Needham Reaffirms Buy Rating on Axos Financial, Increases Price Target to $105
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 29 2025
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Should l Buy AX?
Source: Benzinga
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Analyst Views on AX
Wall Street analysts forecast AX stock price to rise
4 Analyst Rating
3 Buy
1 Hold
0 Sell
Strong Buy
Current: 94.550
Low
110.00
Averages
111.75
High
115.00
Current: 94.550
Low
110.00
Averages
111.75
High
115.00
About AX
Axos Financial Inc. is the holding company for Axos Bank (the Bank), Axos Clearing LLC and Axos Invest, Inc. The Bank provides consumer and commercial banking products through its digital online and mobile banking platforms. Its segments include Banking Business and Securities Business. The Banking Business Segment includes a broad range of banking services, including online banking, concierge banking, and mortgage, vehicle and unsecured lending through online, low-cost distribution channels to serve the needs of consumers and small businesses nationally. In addition, the Banking Business Segment focuses on depositing products nationwide to industry verticals. The Securities Business Segment includes the clearing broker-dealer, registered investment advisor custody business, and introducing broker-dealer lines of businesses. These lines of business offer products independently to their own customers as well as to Banking Business Segment clients.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Axos Bank Partners with Priority Rollfi to Enhance Digital Banking
- Partnership Announcement: Axos Bank has formed a new partnership with Priority Rollfi, selected through a competitive RFP process to provide embedded and white-label payroll and benefits technology infrastructure to enhance Axos's business banking platform.
- Technology Integration: By integrating Rollfi's modular API-based technology, Axos Bank will automate payroll processing, streamline tax compliance, and deliver connected employee benefits management, significantly improving client financial operations.
- Commitment to Digital Innovation: Recognized as one of the nation's most technology-forward financial institutions, Axos Bank's partnership underscores its ongoing commitment to digital innovation, aiming to provide modern, integrated solutions for commercial banking clients.
- Enhanced Market Competitiveness: Rollfi's technology infrastructure will enable Axos Bank to optimize client service and maintain flexibility, while fast deployment and full regulatory coverage will enhance its competitiveness in the financial services market.
See More
Wall Street Analysts Adjust Ratings
- Analyst Rating Changes: Top Wall Street analysts have adjusted their ratings on several companies, indicating a shift in market sentiment that could influence investor decisions and market trends.
- Upgrades and Downgrades: While specific upgrades and downgrades are not detailed, such changes typically have a direct impact on the stock prices of the affected companies, prompting investors to pay close attention to these shifts.
- Market Reaction Expectations: Adjustments in analyst ratings may lead to short-term volatility in the stocks involved, and investors should consider these professional insights when contemplating buy or sell actions.
- Investor Decision Impact: As analysts revise their views on stocks, investors may reassess their portfolios, potentially affecting overall market sentiment and liquidity.
See More
Axos Financial Reports Strong Q2 2026 Earnings Growth
- Significant Loan Growth: Axos Financial achieved $1.6 billion in net loan growth in Q2 2026, encompassing asset-based lending, commercial specialty loans, and equity financing, indicating strong performance across diversified financing operations and expected to enhance market share further.
- Net Interest Income Surge: The company reported net interest income of $331.6 million for the quarter, up approximately $41 million or 14% linked quarter, driven by balanced growth across various lending segments, which bolsters profitability and financial stability.
- Acquisition Impact: The completion of the Verdant acquisition on September 30 added $430 million in loans and $780 million in asset securitizations, contributing $18.9 million in noninterest income, thereby enriching revenue streams and enhancing overall financial performance.
- Optimistic Outlook: Management reiterated an annual loan growth target in the low to mid-teens, projecting loan growth of $600 million to $800 million for the current quarter, reflecting strong demand in commercial lending and a positive market outlook.
See More
Axos Financial Q2 Earnings Exceed Expectations
- Earnings Beat: Axos Financial reported a non-GAAP EPS of $2.25 for Q2, exceeding expectations by $0.18, indicating robust profitability growth.
- Significant Revenue Growth: The company achieved revenues of $385.09 million, reflecting a 25.1% year-over-year increase and surpassing market expectations by $39.2 million, showcasing successful business expansion.
- Loan and Asset Quality Improvement: As of December 31, 2025, net loan balances stood at $24.3 billion, up $1.6 billion year-over-year, while non-performing assets to total assets ratio improved to 0.56%, indicating ongoing asset quality enhancement.
- Deposit and Asset Management Growth: Total deposits reached $23.2 billion as of December 31, 2025, an increase of $2.4 billion from June 2025, with total assets under custody growing to $44.4 billion, reflecting strong performance in client asset management.
See More
Axos Financial Set to Announce Q2 Earnings on January 29
- Earnings Announcement Date: Axos Financial is set to release its Q2 earnings on January 29 after market close, with consensus EPS estimate at $2.07, reflecting a 13.7% year-over-year growth, which would further solidify its competitive position in the financial services sector.
- Revenue Growth Expectations: The anticipated revenue for Q2 stands at $345.89 million, marking a 12.3% year-over-year increase, indicating the company's sustained growth potential in loans and financial products, particularly following the Verdant acquisition.
- Historical Performance: Over the past two years, Axos Financial has beaten EPS estimates 100% of the time and has surpassed revenue estimates 88% of the time, showcasing its strong profitability and market adaptability.
- Expectation Revision Dynamics: In the last three months, EPS estimates have seen three upward revisions and two downward adjustments, while revenue estimates have experienced five upward revisions with no downward changes, reflecting increasing analyst confidence in the company's future performance.
See More
Alchera X CEO Michael Plaksin Recognized for Leadership and AI Innovations
- Leadership Recognition: Alchera X CEO Michael Plaksin has been nominated for the 2025 Executive Leadership (Visionary) Award, highlighting his significant contributions to driving innovation and operational efficiency, which enhances the company's reputation in the industry.
- Technological Impact: The FireScout technology from Alchera X has been deployed across over 5 million square miles globally, successfully protecting communities from wildfire threats, underscoring the company's core mission and technological advantages in public safety.
- Global Engagement: At CES 2026, Alchera X is collaborating with KOTRA to actively participate in industry discussions and strategic meetings, aiming to strengthen international relationships and evaluate emerging opportunities in global markets, thereby advancing the company's globalization strategy.
- Women in Leadership: Palak Kapasi, Head of Marketing and Public Relations, has been shortlisted for the Inspirational Women in Tech Leadership Awards, reflecting the company's commitment to gender equality and diversity, which enhances its brand image and social responsibility.
See More
Axos Bank Partners with Priority Rollfi to Enhance Digital Banking
- Partnership Announcement: Axos Bank has formed a new partnership with Priority Rollfi, selected through a competitive RFP process to provide embedded and white-label payroll and benefits technology infrastructure to enhance Axos's business banking platform.
- Technology Integration: By integrating Rollfi's modular API-based technology, Axos Bank will automate payroll processing, streamline tax compliance, and deliver connected employee benefits management, significantly improving client financial operations.
- Commitment to Digital Innovation: Recognized as one of the nation's most technology-forward financial institutions, Axos Bank's partnership underscores its ongoing commitment to digital innovation, aiming to provide modern, integrated solutions for commercial banking clients.
- Enhanced Market Competitiveness: Rollfi's technology infrastructure will enable Axos Bank to optimize client service and maintain flexibility, while fast deployment and full regulatory coverage will enhance its competitiveness in the financial services market.
See More
Wall Street Analysts Adjust Ratings
- Analyst Rating Changes: Top Wall Street analysts have adjusted their ratings on several companies, indicating a shift in market sentiment that could influence investor decisions and market trends.
- Upgrades and Downgrades: While specific upgrades and downgrades are not detailed, such changes typically have a direct impact on the stock prices of the affected companies, prompting investors to pay close attention to these shifts.
- Market Reaction Expectations: Adjustments in analyst ratings may lead to short-term volatility in the stocks involved, and investors should consider these professional insights when contemplating buy or sell actions.
- Investor Decision Impact: As analysts revise their views on stocks, investors may reassess their portfolios, potentially affecting overall market sentiment and liquidity.
See More
Axos Financial Reports Strong Q2 2026 Earnings Growth
- Significant Loan Growth: Axos Financial achieved $1.6 billion in net loan growth in Q2 2026, encompassing asset-based lending, commercial specialty loans, and equity financing, indicating strong performance across diversified financing operations and expected to enhance market share further.
- Net Interest Income Surge: The company reported net interest income of $331.6 million for the quarter, up approximately $41 million or 14% linked quarter, driven by balanced growth across various lending segments, which bolsters profitability and financial stability.
- Acquisition Impact: The completion of the Verdant acquisition on September 30 added $430 million in loans and $780 million in asset securitizations, contributing $18.9 million in noninterest income, thereby enriching revenue streams and enhancing overall financial performance.
- Optimistic Outlook: Management reiterated an annual loan growth target in the low to mid-teens, projecting loan growth of $600 million to $800 million for the current quarter, reflecting strong demand in commercial lending and a positive market outlook.
See More
Axos Financial Q2 Earnings Exceed Expectations
- Earnings Beat: Axos Financial reported a non-GAAP EPS of $2.25 for Q2, exceeding expectations by $0.18, indicating robust profitability growth.
- Significant Revenue Growth: The company achieved revenues of $385.09 million, reflecting a 25.1% year-over-year increase and surpassing market expectations by $39.2 million, showcasing successful business expansion.
- Loan and Asset Quality Improvement: As of December 31, 2025, net loan balances stood at $24.3 billion, up $1.6 billion year-over-year, while non-performing assets to total assets ratio improved to 0.56%, indicating ongoing asset quality enhancement.
- Deposit and Asset Management Growth: Total deposits reached $23.2 billion as of December 31, 2025, an increase of $2.4 billion from June 2025, with total assets under custody growing to $44.4 billion, reflecting strong performance in client asset management.
See More
Axos Financial Set to Announce Q2 Earnings on January 29
- Earnings Announcement Date: Axos Financial is set to release its Q2 earnings on January 29 after market close, with consensus EPS estimate at $2.07, reflecting a 13.7% year-over-year growth, which would further solidify its competitive position in the financial services sector.
- Revenue Growth Expectations: The anticipated revenue for Q2 stands at $345.89 million, marking a 12.3% year-over-year increase, indicating the company's sustained growth potential in loans and financial products, particularly following the Verdant acquisition.
- Historical Performance: Over the past two years, Axos Financial has beaten EPS estimates 100% of the time and has surpassed revenue estimates 88% of the time, showcasing its strong profitability and market adaptability.
- Expectation Revision Dynamics: In the last three months, EPS estimates have seen three upward revisions and two downward adjustments, while revenue estimates have experienced five upward revisions with no downward changes, reflecting increasing analyst confidence in the company's future performance.
See More
Alchera X CEO Michael Plaksin Recognized for Leadership and AI Innovations
- Leadership Recognition: Alchera X CEO Michael Plaksin has been nominated for the 2025 Executive Leadership (Visionary) Award, highlighting his significant contributions to driving innovation and operational efficiency, which enhances the company's reputation in the industry.
- Technological Impact: The FireScout technology from Alchera X has been deployed across over 5 million square miles globally, successfully protecting communities from wildfire threats, underscoring the company's core mission and technological advantages in public safety.
- Global Engagement: At CES 2026, Alchera X is collaborating with KOTRA to actively participate in industry discussions and strategic meetings, aiming to strengthen international relationships and evaluate emerging opportunities in global markets, thereby advancing the company's globalization strategy.
- Women in Leadership: Palak Kapasi, Head of Marketing and Public Relations, has been shortlisted for the Inspirational Women in Tech Leadership Awards, reflecting the company's commitment to gender equality and diversity, which enhances its brand image and social responsibility.
See More
