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$43.37 -$0.18 (-0.4%)

04:00 PM EST on 12/05/23

Axos Finl Inc (NYSE:AX)

CAPS Rating: 4 out of 5

A holding company for Bank of Internet USA that provides consumer banking services, focusing on gathering retail deposits over the Internet and originating and purchasing multifamily, single-family and home equity mortgage loans.

Current Price $43.37 Mkt Cap $2.5B
Open $43.42 P/E Ratio 7.87
Prev. Close $43.37 Div. (Yield) $0.00 (0.0%)
Daily Range $42.51 - $43.67 Volume 649,920
52-Wk Range $32.05 - $51.46 Avg. Daily Vol. 842,874


How do you think NYSE:AX will perform against the market?

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All Players

819 Outperform
14 Underperform

All-Star Players

143 Outperform
1 Underperform

Wall Street

0 Outperform
0 Underperform

Top NYSE:AX Bull/Bear Pitches

The best Bull and Bear pitches based on recency and number of recommendations.

XMFmoatster (99.33)
Submitted November 19, 2020

One of the best banks to own is a bank you have never heard of. Price was $6.66 on Nov-2012, now $33.33Over the last 8 years, it has done better than all Canadian banks as well as India's superstar bank HDB (HDFC Bank).It's just not the stock that… More

TMFValueMagnet (67.16)
Submitted October 31, 2017

Mixed messages. I think we see some credit-related fireworks in the next twelve months.

Recent Community Commentary

Read the most recent pitches from players about AX.


Member Avatar TMFSecurity (93.43) Submitted: 11/23/2021 9:02:15 AM : Underperform Start Price: $39.31 NYSE:AX Score: -7.24



Member Avatar XMFmoatster (99.33) Submitted: 11/19/2020 5:56:51 PM : Outperform Start Price: $10.61 NYSE:AX Score: +135.42

One of the best banks to own is a bank you have never heard of.

Price was $6.66 on Nov-2012, now $33.33

Over the last 8 years, it has done better than all Canadian banks as well as India's superstar bank HDB (HDFC Bank).

It's just not the stock that has done well the business has grown as well.

Total Deposits were at $1.6 billion in 2012, and now at $11 billion
Shareholder equity grew from $206 million in 2012 to $1.6 billion now

The current market cap is $1.97 billion

Why is this bank so good?

Low efficiency ratio (basically lower the better)
Very nice ROE
Reasonably well managed NPA
Lots of room to grow deposits and loans because they are small in sie.
Real reason it is so successful is it is a branchless bank. Bank branches are expensive to maintain and inefficient. They are a huge cost to the bank. To compensate for the lack of branch, Axos gives more interest on checking and savings to attract deposits. The model has worked quite well over the last 8 years. We will see how it goes over the next 8.

With $11 billion at Axos and trillions at JPMorgan, Bank of America, Wells Fargo etc, Axos will never run out of growth prospects.

Banks are limited by their capital for growth. AXOS generates sufficiently high ROE to grow their book value, deposits, loans and profits. EPS now is $3.02 up from 64c in 2012 or $1.88 in 2016

If EPS grows at same pace as in last 4 years, for the next 8 years, we will get EPS of $12.50 by 2028 and stock price around $110 to $150 up from $33.37.


Member Avatar Donkey1007 (< 20) Submitted: 10/23/2020 12:21:11 PM : Outperform Start Price: $27.74 NYSE:AX Score: +23.42

A small cap online bank with no physical branches and two decades of operating history. Loan origination and earnings evidence high double-digit CAGR, while NPA's are well below 1% indicating robust credit quality (even during the pandemic), courtesy of sub 60% LTV's on most of the secured portfolio and prudent underwriting criteria. Efficiency ratio is exceptional given the low overhead model and high NIM. A compounding machine.


Find the members with the highest scoring picks in AX.

Score Leader


seanchile (34.30) Score: +1,140.42

The Score Leader is the player with the highest score across all their picks in AX.

Member Name Member
Call Time
Score Commentary
seanchile 34.30 8/24/2010 Outperform 3Y $2.76 +1,471.38% +330.96% +1,140.42 0 Comment
Klavierspieler 73.38 9/30/2010 Outperform 5Y $3.00 +1,348.08% +296.87% +1,051.21 0 Comment
pumacad 38.90 9/14/2010 Outperform 1Y $3.02 +1,336.09% +305.87% +1,030.23 0 Comment
osubucks30 < 20 8/19/2010 Outperform 1Y $3.02 +1,338.38% +323.56% +1,014.82 0 Comment
ScientistSteve < 20 9/13/2010 Outperform 5Y $3.09 +1,302.43% +305.58% +996.85 0 Comment
whatismoney 76.85 10/21/2010 Outperform 5Y $3.16 +1,271.38% +284.06% +987.32 0 Comment
ross812 87.52 2/19/2010 Outperform 3W $3.17 +1,268.14% +310.39% +957.75 0 Comment
safully1 34.10 10/19/2010 Outperform 5Y $3.24 +1,239.61% +288.00% +951.61 0 Comment
totalcellular 70.93 2/22/2010 Outperform 1Y $3.24 +1,237.55% +309.32% +928.23 0 Comment
soth12 45.32 7/28/2011 12/16/2015 Outperform 5Y $3.44 +1,161.67% +250.64% +911.04 0 Comment

Wall Street

See what the Wall Street professionals think, according to their public statements and filings.

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