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

Axos Financial director reports RSU vesting and tax-share withholding

Filing Impact
(Moderate)
Filing Sentiment
(Positive)
Form Type
4

Rhea-AI Filing Summary

Axos Financial, Inc. director equity activity: A Form 4 reports that a director of Axos Financial, Inc. (AX) received 4,289 shares of Common Stock on November 14, 2025 following the vesting of previously granted Restricted Stock Units (RSUs) under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan. These RSUs vest on the one-year anniversary of their grant date.

Of the vested shares, 2,144 shares of Common Stock were retained by Axos Financial, Inc. in exchange for cash paid to the reporting person to cover tax liabilities on the vested RSUs. After these transactions, the director directly owned 11,148 shares of Common Stock. The filing also shows a new award of 3,615 RSUs, granted in connection with service on the Board of Directors, each representing a contingent right to receive one share of Common Stock, which fully vest on January 3, 2027.

Positive

  • None.

Negative

  • None.
Insider Carter Stefani D
Role Director
Type Security Shares Price Value
Exercise Restricted Stock Units 4,289 $0.00 --
Grant/Award Restricted Stock Units 3,615 $0.00 --
Exercise Common Stock 4,289 $79.12 $339K
Disposition Common Stock 2,144 $79.12 $170K
Holdings After Transaction: Restricted Stock Units — 0 shares (Direct); Common Stock — 13,292 shares (Direct)
Footnotes (1)
  1. Represents shares of Common Stock issued on November 14, 2024, following the vesting of Restricted Stock Units ("RSUs") which vest on the one-year anniversary of the date of grant. The RSUs were previously granted to the reporting person under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan. Represents shares of Common Stock retained by Axos Financial, Inc. in exchange for cash paid to the reporting person for tax liabilities in respect to the vested RSUs. The RSUs were granted to the reporting person under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan in connection with the reporting person's service as a member of the Board of Directors. Each RSU represents a contingent right to receive one share of Axos Financial, Inc. Common Stock. The RSUs fully vest on the one year anniversary of the grant date. The RSUs were granted to the reporting person under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan in connection with the reporting person's service as a member of the Board of Directors. The RSU's fully vest on January 3, 2027.
Form 4 Insider Transactions: What Each Field Means →
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
OMB APPROVAL
OMB Number: 3235-0287
Estimated average burden
hours per response: 0.5
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*
Carter Stefani D
(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)
11/14/2025
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(1) 11/14/2025 M 4,289 A $79.12 13,292 D
Common Stock 11/14/2025 D 2,144(2) D $79.12 11,148 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
Restricted Stock Units(3) (4) 11/14/2025 M 4,289 (5) (5) Common Stock 4,289 $0.0 0 D
Restricted Stock Units(6) (4) 11/14/2025 A 3,615 (7) (7) Common Stock 3,615 $0.0 3,615 D
Explanation of Responses:
1. Represents shares of Common Stock issued on November 14, 2024, following the vesting of Restricted Stock Units ("RSUs") which vest on the one-year anniversary of the date of grant. The RSUs were previously granted to the reporting person under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan.
2. Represents shares of Common Stock retained by Axos Financial, Inc. in exchange for cash paid to the reporting person for tax liabilities in respect to the vested RSUs.
3. The RSUs were granted to the reporting person under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan in connection with the reporting person's service as a member of the Board of Directors.
4. Each RSU represents a contingent right to receive one share of Axos Financial, Inc. Common Stock.
5. The RSUs fully vest on the one year anniversary of the grant date.
6. The RSUs were granted to the reporting person under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan in connection with the reporting person's service as a member of the Board of Directors.
7. The RSU's fully vest on January 3, 2027.
By: Derrick Walsh For: Stefani Carter 11/18/2025
** 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.

Source: View Original Filing on SEC EDGAR

FAQ

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

The Form 4 reports that a director of Axos Financial, Inc. (AX) had previously granted Restricted Stock Units vest, resulting in the issuance of 4,289 shares of Common Stock on November 14, 2025, and also received a new grant of 3,615 RSUs in connection with service on the Board of Directors.

How many Axos Financial (AX) shares did the director receive and retain after taxes?

The director received 4,289 shares of Axos Financial Common Stock upon RSU vesting. 2,144 shares were retained by Axos Financial, Inc. in exchange for cash paid to cover tax liabilities, leaving the director with 11,148 shares of Common Stock directly owned after the reported transactions.

What new RSUs did the Axos Financial (AX) director receive and when do they vest?

The director was granted 3,615 Restricted Stock Units under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan. Each RSU represents a contingent right to receive one share of Common Stock, and the filing states that these RSUs fully vest on January 3, 2027.

How are the Axos Financial (AX) RSUs structured for this director?

The filing explains that each Restricted Stock Unit (RSU) represents a contingent right to receive one share of Axos Financial, Inc. Common Stock. Certain RSUs vest on the one-year anniversary of the grant date, and another RSU grant of 3,615 units is scheduled to fully vest on January 3, 2027.

Why did Axos Financial (AX) retain some of the director’s shares from vested RSUs?

According to the explanation of responses, 2,144 shares of Common Stock were retained by Axos Financial, Inc. in exchange for cash paid to the reporting person for tax liabilities related to the vested RSUs. This is described as covering tax obligations arising from the RSU vesting.

Under which plan were the Axos Financial (AX) RSUs granted to the director?

The RSUs described in the Form 4 were granted under the Axos Financial, Inc. Amended and Restated 2014 Stock Incentive Plan, in connection with the director’s service as a member of the Board of Directors.