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Axos Financial FY Conference Summary Company Overview - **Company**: Axos Financial (NYSE:AX) - **History**: Founded as a digitally enabled consumer bank, evolved into a full-service financial institution with three main segments: commercial banking, treasury management, and securities business [4][5] - **Assets**: Approximately $26-27 billion in bank assets and nearly $50 billion in assets under custody [5] Core Business Segments - **Commercial Bank**: Offers nationwide lending services across various industry-focused verticals - **Treasury Management**: Provides a full suite of treasury management and banking products - **Securities Business**: Includes custody, RIA custody, and clearing services for introducing broker-dealers - **Consumer Digital Bank**: Offers loans and deposits, with a significant single-family mortgage division [4][5] Growth and Performance - **Loan and Deposit Growth**: Achieved organic growth above industry averages while maintaining low credit losses [6] - **Sustainability of Growth**: The company raised its loan growth guidance, indicating confidence in sustaining growth due to business diversity [7][11] - **Diversity of Lending Platform**: The ability to shift focus among various lending verticals allows for better risk-adjusted returns [7][8] Market Dynamics - **Interest Rate Environment**: The company has adapted to changing interest rates, with a more positively sloped yield curve improving loan origination conditions [12][20] - **Competitive Landscape**: Fewer competitors in certain lending areas have allowed Axos to regain market share [12][13] M&A Activity - **Verdant Acquisition**: The acquisition of Verdant was strategic due to cultural fit and the potential for immediate profitability through improved funding [14][15] - **Future M&A Focus**: Looking for national lending businesses with good risk-adjusted returns and entrepreneurial teams [15][16] Fee Income and Revenue Streams - **Impact of Verdant**: Expected to significantly boost fee income through various operating leases [27][30] - **Mortgage Banking Outlook**: Anticipated improvement in mortgage banking fees with potential rate decreases [28][29] Technology and AI Integration - **AI Utilization**: AI is being leveraged in software development, internal operations, and data management, leading to increased efficiency and faster product development [31][34] - **Product Development**: Plans to roll out new products, including crypto trading, and enhance existing platforms for better integration and user experience [41][44] Challenges and Opportunities - **Regulatory Environment**: Acknowledgment of increasing competition from new charters and fintechs, but a positive outlook on the regulatory landscape [48] - **Credit Quality**: Overall positive sentiment regarding credit quality, particularly in real estate [48] Conclusion - **Outlook**: The company expresses optimism for the future, driven by advancements in AI, successful integration of Verdant, and a favorable interest rate environment [49]

LAS VEGAS--(BUSINESS WIRE)--Axos Financial, Inc. (NYSE: AX) ("Axos†or the "Company†), holding company for Axos Bank, Axos Clearing LLC, and Axos Invest, Inc., announced today that it will host a conference call on Thursday, January 29, 2026 at 5:00 PM ET (2:00 PM PT) to discuss financial results for the second quarter of fiscal year 2026 ended December 31, 2025. Executive management will discuss the Company's second quarter fiscal 2026 results on the call. The Company plans to distribute its e. ...

Core Points - The Axos ONE® Checking account has a base APY of 0.00% and the Axos ONE® Savings account has a base APY of up to 1.00% [2] - Promotional APY is available for both accounts if specific criteria are met during the Qualification Period, which runs from the first business day of the month to the 25th [3] - To qualify for the promotional APY, the Axos ONE® Checking account must meet either of two sets of requirements related to direct deposits and average daily balance [7] Qualification Criteria - Option 1 requires monthly qualifying direct deposits of at least $1,500 and an average daily balance of at least $1,500 [7] - Option 2 requires monthly qualifying deposits of at least $5,000 and an average daily balance of at least $5,000 [7] - If the requirements are met, the Axos ONE® Checking account earns a promotional rate of 0.51% APY and the Axos ONE® Savings account can earn up to 4.31% APY for that statement cycle [7] Account Status - Both accounts must be open and active on the 25th of the month and on the date interest is paid to qualify for the promotional APY [6] - If either account closes during the Qualification Period, neither account will be eligible for the promotional APY for that cycle [6] Deposit Types - Qualifying deposits include ACH transfers, inbound wire transfers, and check deposits, while internal transfers and interest payments do not qualify [5][4]

PresentationElisabeth Wigmore Thank you so much. This is a long script today. And unfortunately, David Attenborough and others were not available to do it, so you're stuck with me. My apologies. Okay. Good morning. My name is Lis Wigmore, and I am a Trustee and the Chair of the Special Committee of the Board of Trustees. I will act as Chair of this meeting. On behalf of the Board of Trustees, all of whom are in attendance today, I welcome you to the special meeting of the holders of common units, Series E ...

Core Points - The Axos ONE® Checking account has a base APY of 0.00% and the Axos ONE® Savings account has a base APY of up to 1.00% [2] - Promotional APY is available for both accounts if specific criteria are met during the Qualification Period [3][6] - The promotional APY for the Axos ONE® Checking account can reach up to 0.51% and for the Axos ONE® Savings account up to 4.31% when requirements are satisfied [6] Qualification Criteria - To qualify for the promotional APY, the Axos ONE® Checking account must receive monthly qualifying direct deposits of at least $1,500 or maintain an average daily balance of at least $1,500 [6] - Alternatively, the account can qualify by receiving monthly qualifying deposits of at least $5,000 or maintaining an average daily balance of at least $5,000 [6] - Both accounts must remain open and active on the 25th of the month to receive the promotional APY for that statement cycle [7] Deposit Types - Qualifying deposits include ACH transfers from external accounts, inbound wire transfers, and check deposits [5] - Direct deposits must be electronic deposits of paychecks or government benefits; other types of deposits do not qualify [4] - Internal transfers, interest payments, promotional bonuses, and refunds are not considered qualifying deposits [5]

Core Insights - The article discusses the increasing difficulty in finding truly free checking accounts, while highlighting that legitimate options still exist, particularly among online banks and select brick-and-mortar institutions [1][2]. Best Free Checking Accounts - U.S. Bank Smartly® Checking offers up to $450 for new account openings, with additional features like no ATM fees at U.S. Bank ATMs and access to budgeting tools [4][7]. - Rewards Checking Plus via Upgrade provides a cash-back program with 2% cash back on eligible purchases for accounts with a monthly direct deposit of at least $1,000 [5][8]. - Wealthfront Cash Account offers a $30 bonus for new accounts funded with at least $500, along with a competitive yield and no ongoing balance requirements [12][13]. - GO2bank features a high APY of 4.50% on savings and offers early direct deposit options [19][20]. - Chime® Checking Account provides a 4.50% APY on savings up to $5,000 and up to 7% cash back on eligible purchases [21][22]. - Capital One 360 Checking has no minimum balance requirements and includes features like mobile deposit and real-time alerts [27][28]. Features and Benefits - Many accounts offer no monthly fees, no minimum balance requirements, and access to extensive ATM networks [39][43]. - Some accounts provide budgeting tools and high APYs on linked savings accounts, enhancing overall usability [49][47]. - Debit card rewards programs are available, with some accounts offering significant cash back on everyday purchases [48][43]. Considerations for Choosing Accounts - It is essential to evaluate the APY, cashback rewards, and any potential fees associated with the accounts [64][61]. - Users should consider the mobile app's functionality and customer service reviews when selecting a bank [64][63].

Core Viewpoint - Investors in Axos Financial, Inc. should closely monitor the stock due to significant movements in the options market, particularly the high implied volatility of the Jan 16, 2026 $32.2 Call option [1] Group 1: Implied Volatility - Implied volatility indicates the market's expectations for future stock movement, with high levels suggesting potential significant price changes or upcoming events that could lead to a rally or sell-off [2] - The current high implied volatility for Axos Financial options may signal a developing trading opportunity, as options traders often seek to sell premium on such options to capture decay [4] Group 2: Analyst Insights - Axos Financial holds a Zacks Rank 3 (Hold) within the Financial - Miscellaneous Services industry, which is in the top 30% of the Zacks Industry Rank [3] - Over the past 60 days, the Zacks Consensus Estimate for Axos Financial's current quarter earnings has increased from $1.98 per share to $2.01 per share, indicating positive sentiment among analysts [3]

Core Points - The Axos ONE® Checking account has a base APY of 0.00%, while the Axos ONE® Savings account offers a base APY of up to 1.00% [3] - Promotional APY rates are available for both accounts if specific criteria are met during the Qualification Period [3][4] - The promotional APY for the Checking account can reach 0.51% and for the Savings account up to 4.51% if qualifying conditions are satisfied [8] Qualification Criteria - Two options are provided to qualify for the promotional APY on the Axos ONE® Checking account, which include meeting minimum direct deposit or average daily balance requirements [8] - Qualifying deposits must come from specific sources such as ACH transfers, inbound wire transfers, or check deposits, while internal transfers and other types of deposits do not qualify [6] - Both accounts must remain open and active on the 25th of the month to be eligible for the promotional APY for that statement cycle [7]

Core Insights - Axos Financial operates as a digitally native bank with two primary revenue streams: core banking and a growing securities division through Axos Advisory Services and Axos Invest, which contribute to a structurally low-cost base and diversified income sources [1] Company Overview - The company has a core banking segment that provides stable revenue, while its securities division is expanding, indicating potential for future growth [1] Investment Strategy - The investment approach focuses on quantitative and fundamental analysis, particularly in small to mid-cap stocks, emphasizing a value-investing strategy that avoids overpaying for stocks to mitigate risk [1]