Axos Financial, Inc.

For the period ended Jun 30, 2025. Filed Aug 21, 2025.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Aug 21, 2025

AX$93.92+1.3%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Signatures

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

		AXOS FINANCIAL, INC.
Date:	August 21, 2025	By:	/s/ Gregory Garrabrants
			Gregory GarrabrantsPresident and Chief Executive Officer

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Gregory Garrabrants and Derrick K. Walsh, jointly and severally, his or her attorneys-in-fact, each with the power of substitution, for him in any and all capacities, to sign any amendments to this Annual Report on Form 10-K, and file the same, with exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, hereby ratifying and confirming all that each of said attorneys-in-fact, or his substitute or substitutes, may do or cause to be done by virtue hereof.

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the Registrant as of August 21, 2025 in the capacities indicated:

Gregory Garrabrants
Signature	Title
/s/ Gregory Garrabrants	Chief Executive Officer (Principal Executive Officer), Director
/s/ Derrick K. Walsh	Chief Financial Officer (Principal Financial Officer)
Derrick K. Walsh
/s/ Ann Gill	Senior Vice President and Chief Accounting Officer (Principal Accounting Officer)
Ann Gill
/s/ Paul J. Grinberg	Chairman
Paul J. Grinberg
/s/ Nicholas A. Mosich	Vice Chairman
Nicholas A. Mosich
/s/ James S. Argalas	Director
James S. Argalas
/s/ Tamara N. Bohlig	Director
Tamara N. Bohlig
/s/ Stefani D. Carter	Director
Stefani D. Carter
/s/ James J. Court	Director
James J. Court
/s/ Uzair Dada	Director
Uzair Dada
/s/ Edward J. Ratinoff	Director
Edward J. Ratinoff
/s/ Roque A. Santi	Director
Roque A. Santi
/s/ Sara Wardell-Smith	Director
Sara Wardell-Smith

AXOS FINANCIAL, INC. AND SUBSIDIARIES

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

DESCRIPTION	PAGE
Report of Independent Registered Public Accounting Firm (BDO USA, P.C., San Diego, CA; PCAOB ID# 243)	F-1
Consolidated Balance Sheets	F-3
Consolidated Statements of Income	F-4
Consolidated Statements of Comprehensive Income	F-5
Consolidated Statements of Stockholders’ Equity	F-6
Consolidated Statements of Cash Flows	F-7
Notes to Consolidated Financial Statements	F-9
1. Organizations and Summary of Significant Accounting Policies	F-9
2. Acquisitions	F-18
3. Fair Value	F-18
4. Available-for-Sale Securities	F-24
5. Loans & Allowance for Credit Losses	F-26
6. Derivatives	F-32
7. Offsetting of Securities Financing Agreements	F-33
8. Customer, Broker-Dealer Clearing Receivables & Payables	F-34
9. Other Assets	F-34
10. Goodwill and Intangible Assets	F-37
11. Deposits	F-38
12. Advances from the Federal Home Loan Bank	F-38
13. Borrowings, Subordinated Notes and Debentures	F-39
14. Income Taxes	F-41
15. Stockholder’s Equity	F-43
16. Stock-Based Compensation	F-44
17. Earnings Per Common Share	F-46
18. Commitments, Contingencies, and Off-Balance-Sheet Activities	F-46
19. Regulatory Capital Requirements	F-47
20. Employee Benefit Plan	F-49
21. Parent-Only Condensed Financial Information	F-50
22. Segment Reporting	F-51

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.