AX
Axos FinancialCNYSE / Banks
Last Price
At close
2026-07-21
Current thesis
The bullish read is that Axos still produced double-digit year-over-year growth in net interest income, net income, EPS, loans, deposits, and book value, while management framed reserve pressure as partly tied to one C&I credit and growth rather than a broad real-estate credit break; the pending Jenius and Capital One deposit acquisitions could also improve funding flexibility if closed and integrated smoothly.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.1.
What can break
FHLB advances increased to about $1.805 billion at March 31, 2026 from $60 million at June 30, 2025, raising sensitivity to funding mix and wholesale funding dependence.
Momentum
62
Value
46
Sentiment
50
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $96.00 · Bull $108.00 · Bear $74.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-03 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $110.86
Why
Momentum62 · Δ7d -6.4
Value46 · Δ7d +0.1
Sentiment50 · Δ7d -3.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
62
26% active weight
Current posture
7d trendSoftening
Δ7d
-6.4
Δ21d
+13.0
Value
46
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+1.0
Sentiment
50
34% active weight
Current posture
7d trendSoftening
Δ7d
-3.1
Δ21d
-4.9
Why this grade
Composite grade C. Momentum 62.4 / Value 45.6 / Sentiment 49.7
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$5.54B
Beta
1.27
Shares Out
56.88M
P/E (TTM)
11.8
P/S (TTM)
4.02
P/FCF (TTM)
10.30
Rev YoY
+21.1%
EPS YoY
+18.7%
Gross Margin
-
Op Margin
+47.9%
Net Debt
-$1.61B
Current Ratio
0.47
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology