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AI brief of an SEC Form 8-K · Axos Financial (AX)

Axos Q1 net income flat at $112.4 million; diluted EPS $1.94 vs. $1.93

Positive Impact 3 of 5 earnings Written later

Axos Financial reported fiscal first quarter 2026 results for the period ended September 30, 2025, with net income of $112.4 million, essentially unchanged from a year earlier, and diluted EPS of $1.94 versus $1.93. Adjusted EPS rose 5.6% to $2.07, while net interest income fell 0.3% and the provision for credit losses rose to $17.3 million, driven partly by the Verdant acquisition. Shareholders get modest EPS growth, but net interest margin narrowed to 4.75% from 4.84% in the prior quarter.

Key points

  • Net income was $112.4 million and diluted EPS was $1.94, compared with $112.3 million and $1.93 a year earlier.
  • Adjusted EPS, a non-GAAP measure, rose to $2.07 from $1.96 a year earlier.
  • Ending net loans were $22.6 billion at September 30, 2025, including $1.0 billion from the Verdant acquisition, which closed September 30, 2025, and $565.2 million of organic net loan growth.
  • Net interest margin was 4.75%, down from 4.84% in the June 30, 2025 quarter; provision for credit losses was $17.3 million versus $14.0 million a year earlier.

The filing

CompanyAxos Financial (AX)
Form8-K, current report
Filed with the SECOct 30, 2025, 4:08 PM ET
Accession number0001299709-25-000183

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:05 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 30, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.