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 0, net conviction 38, actionability 0. How the Setup Score works →

Total Setup Score0
Directional BiasBullish
Net Conviction38
Actionability0 (in range)

Key signals behind this score

About Axos Financial Inc

Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real … Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$97.40
Market Cap$5.57B
Float54.3M
Shares Outstanding56.9M
P/E (Forward)9.55
P/E (TTM)11.92
Price/Sales (TTM)4.17
vs. Analyst Target+13.8% to analyst PT
Profit Margin35.96%
Operating Margin (TTM)49.43%
Revenue (TTM)$1.32B
Earnings Growth (YoY)18.80%
Dividend RateNone
Analyst Target Price$110.86 (6 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $718M $183M $530M $298M
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

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $479M $111M
Sep 2025 $494M $112M
Dec 2025 $563M $128M
Mar 2026 $564M $125M

Ownership & Float

Insider Ownership4.6%
Institutional Ownership87.3%
Short Float6.0%
% of All Funds Holding4.27%
Number of Funds Holding351

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$90.08Near-term / short-term trend
Weekly40-Week SMA$88.14Medium-term trend
Weekly80-Week SMA$81.31Cyclical trend (business cycle)
Weekly200-Week SMA$62.46Secular trend (multi-year)
Monthly10-Month SMA$89.54Near-term monthly trend
Monthly20-Month SMA$81.89Medium-term monthly trend
Monthly40-Month SMA$67.29Secular 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
$87.00 support 1.19x 0 months ago
$98.00 resistance 1.08x 4 months ago
$58.00 support 1.04x 23 months ago

Historical Earnings Reactions (82 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.97% 0.51% 60.98% 9.97% -8.45%
1 Day 0.63% 0.62% 57.32% 13.88% -14.01%
1 Week 1.81% 1.33% 57.32% 25.87% -18.32%
2 Weeks 1.49% -0.17% 48.78% 25.43% -20.02%
1 Month 1.73% -0.12% 48.15% 43.87% -20.71%

Next earnings: July 30, 2026 (18 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
Jul7.3%76.2%21
Aug0.8%52.4%21
Sep-1.2%52.4%21
Oct-1.9%52.4%21
Nov6.3%85.7%21
Dec4.8%61.9%21

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.01% 49.0% 1004
Tuesday 0.19% 48.2% 1100
Wednesday 0.01% 48.0% 1100
Thursday 0.17% 50.6% 1080
Friday 0.13% 50.5% 1074

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 87.3%

Insider Transactions — Smart Summary

Total insider ownership: 4.6%

12-Month Insider Activity Summary

Total Filings67
Net Value-$15.2M
Net Shares Change60,982
% of Float0.1%
C-Suite Filings23
Clusters Detected5

Key Insiders

NameTitleNet ValueFilingsActivity
Garrabrants Gregory President and CEO -$14.9M 2 2 sell
Walsh Derrick EVP, Chief Financial Officer -$355,822.46 2 2 sell
Tolla John Charles EVP, Chief Risk Officer +$264,434.91 2 2 sell
Constantine Thomas M -$176,574.682 1 1 sell
Swanson Brian D President, Consumer Bank +$157,484.07 1 1 sell
Watson Michael James -$138,470.157 1 1 sell
Santi Roque A -$43,885 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-09-03 – 2025-09-17 14 12 +$565,151.5 3 C-suite
2025-09-25 – 2025-09-25 9 9 +$678,488.2 3 C-suite
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

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-07-01 Garrabrants Gregory President and CEO -$10.6M Transaction at $97.39, now +0.0%
2026-05-12 Santi Roque A -$43,885 Transaction at $87.77, now +11.0%
2026-05-21 Watson Michael James -$138,470.157 Transaction at $83.77, now +16.3%
2026-02-06 Walsh Derrick EVP, Chief Financial Officer -$490,463.66 Transaction at $101.21, now -3.8%
2026-06-09 Constantine Thomas M -$176,574.682 Transaction at $88.55, now +10.0%
2026-03-24 Tolla John Charles EVP, Chief Risk Officer +$157,484.07 Transaction at $82.93, now +17.4%

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 →