Earnings per share (EPS) measures how much profit a company makes for each outstanding share of its stock by dividing the company’s profit after expenses by the number of shares. It matters to investors because it shows how much of the company’s “pie” each share represents—higher EPS usually signals greater profitability per share, helps compare companies of different sizes, and influences stock valuations and investor decisions.
efficiency ratiofinancial
A measure of how much a company spends to produce each dollar of revenue, usually shown as operating expenses divided by revenue and expressed as a percentage. Think of it as a household’s budget: a lower percentage means more of each dollar earned stays as profit, while a higher number means costs are eating into returns. Investors use it to judge cost control and compare how efficiently companies turn revenue into earnings, especially in banks and financial firms.
net interest marginfinancial
Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
adjusted tangible common equity/tangible assetsfinancial
A ratio that shows how much of a company's tangible asset base is funded by common shareholders after removing intangible items (like goodwill, patents) and other non-common capital; the numerator is “adjusted tangible common equity” and the denominator is “tangible assets.” It matters to investors because it measures the real, loss-absorbing cushion available if asset values fall—think of it like the portion of a house’s resale value you truly own once non-sellable or inflated items are ignored.
net charge-offsfinancial
Net charge-offs are the amount of loans or credit a lender removes from its books as uncollectible after subtracting any money later recovered from previously written-off accounts. Think of it like a store writing off unpaid tabs but getting back a few dollars later — the net figure shows the real loss. Investors watch this to judge a lender’s loan quality, future profits and how much capital may be needed to cover bad debts.
SAN DIEGO--(BUSINESS WIRE)--
Axos Bank, the nationwide bank subsidiary of Axos Financial, Inc. (NYSE: AX), was named the 4th-highest performing publicly traded bank in 2025 by S&P Global.
S&P Global considered all publicly traded U.S. banks with greater than $10 billion in total assets at December 31, 2025 based on a set of growth, profitability, and credit metrics, including 1-year EPS growth, 3-year average revenue growth, efficiency ratio, net interest margin, adjusted tangible common equity/tangible assets in 2025, and 3-year average net charge-offs/average loans.
"We are excited to be named one of the top performing publicly traded banks in 2025," said Greg Garrabrants, President and CEO of Axos Bank. "Our ability to maintain best-in-class returns, profitability, credit quality and growth is a testament to the diversity of our model and the tremendous execution of our team."
For more information regarding S&P Global’s rankings, visit S&P Global.
About Axos Financial, Inc. and Axos Bank
Axos Financial, Inc., with approximately $28.2 billion in consolidated assets as of December 31, 2025, is the holding company for Axos Bank, Axos Clearing LLC and Axos Invest, Inc. Axos Bank provides consumer and business banking products nationwide through its low-cost distribution channels and affinity partners. Axos Clearing LLC (including its business division Axos Advisor Services), with approximately $44.4 billion of assets under custody and/or administration as of December 31, 2025, and Axos Invest, Inc., provide comprehensive securities clearing services to introducing broker-dealers and registered investment advisor correspondents, and digital investment advisory services to retail investors, respectively. Axos Financial, Inc.’s common stock is listed on the NYSE under the symbol “AX” and is a component of the Russell 2000® Index and the S&P SmallCap 600® Index, among other indices. For more information on Axos Financial, Inc., please visit http://investors.axosfinancial.com.
