Axos Financial (NYSE: AX) posts 21% asset and 18% deposit growth in Q4 2026

Q: What did Axos Financial (AX) disclose in this August 2026 report?

Axos Financial provided an investor presentation dated August 6, 2026 , to be used in investor meetings starting around August 11, 2026 . It outlines recent financial performance, business mix, risk management, and strategic initiatives across its consumer, commercial, and securities divisions.

Q: What were Axos Financial (AX) key fiscal Q4 2026 financial results?

For fiscal Q4 2026, Axos reports net income of $124.9 million and diluted EPS of $2.16 . Compared with fiscal Q4 2025, assets grew 21% , deposits 18% , net income 13% , and diluted EPS 13% , with consolidated ROE of 15.69% and ROA of 1.69% .

Q: How does Axos Bank’s profitability compare with peers in this presentation?

Axos Bank posts ROAA of 2.22% and ROE of 22.72% , with an efficiency ratio of 41.51% . These metrics are described as placing Axos in the 95th–96th percentile for ROAA and ROE and at the 6th percentile for efficiency ratio versus a savings-bank peer group.

Q: What is the size and quality of Axos Financial (AX) deposit base?

Total deposits were $24.6 billion as of June 30, 2026, with approximately 85% FDIC-insured or collateralized. Deposits are diversified across consumer direct, specialty, small business, commercial and treasury management, fiduciary services, distribution partners, and Axos Securities balances.

Q: How is Axos Financial (AX) growing non-interest income?

Total non-interest income increased from $103.0 million for the year ended June 30, 2020 to an annualized $247.5 million based on the quarter ended June 30, 2026. Drivers include clearing and custody fees, cash sorting, margin and securities lending, and related net interest income.

Q: What scale does Axos Securities contribute to Axos Financial (AX)?

Axos’ securities clearing and custody business reports $47.8 billion in client assets under custody and/or administration. For the quarter ended June 30, 2026, it generated net revenues of $41,423,684 from custody, clearing and execution, cash sorting, margin lending, securities lending, and net interest income.

Q: What risk management practices does Axos Financial (AX) highlight?

Axos describes a holistic credit-risk management framework across the loan life cycle, including defined credit appetite, portfolio monitoring, reporting, and special assets management. It emphasizes asset-based lending at low loan-to-values and data-driven credit tools overseen by its board and governance policies.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Axos Financial, Inc. provides an investor presentation dated August 6, 2026 that will be used in investor meetings beginning around August 11, 2026. The information is presented as of August 6, 2026 and is accompanied by standard forward-looking statement cautions.

The presentation highlights consolidated fiscal fourth quarter 2026 results versus the prior year quarter, including asset growth of 21%, deposit growth of 18%, net income growth of 13%, and diluted EPS growth of 13%, with Q4 2026 net income of $124.9 million and diluted EPS of $2.16. Consolidated return on equity is 15.69% and return on assets is 1.69%. At the bank level, Axos reports ROE of 22.72%, ROAA of 2.22%, and an efficiency ratio of 41.51%, described as top-percentile performance versus a savings-bank peer group. Total deposits were $24.6 billion as of June 30, 2026, with approximately 85% FDIC-insured or collateralized and diversified across consumer, specialty, small business, commercial, treasury, fiduciary, and securities channels. Non-interest income is shown growing from $103.0 million in the year ended June 30, 2020 to an annualized $247.5 million based on the quarter ended June 30, 2026, supported by Axos securities clearing and custody operations with $47.8 billion in client assets under custody and/or administration.

Positive

Double-digit growth in key metrics: Fiscal Q4 2026 assets grew 21%, deposits 18%, net income 13%, and diluted EPS 13% compared with fiscal Q4 2025, indicating materially higher scale and earnings.
Strong profitability versus peers: Axos Bank reports ROE of 22.72%, ROAA of 2.22%, and a 41.51% efficiency ratio, characterized as top-percentile performance among savings banks over $1 billion in assets.
Stable, diversified and largely protected funding: Total deposits of $24.6B as of June 30, 2026 are diversified across multiple channels, with approximately 85% FDIC-insured or collateralized.
Rapid expansion of non-interest income: Total non-interest income increased from $103.0M in fiscal 2020 to an annualized $247.5M based on the June 30, 2026 quarter, supported by $47.8B of clearing client assets.

Negative

None.

Insights

Analyzing...

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Asset Growth: 21% Deposit Growth: 18% Net Income Q4 2026: $124.9 million +5 more

8 metrics

Asset Growth 21% Fiscal fourth quarter 2026 versus fiscal fourth quarter 2025

Deposit Growth 18% Fiscal fourth quarter 2026 versus fiscal fourth quarter 2025

Net Income Q4 2026 $124.9 million Consolidated fiscal fourth quarter 2026 net income

Diluted EPS Q4 2026 2.16 Consolidated fiscal fourth quarter 2026 diluted earnings per share

Consolidated ROE 15.69% Consolidated return on equity highlighted in the presentation

Consolidated ROA 1.69% Consolidated return on assets highlighted in the presentation

Total Deposits $24.6 billion Deposit balances as of June 30, 2026

FDIC-Insured or Collateralized Deposits Approximately 85% Portion of total deposits as of June 30, 2026

Key Terms

Efficiency Ratio, Return on Assets, Allowance for Credit Losses, FDIC-insured, +1 more

5 terms

Efficiency Ratio financial

"The 6% efficiency ratio ranking means that only 6% of banks have higher expenses"

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.

Return on Assets financial

"Consolidated Return on Assets = 1.69%"

Return on assets (ROA) is a percentage that shows how much profit a company earns for each dollar of its assets, calculated by dividing its profit by its total assets. Investors use ROA to judge how efficiently a business turns its resources into earnings — like measuring how many miles a car gets per gallon — and to compare efficiency across companies, keeping in mind that capital‑intensive industries naturally show different typical ROA levels.

Allowance for Credit Losses financial

"Change in Allowance for Credit Losses (ACL) & Unfunded Loan Commitments"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

FDIC-insured financial

"Approximately 85% of deposits are FDIC-insured or collateralized"

"FDIC-insured" means that a bank or savings institution is protected by the Federal Deposit Insurance Corporation, which guarantees that depositors will get back their money up to a certain limit if the bank fails. This insurance provides peace of mind, similar to a safety net, ensuring that your savings are protected even if the bank encounters financial trouble. It helps build trust and confidence for people saving or investing their money in banks.

Margin Lending financial

"Margin Lending 5,092,654 Securities Lending 1,680,490 Net Interest Income"

Margin lending is when an investor borrows money from their broker to buy more stocks or other securities than they could with cash alone, using the purchased assets as security for the loan. It matters because it can amplify returns like using a mortgage to buy a bigger house, but it also magnifies losses and can trigger forced sales (margin calls) if the market moves against the investor, increasing risk and borrowing costs.

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Available on EDGAR 08/06/2026 - 04:11 PM Accepted by SEC EDGAR 08/06/2026 - 04:10 PM

FAQ

What did Axos Financial (AX) disclose in this August 2026 report?

Axos Financial provided an investor presentation dated August 6, 2026, to be used in investor meetings starting around August 11, 2026. It outlines recent financial performance, business mix, risk management, and strategic initiatives across its consumer, commercial, and securities divisions.

What were Axos Financial (AX) key fiscal Q4 2026 financial results?

For fiscal Q4 2026, Axos reports net income of $124.9 million and diluted EPS of $2.16. Compared with fiscal Q4 2025, assets grew 21%, deposits 18%, net income 13%, and diluted EPS 13%, with consolidated ROE of 15.69% and ROA of 1.69%.

How does Axos Bank’s profitability compare with peers in this presentation?

Axos Bank posts ROAA of 2.22% and ROE of 22.72%, with an efficiency ratio of 41.51%. These metrics are described as placing Axos in the 95th–96th percentile for ROAA and ROE and at the 6th percentile for efficiency ratio versus a savings-bank peer group.

What is the size and quality of Axos Financial (AX) deposit base?

Total deposits were $24.6 billion as of June 30, 2026, with approximately 85% FDIC-insured or collateralized. Deposits are diversified across consumer direct, specialty, small business, commercial and treasury management, fiduciary services, distribution partners, and Axos Securities balances.

How is Axos Financial (AX) growing non-interest income?

Total non-interest income increased from $103.0 million for the year ended June 30, 2020 to an annualized $247.5 million based on the quarter ended June 30, 2026. Drivers include clearing and custody fees, cash sorting, margin and securities lending, and related net interest income.

What scale does Axos Securities contribute to Axos Financial (AX)?

Axos’ securities clearing and custody business reports $47.8 billion in client assets under custody and/or administration. For the quarter ended June 30, 2026, it generated net revenues of $41,423,684 from custody, clearing and execution, cash sorting, margin lending, securities lending, and net interest income.

What risk management practices does Axos Financial (AX) highlight?

Axos describes a holistic credit-risk management framework across the loan life cycle, including defined credit appetite, portfolio monitoring, reporting, and special assets management. It emphasizes asset-based lending at low loan-to-values and data-driven credit tools overseen by its board and governance policies.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 6, 2026

Axos Financial, Inc.

(Exact name of registrant as specified in its charter)




Delaware	001-37709	33-0867444
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification Number)

9205 West Russell Road, Ste 400

Las Vegas, NV 89148

(Address of principal executive offices and zip code)

Registrant’s telephone number, including area code: (858) 649-2218


Securities registered pursuant to Section 12(b) of the Act:
Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common stock, $0.01 par value	AX	New York Stock Exchange

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure

Axos Financial, Inc. (the “Registrant”) will use the presentation provided in the Exhibits at investor meetings beginning on or around August 11, 2026 and during the next few months.

This Form 8-K and the information attached below shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), or otherwise be subject to the liabilities of that section, nor shall it be incorporated by reference into a filing under the Securities Act of 1933, as amended (“Securities Act”), or the Exchange Act, except as expressly set forth by specific reference in such a filing. The information in the materials is presented as of August 6, 2026, and the Registrant does not assume any obligation to update such information in the future.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.


Exhibit						Description
99.1						Axos Financial, Inc. Presentation
99.2						Axos Financial, Inc. Presentation PDF
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Axos Financial, Inc.

Date:

August 6, 2026

By:

/s/ Derrick K. Walsh

Derrick K. Walsh

EVP and Chief Financial Officer

NYSE: AXAugust 6, 2026 Axos Financial, Inc. Investor Presentation

2© 2026 Axos Financial, Inc. All Rights Reserved. 2 Safe Harbor This presentation contains forward-looking statements that involve risks and uncertainties, including without limitation statements relating to Axos Financial, Inc.’s (“Axos”) financial prospects and other projections of its performance and asset quality, Axos’ deposit balances and capital ratios, Axos’ ability to continue to grow profitably and increase its business, Axos’ ability to continue to diversify its lending and deposit franchises, the anticipated timing and financial performance of other offerings, initiatives, and acquisitions, expectations of the environment in which Axos operates and projections of future performance. These forward-looking statements are made on the basis of the views and assumptions of management regarding future events and performance as of the date of this presentation. Actual results and the timing of events could differ materially from those expressed or implied in such forward- looking statements as a result of risks and uncertainties, including without limitation Axos’ ability to successfully integrate acquisitions and realize the anticipated benefits of the transactions, changes in the interest rate environment, monetary policy, inflation, tariffs, government regulation, general economic conditions, changes in the competitive marketplace, conditions in the real estate markets in which we operate, risks associated with credit quality, our ability to attract and retain deposits and access other sources of liquidity, and the outcome and effects of litigation and other factors beyond our control. These and other risks and uncertainties detailed in Axos’ periodic reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2025, Form 10-Q for the quarter ended March 31, 2026 and its last earnings press release, could cause actual results to differ materially from those expressed or implied in any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this presentation. Axos undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. All written and oral forward-looking statements made in connection with this presentation, which are attributable to us or persons acting on Axos’ behalf are expressly qualified in their entirety by the foregoing information.

3© 2026 Axos Financial, Inc. All Rights Reserved. 3 › Diverse mix of assets, deposits, and fee income reduces risk and provides multiple growth opportunities in varying environments › Asset-based lending at low loan-to-values has resulted in low historical credit losses › Differentiated retail digital strategy from “online savings banks” or fin-tech competitors › Structural cost advantage vs. traditional banks › New business initiatives generate incremental growth › Direct-to-consumer and securities clearing and custody businesses provide differentiated sources of growth › Technology synergies among divisions reduce overall client acquisition and servicing costs Investment Thesis Axos Financial’s Three Divisions Provide the Foundation for Sustained Long-term Growth Consumer Banking Commercial Banking Securities

4© 2026 Axos Financial, Inc. All Rights Reserved. 4 SecuritiesCommercial BankingConsumer Banking › Margin Lending › Securities Lending › SBLOCs › Asset-Based Lending › C&I Lending › Commercial Real Estate Specialty Lending › Equipment Finance › Fund Finance › Lender Finance › Multifamily › Auto Lending › Single-Family Mortgages › Personal Unsecured Lending › Cash Sweeps › Money Market › Cash and Treasury Management › HOA › Axos Fiduciary Services › Business Management › Payment Processing › Checking › Savings › Money Market › CDs › Bundled Products Deposits › Clearing Fees › Custody Fees › Mutual Fund/ETF Fees › Commissions › Investment Management Fees › Banking Fees › FX › Prepayment Fees › Operating Lease Income › Unused Line of Credit Fees › Mortgage BankingFee Income › Axos Professional Workstation (APW) › ACE (Cash and TM) › Zenith (Business Management) › Unity (Fiduciary Services) › Universal Digital BankTechnology Diversified Sources of Lending, Deposits and Fee Income

5© 2026 Axos Financial, Inc. All Rights Reserved. 5 PercentilePeer Group1Axos Bank 95%0.78%2.22%ROAA 96%7.24%22.72%Return on Equity 41%2.43%2.24%NIE/Avg Assets 95%2.99%4.57%Net Interest Income 6%68.95%41.51%Efficiency Ratio Source: Uniform Bank Performance Report (UBPR) as of March 31, 2026 data retrieved July 27, 2026. Note 1: Peer group is all savings banks with assets greater than $1 billion for quarter ended March 31, 2026 Axos is a Top Performer Versus Bank Peer Group The 96% on ROE means that the Bank outperformed 96% of all banks. The 6% efficiency ratio ranking means that only 6% of banks have higher expenses in comparison to their revenues.

6© 2026 Axos Financial, Inc. All Rights Reserved. 6 Consolidated Return on Equity = 15.69% Consolidated Return on Assets = 1.69% Consolidated Fiscal Fourth Quarter 2026 Highlights Compared with Fiscal Fourth Quarter 2025 21% 18% 13% 13% Asset Growth Deposit Growth Net Income Diluted EPS $ Millions $ Millions $ Millions $ Diluted EPS Q4 2026 124.9 2.16

7© 2026 Axos Financial, Inc. All Rights Reserved. 7 Diluted EPS and Book Value Per Share Have Been Consistently Strong 18.8% CAGR Diluted EPS (FY) Book Value Per Share (FY) $ Per Share $ Per Share Note 1: The year ended June 30, 2024, included a one-time pre-tax gain of approximately $92.4 million, or $1.11 per diluted common share, related to the FDIC Loan Purchase 1 19.0% CAGR

9© 2026 Axos Financial, Inc. All Rights Reserved. 9 Loan Growth by Category $ Millions SF Warehouse Lending Multifamily Small Balance Commercial Jumbo Mortgage Asset-Based and Cash Flow Lending Lender Finance Non-RE Capital Call Facilities Auto Unsecured/OD Single Family Mortgage & Warehouse Multifamily & Commercial Mortgage Commercial Real Estate Commercial & Industrial Non-RE Loans Inc (Dec)Q3 FY26Q4 FY26 $ 5$ 3,784$ 3,789 (128)921793 171,4371,454 (7)1,0371,030 367,2357,271 1091,4881,597 (261)2,2461,985 912,9203,011 891,6611,750 6252,1252,750 40538578 97988 $ 625$ 25,471$ 26,096 Lender Finance RE CRE Specialty Auto & Consumer Equipment Lending and Leasing

10© 2026 Axos Financial, Inc. All Rights Reserved. 10 Holistic Credit Risk Management What We Do Loan Life Cycle Utilize a holistic credit-risk management framework to manage and monitor credit quality at each stage of the loan life cycle, and leverage specialized credit tools to optimize monitoring and reporting capabilities Set Appetite Originations Portfolio Management Reporting Special Assets Credit Monitoring & Oversight Axos Credit Objectives Example of Credit Tools › Board of Directors › Annual Strategic Plan › Corporate Governance › Policies & Approval Authorities Note: Credit tools list is a sampling and is not purported to be comprehensive. Establish Credit Framework and Culture Safe Growth Monitor Assets Throughout Life Cycle Data-Driven Decision Making Mitigate Problem Loans   

12© 2026 Axos Financial, Inc. All Rights Reserved. 12 Commercial Real Estate Specialty1 Detail as of June 30, 2026 59% of total Commercial Real Estate Specialty balance at June 30, 2026 is indirect note structures where Axos has first payment priority; these loans carry a weighted- average LTV of 44%. Below is a breakdown of the stage of the properties underlying the CRES loans: Note 1: Includes Commercial Real Estate Specialty loan portfolio only Weighted Avg. LTVBalance (mm)Loan Type 44 %$ 3,192Construction 513,239Bridge 60757Stabilized 4883Pre-development 49 %$ 7,271Total

13© 2026 Axos Financial, Inc. All Rights Reserved. 13 Diversified Deposit Gathering Approximately 85% of deposits are FDIC-insured or collateralized Deposit balances as of June 30, 2026 Note 1: Excludes approximately $475 million of off-balance sheet deposits › Serves approximately 30% of U.S. Chapter 7 bankruptcy trustees in exclusive relationship › Software allows servicing of SEC receivers and non- chapter 7 cases › Full service digital banking, wealth management, and securities trading › White-label banking › Business banking with simple suite of cash management services › HOA and property management › Business management and entertainment › Title and escrow companies › 1031 exchange firms › Broker-dealer client cash › Broker-dealer reserve accounts › Full service treasury/cash management › Team enhancements and geographic expansion › Bank and securities cross-sell Fiduciary Services $1.1B Consumer Direct $12.6B Specialty Deposits $3.3B Distribution Partners $0.3B Axos Securities1 $1.2B Small Business Banking $1.1B Commercial & Treasury Management $5.0B Total Deposits: $24.6B

16© 2026 Axos Financial, Inc. All Rights Reserved. 16 Non-Interest Income Growth and Diversification Year Ended June 30, 2020 Three Months Ended June 30, 2026 Total Non-Interest Income = $103.0 million Total Non-Interest Income = $247.5 million1 Note 1: Represents annualized quarterly June 30, 2026 data ($ in millions) ($ in millions)

17© 2026 Axos Financial, Inc. All Rights Reserved. 17 › Leadership team with more than 100 years combined industry experience. › Proprietary front- and back-end technologies for advisors and broker- dealers. › $47.8 billion in Clearing Services client assets under custody and/or administration. Three Months Ended June 30, 2026 Three Months Ended June 30, 2020 $ —Custody 4,817,561Clearing Fees & Execution 811,599Cash Sorting 1,455,625Margin Lending 1,588,500Securities Lending 494,424Net Interest Income $ 9,167,709Net Revenues $ 9,219,772Custody 7,119,348Clearing Fees & Execution 13,995,407Cash Sorting 4,316,013Margin Lending 5,092,654Securities Lending 1,680,490Net Interest Income $ 41,423,684Net Revenues Axos Clearing and Custody Highlights

18© 2026 Axos Financial, Inc. All Rights Reserved. 18 Secular Industry Trends Provide Opportunities for Axos › RIAs need to reduce costs and streamline back-office ops › Automation frees up time/resources for client interactions › Axos to provide bundled securities clearing, custody and banking services › Target small & medium-sized RIAs and IBDs that large custodians do not serve well › Axos to provide succession-based and M&A financing to RIAs and IBDs › Nationwide footprint and industry focus are competitive advantages › Axos offers direct-to-consumer self-directed trading and robo-advisory solutions; will offer private label robo-advisory solutions to independent RIAs Fee Compression for Active and Passive Investment Managers Digitization of Wealth Management Aging Advisor Population is Driving Consolidation and Succession Planning Advisors are Leaving Wirehouses to Become Independent Advisors

19© 2026 Axos Financial, Inc. All Rights Reserved. 19 Axos Securities Roadmap FuturePresentPast 2026+2023 - 20252018 - 2022 • Learning new skills within the current business vertical (adaptable, siloed) People • Leveraging technology for efficiencies / outsourcing low value tasks (enhanced accuracy, better resource utilization) Processes • Home-grown bi-furcated technology (duplicative, confusing) Technology • Broad growth in competence and knowledge (Collaborative, Aligned, Client-Centric) People • Digital transformation that drives automation and scalability (Data- driven, AI, Machine Learning, Agile) Processes • Entitlement-based single pane of glass tech & open architecture data solution(s) meet clients where they are at (Innovative, Differentiated, Flexible) Technology • Highly skilled in the business segment(s) being served (Uncertainty, frustration) People • Operational inefficiencies (high cost, inflexible) Processes • Closed ecosystem technology and dependent on 3rd party solutions Technology Leverage expertise and technologies in clearing and custody to serve a broader client base

20© 2026 Axos Financial, Inc. All Rights Reserved. 20 Customer Acquisition Sales Servicing Distribution › Digital Marketing › Affinity and Distribution Partners › Data mining/target feeding direct marketing › Cross-selling › Automated fulfillment › Inbound call center sales › Outbound call center sales › Minimal outside sales › Significant inside sales › Self-service › Digital journey › Direct banker (call center) › Balance sheet › Whole loan sales options › Securitization Data Driven Insight Integrated Customer Experience Digital Marketing Digitally Enabled Operations Next-Gen Technology Core Digital Capabilities Axos’ Business Model is Differentiated From Other Banks

21© 2026 Axos Financial, Inc. All Rights Reserved. 21 Evolving Capabilities of the UDB Platform UDB 1.0 UDB 2.0 White Label UDB Banking: Axos deposit products Borrowing: Axos loan products Investing: Managed Portfolios, Self Directed Trading Planning: Account Aggregation, PFM, Credit Monitoring Personalized Offers + Content Co-branded Wealth Management SSO to Enrollment Portals Universal Enrollment: Single, digital point of sale UDB offers a growing set of products, capabilities and integrations Small Business Banking P ro du ct s + Fe at ur es Se gm en ts En ab le rs

22© 2026 Axos Financial, Inc. All Rights Reserved. 22 Automation/Straight-Through Processing Low-Code Development Artificial Intelligence Offshoring • Axos Professional Workstation (APW) development • Code refresh for AAS’ advisor platform • New feature and platform development for Axos Invest/SDT • QC of various legal documents and contracts • Streamline various credit and portfolio management functions (i.e. appraisal reviews) • Automate additional risk and compliance monitoring tasks • Commercial spreading and manual credit underwriting tasks to ABC/Acuity • Zenith bookkeeping support and journal entries • Accounts payable and other accounting functions • Leverage APIs to streamline workflows for clients on front end in new commercial deposit platform (ACE) • Abstract authentication and entitlements out of core to make it more scalable and customizable Operational Productivity Initiatives

23© 2026 Axos Financial, Inc. All Rights Reserved. 23 Greg Garrabrants, President and CEO Derrick Walsh, EVP and CFO investors@axosfinancial.com www.axosfinancial.com Johnny Lai, SVP Corporate Development and Investor Relations Phone: 858.649.2218 Mobile: 858.245.1442 jlai@axosfinancial.com Contact Information

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

5 documents