
AX Stock Forecast & Price Target
AX Analyst Ratings
Bulls say
Axos Financial Inc reported a significant 18.4% year-over-year increase in net interest income for the second quarter, reaching $331.7 million, which exceeded both internal estimates and consensus expectations. The bank's tangible book value per share grew by 15.8% to $47.79, while its net interest margin improved to 4.94%, surpassing prior estimates due to favorable prepayment activity. Additionally, the company raised its loan growth outlook for fiscal year 2026 to the low-to-mid teens range, indicating strong operational performance and growth potential moving forward.
Bears say
Axos Financial is facing potential challenges due to net interest margin (NIM) compression, with reported total and interest-bearing deposit costs declining, yet still suggesting weaker near-term earnings growth. The bank's significant exposure to the California real estate market raises concerns, particularly regarding asset quality metrics, as any material declines in home values could adversely affect performance. Furthermore, ongoing credit concerns within the customer base may necessitate a slowdown in growth, further impacting profitability and regulatory capital ratios.
This aggregate rating is based on analysts' research of Axos Financial Inc. and is not a guaranteed prediction by Public.com or investment advice.
AX Analyst Forecast & Price Prediction
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