Axos Financial
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Axos Financial (AX) investor relations material

Axos Financial 28th Annual Needham Growth Conference Virtual summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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28th Annual Needham Growth Conference Virtual summary15 Jan, 2026

Business overview and growth

  • Evolved from a digital consumer bank to a diversified financial institution with commercial, treasury, securities, and consumer banking segments.

  • Holds $26–27 billion in bank assets and nearly $50 billion in assets under custody.

  • Emphasizes a technology-driven, vertically integrated approach for cost-effective client service.

  • Achieves above-industry organic loan and deposit growth with low credit losses due to business diversity.

  • Raised loan growth guidance recently, citing strong sustainability and business diversity.

Loan growth and market dynamics

  • Loan growth is supported by a diverse lending platform, allowing capital allocation to the best risk-adjusted returns.

  • Willingness to reduce originations in underperforming verticals and shift focus as market conditions change.

  • Recent loan growth outlook increase driven by improved yield curve, reduced competition, and resumption of 5/1 ARM originations.

  • Acquisition of Verdant adds predictable growth and boosts overall loan growth expectations.

M&A and strategic fit

  • Verdant acquisition provided immediate profitability by replacing expensive debt with deposit funding.

  • Cultural fit and synergy with existing floor plan financing team highlighted as key benefits.

  • Focus on acquiring national lending businesses with strong risk-adjusted returns and entrepreneurial teams.

  • Equipment leasing, especially through Verdant, is a current area of excitement and growth.

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Q2 202629 Jan, 2026
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Frequently asked questions

Axos Financial Inc. operates as a diversified financial services company offering consumer and business banking products. It provides services such as checking and savings accounts, lending, and investment management through digital channels. The company is headquartered in Las Vegas, Nevada, and its shares are listed on the NYSE.

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