9%21

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.00% 48.8% 1016
Tuesday 0.18% 48.1% 1113
Wednesday -0.00% 47.7% 1113
Thursday 0.17% 50.7% 1093
Friday 0.13% 50.6% 1087

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 88.3%

Insider Transactions — Smart Summary

Total insider ownership: 4.4%

12-Month Insider Activity Summary

Total Filings54
Net Value-$14.1M
Net Shares Change72,983
% of Float0.1%
C-Suite Filings19
Clusters Detected4

Key Insiders

NameTitleNet ValueFilingsActivity
MATSUMOTO RAYMOND D +$211,125.04 1 1 sell
Walsh Derrick EVP, Chief Financial Officer +$176,555.4 1 1 sell
Constantine Thomas M +$167,102.04 1 1 sell
Bar-Adon Eshel EVP, Strategic Partnerships an +$155,053.64 1 1 sell
Tolla John Charles EVP, Chief Risk Officer +$149,863.56 1 1 sell
Watson Michael James +$147,453.88 1 1 sell
Swanson Brian D +$144,488.12 1 1 sell
Nick Mosich -$124,950 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-11-18 – 2025-11-18 11 11 +$2.1M
2026-02-06 – 2026-02-19 6 5 -$6.5M 2 C-suite
2026-03-16 – 2026-03-24 19 10 +$1.5M 12 C-suite
2026-09-16 – 2026-09-16 10 10 +$1.2M 3 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-09-16 Tolla John Charles EVP, Chief Risk Officer +$149,863.56 Transaction at $92.68, now -4.6%
2026-09-16 Walsh Derrick EVP, Chief Financial Officer +$176,555.4 Transaction at $92.68, now -4.6%
2026-09-16 Bar-Adon Eshel EVP, Strategic Partnerships an +$155,053.64 Transaction at $92.68, now -4.6%
2026-09-16 Nick Mosich -$124,950 Transaction at $98.00, now -9.8%
2026-09-16 Watson Michael James +$147,453.88 Transaction at $92.68, now -4.6%
2026-09-16 MATSUMOTO RAYMOND D +$211,125.04 Transaction at $92.68, now -4.6%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Axos Financial Inc (AX) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for AX on Trend Edge →