STOCK TITAN

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

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

Michael James Watson, EVP, Head of Axos Securities, reported insider transactions on 09/15/2025. On that date vested restricted stock units (RSUs) converted to common stock: 1,572 shares and 1,055 shares were acquired via vesting, and an additional grant of 1,640 RSUs was made. Axos Financial withheld 846 and 568 shares for tax withholding in connection with the net-settlement of vested RSUs. After the transactions the reporting person beneficially owned 12,443, 11,388, and 13,028 shares reported across respective line items, with 487 shares held indirectly in a 401(k) plan.

Michael James Watson, EVP e Capo di Axos Securities, ha riferito operazioni di insider il 15/09/2025. In quella data le RSU maturate si sono convertite in azioni comuni: sono state acquisite via vesting 1.572 azioni e 1.055 azioni, e un ulteriore incarto di 1.640 RSU è stato concesso. Axos Financial ha trattenuto 846 e 568 azioni per le imposte in relazione al net-settlement delle RSU maturate. Dopo le operazioni la persona reportante deteneva beneficiariamente 12.443, 11.388, e 13.028 azioni riportate nelle rispettive linee, con 487 azioni detenute indirettamente in un piano 401(k).

Michael James Watson, vicepresidente ejecutivo y director de Axos Securities, informó operaciones de insiders el 15/09/2025. Ese día, las RSU vesting se convirtieron en acciones ordinarias: se adquirieron mediante vesting 1.572 acciones y 1.055 acciones, y se otorgó un tramo adicional de 1.640 RSU. Axos Financial retuvo 846 y 568 acciones para impuestos en relación con el net-settlement de las RSU adquiridas. Tras las operaciones, la persona informante poseía beneficiosamente 12.443, 11.388, y 13.028 acciones reportadas en las respectivas líneas, con 487 acciones mantenidas indirectamente en un plan 401(k).

Michael James Watson, EVP 겸 Axos Securities 책임자, 2025년 9월 15일 내부자 거래를 보고했습니다. 해당일에 가속취득된 RSU가 보통주로 주식으로 전환되었으며: 1,572주와 1,055주가 취득되었고 추가로 1,640 RSU가 부여되었습니다. Axos Financial은 순정산에 따른 RSU 실현과 관련하여 세금 원천징수로 846주와 568주를 보유했습니다. 거래 후 보고자는 각 행에 따라 12,443, 11,388, 13,028주를 유익하게 소유했으며, 간접적으로 401(k) 계획에서 487주를 보유하고 있습니다.

Michael James Watson, vice-président exécutif et responsable d’Axos Securities, a signalé des opérations d’initiés le 15/09/2025. À cette date, les unités d’actions restreintes acquises (RSU) sont converties en actions ordinaires: 1 572 actions obtenues par voie de vesting et 1 055 actions supplémentaires, et une attribution supplémentaire de 1 640 RSU a été accordée. Axos Financial a retenu 846 et 568 actions pour l’imposition lors du règlement net des RSU acquises. Après les transactions, la personne déclarante détenait de manière bénéficiaire 12 443, 11 388, et 13 028 actions, respectivement indiquées dans les lignes, avec 487 actions détenues indirectement dans un plan 401(k).

Michael James Watson, EVP und Leiter von Axos Securities, hat Insider-Transaktionen am 15.09.2025 gemeldet. An diesem Datum wurden vestete Restricted Stock Units (RSUs) in Stammaktien umgewandelt: 1.572 Aktien durch Vesting erworben und 1.055 Aktien zusätzlich erworben, und eine weitere Zuteilung von 1.640 RSUs erfolgte. Axos Financial behielt 846 und 568 Aktien zur Steuerabführung im Zusammenhang mit der Netsettlement der vesteten RSUs. Nach den Transaktionen besaß die meldende Person vorteilhaft 12.443, 11.388 und 13.028 Aktien, die in den jeweiligen Positionen angegeben wurden, wobei 487 Aktien indirekt in einem 401(k)-Plan gehalten wurden.

Michael James Watson، نائب الرئيس التنفيذي ورئيس Axos Securities، أبلغ عن معاملات داخلية في 15/09/2025. في ذلك التاريخ تحولت وحدات الأسهم المقيدة المكتسبة (RSUs) إلى أسهم عادية: اكتُسبت 1,572 سهمًا عبر الاستحقاق و<0b>1,055 سهمًا إضافيًا، وتم منح دفعة إضافية من 1,640 RSU. أمْتَنعت Axos Financial عن اقتطاع 846 و 568 سهمًا للضرائب فيما يتعلق بالتسوية الصافية لـ RSU المستحقّة. بعد المعاملات امتلك الشخص المبلغ عنه بشكل فعّال 12,443 و 11,388 و 13,028 سهمًا كما ذكرت في السطور المعنية، مع 487 سهمًا محتفظة بشكل غير مباشر في خطة 401(k).

迈克尔·詹姆斯·沃森(Michael James Watson),执行副总裁兼 Axos Securities 负责人,已于 2025 年 9 月 15 日披露内幕交易。 该日期的归属受限股票单位(RSU)已转换为普通股:通过归属获得 1,572 股,另外获得 1,055 股,并且再授予 1,640 股 RSU。Axos Financial 就净结算的 RSU 税收代扣,分别扣留 846 股和 568 股。交易完成后,申报人实际持有并受益的股票分别为 12,44311,38813,028 股,列在相应行中,其中通过间接方式在 401(k) 计划中持有 487 股。

Positive
  • RSU vesting and new grant are documented, showing executive compensation awarded under the companys 2014 Stock Incentive Plan
  • Exact share counts and tax-withholding amounts provided (1,572; 1,055; 846; 568; 1,640), enabling clear auditability
Negative
  • Net-share settlement reduced issued shares to the reporting person via withholding of 846 and 568 shares
  • No information on grant date fair value or total grant value is provided in the filing text

Insights

TL;DR: Routine compensation-related equity activity; vesting and grant of RSUs with net-share withholding noted.

The Form 4 discloses standard equity compensation mechanics: two tranches of RSUs vested into common stock on 09/15/2025 totaling 2,627 shares acquired, with 1,414 shares withheld for taxes across those issuances. A separate grant of 1,640 RSUs was also reported the same date. These entries reflect non-cash, compensation-driven share issuance and internal tax settlement rather than open-market purchases or sales, so the immediate market-impact is typically limited. The filing shows direct ownership increases and continued use of the companys 2014 Stock Incentive Plan and dividend equivalent rights tied to RSUs.

TL;DR: Standard disclosure of executive equity vesting and new grant; governance controls appear followed.

The disclosure indicates RSUs granted under the Axos Financial, Inc. 2014 Stock Incentive Plan and vesting on scheduled anniversaries, including dividend equivalent rights. Net-settlement withholding of shares for tax obligations is documented with exact share counts (846 and 568). The Form 4 is signed by a designee and dated 09/17/2025, meeting Section 16 reporting requirements for an insider transaction notice. No departures from routine governance or unusual transfer mechanisms are shown in the filing text.

Michael James Watson, EVP e Capo di Axos Securities, ha riferito operazioni di insider il 15/09/2025. In quella data le RSU maturate si sono convertite in azioni comuni: sono state acquisite via vesting 1.572 azioni e 1.055 azioni, e un ulteriore incarto di 1.640 RSU è stato concesso. Axos Financial ha trattenuto 846 e 568 azioni per le imposte in relazione al net-settlement delle RSU maturate. Dopo le operazioni la persona reportante deteneva beneficiariamente 12.443, 11.388, e 13.028 azioni riportate nelle rispettive linee, con 487 azioni detenute indirettamente in un piano 401(k).

Michael James Watson, vicepresidente ejecutivo y director de Axos Securities, informó operaciones de insiders el 15/09/2025. Ese día, las RSU vesting se convirtieron en acciones ordinarias: se adquirieron mediante vesting 1.572 acciones y 1.055 acciones, y se otorgó un tramo adicional de 1.640 RSU. Axos Financial retuvo 846 y 568 acciones para impuestos en relación con el net-settlement de las RSU adquiridas. Tras las operaciones, la persona informante poseía beneficiosamente 12.443, 11.388, y 13.028 acciones reportadas en las respectivas líneas, con 487 acciones mantenidas indirectamente en un plan 401(k).

Michael James Watson, EVP 겸 Axos Securities 책임자, 2025년 9월 15일 내부자 거래를 보고했습니다. 해당일에 가속취득된 RSU가 보통주로 주식으로 전환되었으며: 1,572주와 1,055주가 취득되었고 추가로 1,640 RSU가 부여되었습니다. Axos Financial은 순정산에 따른 RSU 실현과 관련하여 세금 원천징수로 846주와 568주를 보유했습니다. 거래 후 보고자는 각 행에 따라 12,443, 11,388, 13,028주를 유익하게 소유했으며, 간접적으로 401(k) 계획에서 487주를 보유하고 있습니다.

Michael James Watson, vice-président exécutif et responsable d’Axos Securities, a signalé des opérations d’initiés le 15/09/2025. À cette date, les unités d’actions restreintes acquises (RSU) sont converties en actions ordinaires: 1 572 actions obtenues par voie de vesting et 1 055 actions supplémentaires, et une attribution supplémentaire de 1 640 RSU a été accordée. Axos Financial a retenu 846 et 568 actions pour l’imposition lors du règlement net des RSU acquises. Après les transactions, la personne déclarante détenait de manière bénéficiaire 12 443, 11 388, et 13 028 actions, respectivement indiquées dans les lignes, avec 487 actions détenues indirectement dans un plan 401(k).

Michael James Watson, EVP und Leiter von Axos Securities, hat Insider-Transaktionen am 15.09.2025 gemeldet. An diesem Datum wurden vestete Restricted Stock Units (RSUs) in Stammaktien umgewandelt: 1.572 Aktien durch Vesting erworben und 1.055 Aktien zusätzlich erworben, und eine weitere Zuteilung von 1.640 RSUs erfolgte. Axos Financial behielt 846 und 568 Aktien zur Steuerabführung im Zusammenhang mit der Netsettlement der vesteten RSUs. Nach den Transaktionen besaß die meldende Person vorteilhaft 12.443, 11.388 und 13.028 Aktien, die in den jeweiligen Positionen angegeben wurden, wobei 487 Aktien indirekt in einem 401(k)-Plan gehalten wurden.

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*
Watson Michael James

(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)
Director 10% Owner
Officer (give title below) X Other (specify below)
EVP, Head of Axos Securities
3. Date of Earliest Transaction (Month/Day/Year)
09/15/2025
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) 09/15/2025 M 1,572 A $90.29 4,513 D
Common Stock(1) 09/15/2025 M 1,055 A $90.29 5,568 D
Common Stock 09/15/2025 D 846(2) D $90.29 4,722 D
Common Stock 09/15/2025 D 568(2) D $90.29 4,154 D
Common Stock 487 I 401(k) Plan
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) $0.0(4) 09/15/2025 M 1,572 (5) (5) Common Stock 1,572 $0.0 12,443 D
Restricted Stock Units(3) $0.0(4) 09/15/2025 M 1,055 (5) (5) Common Stock 1,055 $0.0 11,388 D
Restricted Stock Units(6) $0.0(4) 09/15/2025 A 1,640 (5) (5) Common Stock 1,640 $0.0 13,028 D
Explanation of Responses:
1. Represents shares of Common Stock issued on September 15, 2025, following the vesting of Restricted Stock Units ("RSUs") which vest as to one-third of the shares on each anniversary of the date of grant. The RSUs were previously granted to the reporting person under the Axos Financial, Inc. 2014 Amended and Restated 2014 Stock Incentive Plan.
2. Represents shares of Common Stock retained by Axos Financial, Inc. for tax withholding purposes in connection with the net-settlement on the issuance of shares of Common Stock in respect to the vested RSUs.
3. The RSUs were granted to the reporting person under the Axos Financial, Inc. 2014 Stock Incentive Plan. The RSUs are accompanied by dividend equivalent rights.
4. Each RSU represents a contingent right to receive one share of Axos Financial, Inc. Common Stock.
5. The RSUs vest as to one-third of the shares on each anniversary date of grant.
6. Grant to the reporting person on September 15, 2025 of restricted stock units ("RSUs") under the Axos Financial, Inc. 2014 Stock Incentive Plan.
By: Derrick Walsh For: Michael Watson 09/17/2025
** 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 insider transactions did Axos Financial (AX) report for Michael Watson on 09/15/2025?

The filing shows RSU vesting that converted to 1,572 and 1,055 shares acquired, tax-withholding of 846 and 568 shares, and a grant of 1,640 RSUs on 09/15/2025.

How many shares were withheld for taxes in the reported transactions?

846 and 568 shares were retained by Axos Financial for tax withholding in connection with the net-settlement of vested RSUs.

Under which plan were the RSUs granted to the reporting person?

The RSUs were granted under the Axos Financial, Inc. 2014 Stock Incentive Plan.

How many RSUs were granted to Michael Watson on 09/15/2025?

A grant of 1,640 restricted stock units (RSUs) to the reporting person is reported for 09/15/2025.

Does the filing show any indirect holdings for the reporting person?

Yes, the filing reports 487 shares held indirectly in a 401(k) plan.
Axos Financial Inc

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Banks - Regional
Savings Institution, Federally Chartered
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United States
LAS VEGAS