Axos Financial Inc 2026年季度报告

FORM 10-Q☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2025☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-37709 AXOS FINANCIAL, INC. (Exact name of registrant as specified in its charter) 33-0867444(I.R.S. EmployerIdentification No.) Delaware (State or other jurisdiction ofincorporation or organization) 9205 West Russell Road, Suite 400,Las Vegas,NV89148(Address of principal executive offices) (zip code) Registrant’s telephone number, including area code: (858) 649-2218 Securities registered pursuant to Section12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to suchfiling requirements for the past 90 days.☒Yes☐No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submitsuch files).☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, oran emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).☐Yes☒No AXOS FINANCIAL, INC. INDEX PagePARTI – FINANCIAL INFORMATIONITEM1.FINANCIAL STATEMENTSCondensed Consolidated Balance Sheets (unaudited)Condensed Consolidated Statements of Income (unaudited)Condensed Consolidated Statements of Comprehensive Income (unaudited)Condensed Consolidated Statements of Stockholders’ Equity (unaudited)Condensed Consolidated Statements of Cash Flows (unaudited)Notes to Condensed Consolidated Financial Statements (unaudited)1. Summary of Significant Accounting Policies2. Acquisitions3. Fair Value4. Available-for-Sale Securities5. Loans & Allowance for Credit Losses6. Derivatives7. Offsetting of Derivatives and Securities Financing Agreements8. Stockholders’ Equity and Stock-Based Compensation9. Earnings per Common Share10. Commitments and Contingencies11. Segment Reporting and Revenue Information12. Borrowings, Subordinated Notes and Debentures13. Other Assets14. Variable Interest EntitiesITEM2.MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIALCONDITION AND RESULTS OF OPERATIONSUSE OF NON-GAAP MEASURESSELECTED FINANCIAL INFORMATIONRESULTS OF OPERATIONSSEGMENT RESULTSFINANCIAL CONDITIONLIQUIDITYCAPITAL RESOURCES AND REQUIREMENTSITEM3.QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKITEM4.CONTROLS AND PROCEDURESPARTII – OTHER INFORMATIONITEM1.LEGAL PROCEEDINGSITEM1A.RISK FACTORSITEM2.UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDSITEM3.DEFAULTS UPON SENIOR SECURITIESITEM4.MINE SAFETY DISCLOSURESITEM5.OTHER INFORMATIONITEM6.EXHIBITSSIGNATURES PART I – FINANCIAL INFORMATION AXOS FINANCIAL, INC.CONDENSED CONSOLIDATED BALANCE SHEETS(Unaudited) AXOS FINANCIAL, INC.CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME(Unaudited) AXOS FINANCIAL, INC.CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY(Unaudited) AXOS FINANCIAL, INC.CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY(Unaudited) AXOS FINANCIAL, INC.CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited) AXOS FINANCIAL, INC.CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited) AXOS FINANCIAL, INC.NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTSFOR THE THREE AND SIX MONTH PERIODS ENDED DECEMBER 31, 2025 AND 2024(Unaudited) 1.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation The condensed consolidated financial statements include the accounts of Axos Financial, Inc. and its wholly ownedsubsidiaries (“Axos” or the “Company”). Axos Bank (the “Bank”), its wholly owned subsidiaries, the activities of three lending-related trust entities and certain other lending activity constitute the Banking Business Segment, and Axos Securities, LLC and itswholly owned subsidiaries constitute the Securities Business Segment. All significant intercompany balances and transactions havebeen eliminated in consolidation.