OakChart

Axos Financial Inc

AXFinancial·Banks - Regional·USA·Mid·NYSE·Nov 11 • 8:45 AM ET

92.80+0.63 (0.68%)
2026-11-11 14:59 CET
Market cap
5,227.97 USD m
Revenue, TTM
- USD m
Net income, TTM
507.67 USD m
Free cash flow, TTM
391.62 USD m
EPS diluted, TTM
8.79
P/E
10.56
Compare

Price

AX against its 20, 50 and 200-day averages
2050200missearnings
90.00100.00963K1.9MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26AXclose 92.8020-day 91.6450-day 90.99200-day 92.3292.80

12.2% under 105.74 on 4 Aug 2026. Last 15 sessions, 8.8% high to low

Profile

AX
52-week range, 58% of the way up
74.89105.74

Axos Financial, Inc. is a holding company, which engages in the provision of banking and financing services. It operates through the Banking Business and Securities Business segments. The Banking Business segment includes online banking, concierge banking, prepaid card services, mortgage, vehicle, unsecured lending through online, and telephonic distribution channels. The Securities Business segment involves clearing broker-dealer, registered investment advisor, and introducing broker-dealer lines of businesses. The company was founded on July 6, 1999 and is headquartered in Las Vegas, NV.

IndexRUT
Employees2191
IPOMar 15, 2005
Beta1.32
ATR, 14d2.65
Rel volume0.03
Short float5.94%
Insider own4.49%
Inst own85.84%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap5.26B
Enterprise Value-
Income507.67M
Sales2.27B
Book/sh57.92
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees2191
IPOMar 15, 2005

Ratios

P/E10.56
Forward P/E8.51
PEG-
P/S2.32
P/B1.60
P/C-
P/FCF13.44
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.56
Debt/Eq0.35
LT Debt/Eq0.28
Option/ShortYes / Yes

Earnings

EPS (ttm)8.79
EPS next Y10.91
EPS next Q2.36
EPS this Y13.66%
EPS next Y13.19%
EPS next 5Y-
EPS past 3/5Y18.68% 18.94%
Sales past 3/5Y19.69% 24.64%
EPS Y/Y TTM17.33%
Sales Y/Y TTM17.68%
EPS Q/Q15.85%
Sales Q/Q16.63%
EarningsOct 29 AMC
EPS/Sales Surpr.-0.25% 2.27%

Ownership

Insider Own4.49%
Insider Trans-0.22%
Inst Own85.84%
Inst Trans2.13%
ROA1.74%
ROE16.69%
ROIC12.08%
Gross Margin-
Oper. Margin29.56%
Profit Margin22.33%
SMA201.26%
SMA501.99%
SMA2000.52%
Trades-

Technical

Shs Outstand56.78M
Shs Float54.18M
Short Float5.94%
Short Ratio9.26
Short Interest3.22M
52W High105.74 -12.24%
52W Low74.89 23.92%
Volatility3.60% 2.65%
ATR (14)2.65
RSI (14)53.37
Beta1.32
Rel Volume0.03
Avg Volume347.65K
Volume605

Performance

Perf Week-1.87%
Perf Month5.01%
Perf Quarter-7.95%
Perf Half Y12.05%
Perf YTD7.71%
Perf Year13.27%
Perf 3Y156.14%
Perf 5Y55.97%
Perf 10Y310.62%
Recom1.29
Target Price117.71
Prev Close92.17
Price92.80
Change %0.68%

Analyst ratings

latest 10 of 17
DateActionAnalystRating changeTargetImplied
Jul 09, 2026InitiatedTThe Benchmark CompanyBuy$115+23.9%
Apr 07, 2026UpgradeRRaymond JamesOutperform → Strong Buy$100+7.8%
May 21, 2025InitiatedJJefferiesBuy$90-3.0%
Oct 11, 2024InitiatedNNeedhamBuy$82-11.6%
Jul 31, 2024DowngradeKKeefe BruyetteOutperform → Mkt Perform$79-14.9%
Feb 21, 2023DowngradeRRaymond JamesStrong Buy → Outperform$55-40.7%
Jul 11, 2022UpgradeKKeefe BruyetteMkt Perform → Outperform$52 → $56-39.7%
Jun 30, 2022DowngradeWWedbushOutperform → Neutral
Jan 28, 2022UpgradeRB. Riley SecuritiesNeutral → Buy$62-33.2%
Oct 06, 2021DowngradeRB. Riley SecuritiesBuy → Neutral$54-41.8%

Peers

Mkt cap
TickerCompanyMkt cap
CUBICustomers Bancorp Inc2.84B
WALWestern Alliance Bancorp8.21B
BANCBanc of California Inc2.88B
LOBLive Oak Bancshares Inc1.60B
TBBKBancorp Inc1.95B
ALLYAlly Financial Inc11.27B
SOFISoFi Technologies Inc21.60B
VBNKVersaBank778.73M
CASHPathward Financial Inc1.56B
NPBNorthpointe Bancshares Inc547.78M

Insider trading

latest 14 of 68
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Constantine Thomas MEVP, Chief Credit OfficerNov 09 '26Sale94.7291386,47917,085Nov 10 06:35 PM
THOMAS CONSTANTINEOfficerNov 09 '26Proposed Sale94.7291386,479Nov 09 04:07 PM
THIELE CANDACE LEVP, Chief Administrative OffiSep 15 '26Option Exercise92.681,122103,9872,130Sep 16 07:36 PM
Walsh DerrickEVP, Chief Financial OfficerSep 15 '26Option Exercise92.684,127382,49044,280Sep 16 07:34 PM
Tolla John CharlesEVP, Chief Risk OfficerSep 15 '26Option Exercise92.683,502324,56532,796Sep 16 07:32 PM
Watson Michael JamesEVP, Head of Axos SecuritiesSep 15 '26Option Exercise92.683,174294,1667,766Sep 16 07:31 PM
MATSUMOTO RAYMOND DEVP, Chief Operating OfficerSep 15 '26Option Exercise92.684,946458,39546,579Sep 16 07:29 PM
GILL ANNSVP, Chief Accounting OfficerSep 15 '26Option Exercise92.681,643152,27312,224Sep 16 07:27 PM
Bar-Adon EshelEVP, Strategic Partnerships anSep 15 '26Option Exercise92.683,629336,336133,007Sep 16 07:24 PM
Constantine Thomas MEVP, Chief Credit OfficerSep 15 '26Option Exercise92.683,905361,91520,100Sep 16 07:19 PM
Swanson Brian DPresident, Consumer BankSep 15 '26Option Exercise92.683,381313,35161,404Sep 16 07:15 PM
Santi Roque ADirectorAug 05 '26Sale105.3050052,6507,146Aug 07 10:42 AM
ROQUE SANTIDirectorAug 05 '26Proposed Sale105.3050052,650Aug 05 04:16 PM
Constantine Thomas MEVP, Chief Credit OfficerJun 08 '26Sale88.551,994176,57516,195Jun 09 06:13 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
SPSMState Street SPDR Portfolio S&P 600TM Small Cap ETFAUM: 16.06B
IJTiShares S&P Small-Cap 600 Growth ETFAUM: 7.45B

News

latest 14 of 206
  • Axos Financial Beats On Margin Expansion, But A C&I Charge-Off Spike And Slowing Loan Growth Complicate The Story (Earnings Whispers)
  • Axos Financial: Fiscal Q1 Earnings Snapshot (Associated Press)
  • Axos Financial, Inc. Reports First Quarter Fiscal Year 2027 Results (Business Wire)
  • Axos Must Prove Credit Hiccups Are Isolated As Margin Tailwinds Fade (Earnings Whispers)
  • Fidelity Sets $100 Million Asset Minimum for RIAs, Forcing Small Advisors to Move or Expand (Barrons.com)
  • Loading…
  • Axos Financial, Inc. to Announce First Quarter Fiscal 2027 Results on October 29, 2026 (Business Wire)
  • Axos Financial, Inc. Named to D.A. Davidson's 9th Gold Trophy List (Business Wire)
  • Axos Financial, Inc. Announces Dual Listing on NYSE Texas (Business Wire)
  • Axos Target Rises to $120 on Growth Above Peers (GuruFocus.com)
  • Medical Test Name Explodes To A High After Earnings (Investor's Business Daily)
  • Axos Financial Inc (AX) (Q4 2026) Earnings Call Highlights: Double-Digit Growth and Strategic ... (GuruFocus.com)
  • Axos Financial: Fiscal Q4 Earnings Snapshot (Associated Press)
  • Axos Financial, Inc. Reports Fiscal Year 2026 Results (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2027Q12026-10-292.2502.2562.250395.07386.37
2026Q42026-07-302.1602.1562.164379.77375.547
2026Q32026-04-302.1502.1672.147392.25372.516
2026Q22026-01-292.2202.0822.224385.09347.255
2026Q12025-10-301.9401.8471.944323.39319.166
2025Q42025-07-301.9201.7831.923321.45312.296
2025Q32025-04-301.8101.7351.808308.84305.046
2025Q22025-01-281.8001.7491.798307.9303.177
2025Q12024-10-301.9301.7941.931320.66298.577
2024Q42024-07-301.8001.8031.803290.92297.046
2024Q32024-04-301.9101.7021.908294.77281.696
2024Q22024-01-302.6201.3972.620260.34247.436
2024Q12023-10-261.3801.3551.382245.66239.976
2023Q42023-07-271.4601.2671.463236.46228.666
2023Q32023-04-271.3201.2051.317231.23222.436
2023Q22023-01-261.3501.1781.348228.24217.266

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY2.3602.3962.371439.44443.1
2019FY2.4802.4872.482491.36492.22
2020FY2.9802.7782.981580.6568.2
2021FY3.5603.5383.561644640.8
2022FY3.9703.9913.972720.52696.18
2023FY5.0704.8825.072903.61895.77
2024FY7.6607.6947.6631,1841,116
2025FY7.4307.2987.4331,2591,250
2026FY8.4808.4688.4801,4801,462
2027FY-9.638--1,644
2028FY-10.910--1,815
2029FY-10.450---

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2027Q2S2026-11-05641406.47401.7411.39
2027Q2S2026-10-30641406.41401.7411
2027Q2S2026-10-29600402.42394.7412.2
2027Q2S2026-10-14600402.42394.7412.2
2027Q2S2026-10-07611402.42394.7412.2
2027Q2S2026-10-02611402.42394.7412.2
2027Q2S2026-09-30611402.53394.7412.2
2027Q2S2026-09-23611402.35394.6412.2
2027Q2S2026-09-20611402.16394.6412.2
2027Q2S2026-09-07612402.16394.6412.2
2027Q2S2026-09-06611402.18394.6412.2
2027Q2S2026-09-03612402.18394.6412.2
2027Q2S2026-07-31612402.17394.6412.2
2027Q2S2026-07-15600404.3396.29414

Estimate history

EPS, annual2.3712.4822.9813.5613.9725.0727.6637.4338.4788.7876
Period201820192020202120222023202420252026TTM
EPS, quarterly1.9311.7981.8081.9231.9442.2242.1472.1642.253
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Sales, annual546.244648.172719.656728.335774.8321277.6261785.871946.5312190.5352273.35
Period201820192020202120222023202420252026TTM
Sales, quarterly512.871483.867466.095483.698498.076567.223564.229561.007580.892
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27
Shares, annual62.68861.12959.61359.31859.77858.94356.89556.48456.73456.777
Period201820192020202120222023202420252026MRQ
Shares, quarterly57.09257.09856.86656.48456.64456.67756.88256.73456.777
PeriodQ1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26Q4 '26Q1 '27

Income statement, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Interest Income2,008.291,956.951,815.461,655.611,157.14659.73617.86622.84564.89
Total Interest Expense721.18710.04687.69694.18374.0252.5779.12145.23156.28
Net Interest Income1,287.121,246.911,127.77961.43783.12607.16538.74477.61408.61
Loan Loss Provision108.35101.1155.7432.5024.7518.5023.7542.2027.35
Net Interest Income After Loan Loss Provision1,178.771,145.811,072.03928.93758.37588.66514.99435.41381.25
Non-Interest Income265.06233.58131.07130.26120.49115.10110.4796.8283.29
Non-Interest Expense771.88732.72589.70516.11447.07363.76319.72269.60250.91
Operating Income671.94646.67613.39543.08431.78340.00305.74262.63213.63
Unusual Expense-0.000.00-92.400.040.040.000.000.82
Net Income Before Taxes671.94646.67613.39635.48431.74339.96305.74262.63212.81
Income Taxes164.27156.30180.49185.47124.5899.2490.0479.1957.67
Consolidated Net Income507.67490.37432.91450.01307.17240.72215.71183.44155.13
Net Income From Continuing Operations507.67490.37432.91450.01307.17240.72215.71183.44155.13
Net Income507.67490.37432.91450.01307.17240.72215.52183.13154.82
EPS (Recurring)8.828.487.436.565.073.973.562.982.49
EPS (Basic, Before Extraordinaries)8.958.667.617.835.154.043.643.012.50
EPS (Diluted)8.798.487.437.665.073.973.562.982.48
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-48.2028.0524.2520.6221.2414.5915.3417.09
Price To Earnings Ratio10.4910.4910.367.757.749.0312.977.3911.33
Price To Sales Ratio2.192.572.281.881.872.803.851.882.62
Operating Margin29.5629.5231.5130.4133.8043.8841.9836.4932.96
Net Margin22.3322.3922.2425.2024.0431.0729.5925.4523.89
Shares Outstanding56.7856.7356.4856.8958.9459.7859.3259.6161.13
Market Capitalization5,227.975,227.974,286.613,255.692,331.402,138.932,748.061,317.201,670.04

Income statement, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q42025Q32025Q2
Interest Income517.08499.13478.24513.85465.74442.41432.72456.07
Total Interest Expense185.82181.24171.98182.14174.69162.25157.26175.97
Net Interest Income331.26317.89306.26331.71291.05280.16275.46280.10
Loan Loss Provision24.5017.8541.0025.0017.2515.0014.5012.25
Net Interest Income After Loan Loss Provision306.76300.04265.26306.71273.80265.16260.96267.85
Non-Interest Income63.8261.8885.9953.3832.3441.2833.3727.80
Non-Interest Expense195.41205.94185.95184.57156.25150.65146.26145.32
Operating Income175.16155.97165.30175.51149.89155.80148.08150.33
Unusual Expense0.000.000.00-0.000.000.000.00
Net Income Before Taxes175.16155.97165.30175.51149.89155.80148.08150.33
Income Taxes45.5131.0340.6247.1237.5445.1242.8745.64
Consolidated Net Income129.65124.95124.68128.40112.35110.67105.21104.69
Net Income From Continuing Operations129.65124.95124.68128.40112.35110.67105.21104.69
Net Income129.65124.95124.68128.40112.35110.67105.21104.69
EPS (Recurring)2.252.162.152.221.941.921.811.80
EPS (Basic, Before Extraordinaries)2.282.202.202.271.991.961.841.83
EPS (Diluted)2.252.162.152.221.941.921.811.80
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense--8.938.318.55---
Price To Earnings Ratio10.4911.8210.7711.5311.3510.368.678.45
Price To Sales Ratio2.192.572.342.472.532.251.932.08
Operating Margin30.1527.8029.3030.9430.0932.2131.7731.07
Net Margin22.3222.2722.1022.6422.5622.8822.5721.64
Shares Outstanding56.7856.7356.8856.6856.6456.4856.8757.10
Market Capitalization5,227.975,539.994,822.754,880.454,781.554,286.613,684.003,987.90

Balance sheet, annual

Currency USD, millions
Metric2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Cash & Due from Banks1,307.802,176.352,185.782,382.091,574.701,037.781,950.52857.27622.75
Investments1,141.85268.96354.41413.86640.00872.74536.40432.63236.74
Net Loans25,595.4021,049.6119,231.3816,456.7314,091.0611,414.8110,631.359,382.128,432.29
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets1.825.042.458.100.806.786.417.499.59
Net Property, Plant & Equipment195.58158.50132.61116.93105.4190.37103.5833.1721.45
Interest Receivables109.600.000.000.000.000.000.000.0026.73
Deferred Tax Assets151.07140.71156.82117.29100.7869.0647.8038.7223.78
Other Intangible Assets1,609.811,046.11897.04884.87922.94788.71591.88483.60172.00
Total Assets30,112.9424,845.2822,960.4920,379.8617,435.6914,280.2613,867.9411,235.009,545.33
Total Deposits24,565.3920,829.5419,359.2217,123.1113,946.4210,815.8011,336.698,983.177,985.35
Total Debt1,324.49571.21555.78681.241,112.021,373.96811.06825.78511.55
Long Term Debt808.55410.56438.86475.23599.61399.43471.24341.43282.05
Provision for Risks Charges72.4810.8910.2210.4710.970.000.000.000.00
Deferred Tax Liabilities167.1362.20105.1531.3934.5214.7016.0414.765.83
Other Liabilities817.02690.75639.52616.49688.77674.87473.30338.2382.09
Total Liabilities26,946.5222,164.6120,669.8918,462.7015,792.7112,879.3312,637.0910,161.958,584.82
Preferred Stock - Carrying Value0.000.000.000.000.000.005.065.065.06
Common Equity3,166.422,680.682,290.601,917.161,642.971,400.941,225.781,067.99955.45
Total Shareholders Equity3,166.422,680.682,290.601,917.161,642.971,400.941,230.851,073.05960.51
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity3,166.422,680.682,290.601,917.161,642.971,400.941,230.851,073.05960.51
Total Liabilities & Stockholders Equity30,112.9424,845.2822,960.4920,379.8617,435.6914,280.2613,867.9411,235.009,545.33
Book Value Per Share55.8147.4640.2632.5327.4823.6220.5617.4715.24
Tangible Book Value Per Share51.4245.0837.7729.9424.8721.6618.4615.2614.16
Tier 1 Capital2,913.542,554.072,167.781,796.351,522.481,309.501,106.39938.14893.34
Tier 2 Capital650.55563.69510.71472.88443.10278.13134.53115.71100.31
Full-Time Employees2,1911,9891,7811,4551,3351,1651,0991,007801
Price to Book Ratio1.591.661.491.211.301.961.071.612.79
Return on Assets1.781.812.081.621.521.531.461.491.69
Return on Equity16.7717.4221.3917.2615.8216.3915.9215.2616.98
Return on Invested Capital12.3414.0016.4912.8410.7311.9810.7810.9712.27
Current Ratio0.370.570.370.360.220.280.390.250.18

Cash flow, annual

Currency USD, millions
MetricTTM2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Funds from Operations717.40699.43411.33429.50341.32309.49307.95230.29200.29
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-9.04-172.9886.31-103.91-44.43-124.9530.1972.68-4.37
Cash from Operating Activities708.36526.45497.64325.59296.89184.54338.14302.97195.91
Capital Expenditures-316.75-266.45-154.21-35.96-30.21-21.50-10.44-12.33-20.08
Net Assets From Acquisitions-7.46-474.450.000.00-5.53-54.600.000.00-14.75
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.0067.34
Purchase or Sale of Investments-777.00-788.31-11.63156.53235.13277.12-444.68-16.1398.03
Purchase of Investments-794.55-812.23-114.16-22.01-32.67-143.73-520.94-382.59-146.89
Sale Or Maturity of Investments17.5523.92102.53178.54267.80420.8676.25366.46244.92
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.002.780.000.000.000.00
Cash from Investing Activities-4,415.48-5,060.02-1,913.63-2,523.74-2,184.71-2,496.35-1,265.37-1,424.88-918.55
Cash Dividends Paid0.000.000.000.000.000.00-0.10-0.39-0.23
Change in Capital Stock-25.98-21.98-58.20-96.29-48.960.00-21.91-38.86-56.44
Repurchase of Common Pref Stock-25.98-21.98-58.20-96.29-48.960.00-21.91-38.86-56.44
Sale of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-294.79-18.6022.08-121.79-426.37-267.41568.04-91.7625.91
Change in Long Term Debt-170.7629.24-30.000.00-111.80-12.8295.00-149.3530.60
Issuance of Long Term Debt-2.86197.140.000.000.00223.18367.95216.95178.10
Reduction of Long Term Debt-167.90-167.90-30.000.00-111.80-236.00-272.95-366.30-147.50
Net Financing Active Other Cash Flow-28.93-30.25-27.64-16.19-6.14-14.48-10.65-7.46-9.92
Other Financing Activities Uses-28.93-30.25-27.64-16.19-6.14-14.48-10.65-7.46-9.92
Cash from Financing Activities2,698.153,665.021,406.562,001.842,695.212,848.7414.492,215.06957.15
Net Change in Cash-1,008.97-868.55-9.42-196.31807.39536.92-912.741,093.15234.52
Free Cash Flow391.62260.00443.43289.63266.67163.03327.70290.64175.83
Preferred Dividends (Cash Flow)-0.000.000.000.000.00-0.10-0.39-0.23
Price to Free Cash Flow12.7221.669.9911.598.9613.338.574.679.68
Federal Home Loan Advances Increase (Decrease)--0.08-12.450.000.000.000.61-0.33-0.59

Balance sheet, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Cash & Due from Banks1,876.621,307.801,351.281,340.512,885.592,176.35
Investments1,055.821,141.851,044.22994.29306.24268.96
Net Loans25,912.0225,595.4024,957.5424,272.5522,635.1421,049.61
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment-195.58---158.50
Interest Receivables0.00109.600.000.000.000.00
Deferred Tax Assets-151.07---140.71
Other Intangible Assets2,000.491,609.811,895.941,594.061,604.841,046.11
Total Assets30,844.9630,112.9429,248.9928,201.4127,431.8224,845.28
Total Deposits25,413.2024,565.3922,388.1323,232.7522,264.7520,829.54
Total Debt1,153.321,324.492,966.181,245.191,557.11571.21
Long Term Debt914.81808.552,817.521,116.32570.06410.56
Provision for Risks Charges67.4072.4817.8715.6412.8910.89
Deferred Tax Liabilities-167.13---62.20
Other Liabilities922.25817.02811.61777.74803.95690.75
Total Liabilities27,556.1726,946.5226,183.8025,271.3124,638.7022,164.61
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity3,288.793,166.423,065.182,930.092,793.122,680.68
Total Shareholders Equity3,288.793,166.423,065.182,930.092,793.122,680.68
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity3,288.793,166.423,065.182,930.092,793.122,680.68
Total Liabilities & Stockholders Equity30,844.9630,112.9429,248.9928,201.4127,431.8224,845.28
Book Value Per Share57.9255.8153.8951.7049.3147.46
Tangible Book Value Per Share53.1451.4250.1848.2445.6845.08
Tier 1 Capital3,038.032,913.542,849.672,732.112,587.312,554.07
Tier 2 Capital643.83650.55654.12641.37786.11563.69
Full-Time Employees-2,191---1,989
Price to Book Ratio1.591.811.651.751.781.66
Return on Assets1.741.781.791.761.701.81
Return on Equity16.6916.7716.8016.7516.6517.42
Return on Invested Capital3.083.142.123.173.343.58
Current Ratio0.560.370.470.460.700.57

Cash flow, quarterly

Currency USD, millions
Metric2027Q12026Q42026Q32026Q22026Q12025Q4
Funds from Operations182.27201.12182.20151.82164.29100.55
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital95.9772.25-132.27-44.99-67.97102.26
Cash from Operating Activities278.23273.3749.93106.8396.32202.80
Capital Expenditures-59.45-95.34-143.27-18.69-9.15-21.79
Net Assets From Acquisitions-7.460.000.000.00-474.450.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-26.70-36.60-33.95-679.75-38.00-39.11
Purchase of Investments-29.26-35.69-11.89-717.70-46.95-54.44
Sale Or Maturity of Investments2.57-0.91-22.0637.958.9515.33
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-431.92-764.07-908.39-2,311.11-1,076.46-896.56
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-4.00-21.980.000.000.00-32.33
Repurchase of Common Pref Stock-4.00-21.980.000.000.00-32.33
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-114.14-1,697.031,722.27-306.48262.64-36.53
Change in Long Term Debt0.00-1,915.761,745.000.00200.000.00
Issuance of Long Term Debt0.00-1,747.861,745.000.00200.000.00
Reduction of Long Term Debt0.00-167.900.000.000.000.00
Net Financing Active Other Cash Flow-7.16-11.03-8.42-2.32-8.47-11.55
Other Financing Activities Uses-7.16-11.03-8.42-2.32-8.47-11.55
Cash from Financing Activities722.51447.21869.24659.191,689.38612.41
Net Change in Cash568.82-43.4810.77-1,545.08709.24-81.34
Free Cash Flow218.79178.03-93.3488.1487.17181.01
Price to Free Cash Flow12.7221.6318.7911.7610.159.87

Revenue breakdown

Advisory Fee Income2025: 31.79M 2026: 35.98M
Broker Dealer Clearing Fees2025: 22.23M 2026: 24.24M
Card Fees And Other2025: 2.87M 2026: 10.03M
Deposit Service Fees2025: 5.43M 2026: 8.37M
Technology and Service Fees2025: 3.47M 2026: 2.64M
United States2025: 65.79M 2026: 81.25M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.94%3.2M54.2M346.77K
2026-10-156.07%3.3M54.3M349.09K
2026-09-305.89%3.2M54.3M348.77K
2026-09-155.90%3.2M54.2M357.25K
2026-08-315.59%3.0M54.2M364.87K
2026-08-145.47%3.0M54.2M376.93K
2026-07-315.73%3.1M54.3M418.84K
2026-07-155.65%3.1M54.3M408.17K
2026-06-306.17%3.4M54.3M417.21K
2026-06-155.98%3.2M54.4M401.33K
2026-05-296.20%3.4M54.4M405.60K
2026-05-155.88%3.2M54.4M413.82K
2026-04-305.84%3.2M54.4M394.11K
2026-04-155.35%2.9M54.2M413.79K
2026-03-314.95%2.7M54.2M396.23K
2026-03-134.81%2.6M54.2M384.11K
2026-02-274.59%2.5M54.2M369.39K
2026-02-134.56%2.5M54.2M359.99K
2026-01-304.15%2.2M54.0M338.54K
2026-01-154.20%2.3M53.9M324.57K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call50.0041.7044.200.003.1550.000.000.983-0.0680.006
call55.0036.7039.200.002.7550.000.000.980-0.0670.007
call60.0031.3034.200.002.3820.000.000.977-0.0660.008
call65.0026.7029.200.002.0410.000.000.972-0.0640.010
call70.0021.8024.300.001.7510.000.000.967-0.0620.011
call75.0016.8019.100.001.3850.000.000.959-0.0590.013
call80.0011.9013.9015.581.03912.000.000.946-0.0550.017
call85.007.109.0012.000.7733.000.000.824-0.1200.039
call90.003.104.404.300.52978.000.000.639-0.1420.057
call95.000.801.551.750.4421120.000.354-0.1280.056
call1000.100.750.500.3263230.000.080-0.0400.023
call1050.000.850.250.47253.000.000.051-0.0390.016
call1100.000.300.160.6031.000.000.042-0.0420.014
call1150.000.800.000.7220.000.000.036-0.0440.012
call1200.000.800.000.8340.000.000.032-0.0460.011
call1250.000.800.000.9380.000.000.029-0.0480.010
call1300.000.800.001.0350.000.000.027-0.0490.009
call1350.000.800.001.1280.000.000.025-0.0510.009
call1400.000.800.001.2150.000.000.023-0.0520.008
put50.000.000.800.001.9060.000.00-0.017-0.0620.006
put55.000.000.800.001.6410.000.00-0.020-0.0610.007
put60.000.000.850.001.3970.000.00-0.023-0.0590.008
put65.000.000.850.001.1710.000.00-0.028-0.0570.010
put70.000.000.900.000.9570.000.00-0.033-0.0540.011
put75.000.000.400.050.7532.000.00-0.041-0.0510.013
put80.000.000.400.120.55733.000.00-0.054-0.0470.017
put85.000.100.750.200.5391070.00-0.176-0.1100.039
put90.000.801.651.170.4411051.00-0.360-0.1320.057
put95.002.654.203.750.4245.000.00-0.646-0.1180.056
put1006.108.500.000.5200.000.00-0.920-0.0290.022
put10510.9013.400.000.6790.000.00-0.949-0.0270.016
put11015.9018.500.000.8810.000.00-0.958-0.0300.014
put11520.9023.600.001.0670.000.00-0.964-0.0320.012
put12025.9028.600.001.2090.000.00-0.968-0.0330.011
put12530.9033.500.001.3040.000.00-0.971-0.0340.010
put13035.9038.500.001.4270.000.00-0.973-0.0350.009
put13540.9043.500.001.5420.000.00-0.975-0.0360.009
put14045.9048.500.001.6520.000.00-0.977-0.0360.008

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-104Statement of changes in beneficial ownership of securities2026-11-09SEC
2026-11-09144Filing for proposed sale of securities under Rule 144.SEC
2026-11-05SCHEDULE 13G/ASEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-2910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-298-KCurrent report2026-10-29SEC
2026-09-24ARSAnnual report to security holders. 2026-06-30SEC
2026-09-24DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-09-24DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-06-30SEC
2026-09-218-KCurrent report2026-09-21SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164/A2026-02-17SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-044Statement of changes in beneficial ownership of securities2026-09-03SEC
2026-08-258-A12BSEC
2026-08-25CERTSEC
2026-08-2010-KAnnual report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-074Statement of changes in beneficial ownership of securities2026-08-05SEC
2026-08-07SCHEDULE 13GSEC
2026-08-068-KCurrent report2026-08-06SEC
2026-08-06SCHEDULE 13GSEC
2026-08-05144Filing for proposed sale of securities under Rule 144.SEC
2026-07-308-KCurrent report2026-07-30SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110086.48K1
2026-100000
2026-090000
2026-080052.65K1
2026-070000
2026-0600176.57K1
2026-0500182.36K2
2026-040000
2026-030000
2026-02006.46M6
2026-010000
2025-1200366.41K2
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.75%
VANGUARD PORTFOLIO MANAGEMENT LLC5.51%
STATE STREET CORP5.32%
AMERICAN CENTURY COMPANIES INC4.76%
VANGUARD CAPITAL MANAGEMENT LLC4.34%
FMR LLC3.98%
DIMENSIONAL FUND ADVISORS LP3.89%
GEODE CAPITAL MANAGEMENT, LLC2.84%
Davis Asset Management, L.P.2.70%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC1.32%

Funds

Fund% owned
iShares Core S&P Small-Cap ETF6.01%
Angel Oak Financial Strategies Income Term Trust3.52%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
Avantis U.S. Small Cap Value ETF2.91%
iShares Russell 2000 ETF2.39%
VANGUARD SMALL-CAP INDEX FUND2.18%
Strategic Advisers Fidelity U.S. Total Stock Fund2.06%
VANGUARD SMALL-CAP VALUE INDEX FUND1.38%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.06%

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