[Form 4] Axos Financial, Inc. Insider Trading Activity

Rhea-AI Filing Summary

James S. Argalas, a director of Axos Financial (AX), donated 1,100 shares of the company's common stock to a charitable fund on 08/12/2025. The shares were transferred at $88.05 per share, and the filing states the donation's value as $96.855. After the gift, Mr. Argalas is reported to beneficially own 71,195 shares directly. The Form 4 shows this was reported by a single reporting person and identifies the transaction with Code G (gift).

The disclosure documents an insider charitable gift rather than a sale, reducing his direct holdings by 1,100 shares while leaving a substantial remaining holding. All figures above are taken directly from the Form 4 content.

Insights

Financial Analyst

TL;DR: Director donated 1,100 AX shares; small reduction in direct holdings, neutral for near-term market impact.

The Form 4 shows a Code G transaction where Director James S. Argalas transferred 1,100 common shares to a charitable fund at a reported price of $88.05 per share. Post-transaction direct holdings remain at 71,195 shares. From a market-impact perspective, this is a non-sale transfer and represents a modest decrease in insider holdings relative to the reported balance. There is no derivative activity reported. The disclosure is routine and provides transparency on insider ownership changes without indicating a liquidity-driven disposition.

Corporate Governance Expert

TL;DR: Gift to charity recorded on Form 4; governance transparency maintained, no governance red flags in the filing.

The filing documents an insider charitable donation (Code G), which is an accepted form of transferring equity and is properly reported under Section 16. The reporting person is identified as a director, and the Form 4 lists direct ownership after the transfer. The form does not show any amendments or derivative transactions and includes the explanatory note specifying the transfer was to a charitable fund. This disclosure aligns with standard governance and reporting practices for insider donations.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Argalas James S

(Last) (First) (Middle)

9205 WEST RUSSELL ROAD

SUITE 400

(Street)

LAS VEGAS NV 89148

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Axos Financial, Inc. [ AX ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/12/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/12/2025		G		1,100(1)	D	$88.05	71,195	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. This transaction represents a charitable donation of 1,100 shares of common stock of the Issuer to a charitable fund on August 12, 2025. The Issuer's common stock was transferred at $88.05, resulting in a value for the donation of $96.855.

	By: Derrick Walsh For: James Argalas	08/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transaction did Axos Financial (AX) report on the Form 4?

The Form 4 reports a charitable donation of 1,100 common shares by Director James S. Argalas on 08/12/2025 (Code G).

At what price were the donated AX shares transferred?

The shares were transferred at $88.05 per share, as stated in the Form 4.

How many AX shares does James S. Argalas beneficially own after the donation?

After the reported transaction, Mr. Argalas beneficially owns 71,195 shares directly.

Was the transaction a sale or a gift according to the filing?

The filing indicates the transaction was a gift to a charitable fund, reported with Transaction Code G.

Does the Form 4 show any derivative securities or related option activity for this reporting person?

No. Table II (derivative securities) contains no entries; the filing reports only a non-derivative common stock transfer.