Results of Operations and Financial Condition On July 30, 2026 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal fourth quarter results of operations for the period ended June 30, 2026. The press release, related financial schedules and earnings supplement presentation are furnished as Exhibits 99.1 through 99.4. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.3 and 99.4. Pursu…

Completion of Acquisition or Disposition of Assets. On May 2, 2026, Axos Bank (the “Bank”), a subsidiary of Axos Financial, Inc. (the “Company”), completed its previously announced acquisition of all of the United States consumer deposits of Jenius Bank, a digital banking business of SMBC MANUBANK (“SMBC”), pursuant to the terms of the Purchase and Assumption Agreement, dated February 12, 2026 (the “Agreement”). The Bank acquired approximately $2.3 billion of deposits from Jenius Bank and rec…

Results of Operations and Financial Condition On April 30, 2026 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal third quarter results of operations for the period ended March 31, 2026. The press release is furnished as Exhibit 99.1. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information in this

Entry into a Material Definitive Agreement. On April 22, 2026, Axos Bank (the “Bank”), a subsidiary of Axos Financial, Inc. (the “Registrant”), entered into a purchase and assumption agreement (the “Agreement”) with Capital One, National Association (“Capital One”) to acquire individual retirement accounts (“IRAs”) with an aggregate balance of approximately $3.2 billion deposited into associated savings and certificate of deposit accounts, along with certain assets and liabilities related the…

Entry into a Material Definitive Agreement. On February 12, 2026, Axos Bank (the “Bank”), a subsidiary of Axos Financial, Inc. (the “Registrant”), entered into a purchase and assumption agreement (the “Agreement”) with SMBC MANUBANK (“SMBC”) to acquire all of the United States consumer deposits of Jenius Bank, a digital banking business of SMBC. The amount of deposits to be acquired is estimated to be approximately $2.6 billion at closing. Under the Agreement, the Bank will receive cash for t…

Results of Operations and Financial Condition On January 29, 2026 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal second quarter results of operations for the period ended December 31, 2025. The press release is furnished as Exhibit 99.1. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information in this

President — David Park: David Park resigned from his role as President and Head of Commercial Bank at Axos Bank, a significant subsidiary leadership position, without any stated disagreement.

Results of Operations and Financial Condition On October 30, 2025 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal first quarter results of operations for the period ended September 30, 2025. The press release is furnished as Exhibit 99.1. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information in this

Creation of a Direct Financial Obligation of a Registrant. The information contained in (or incorporated by reference into)

Entry Into A Material Definitive Agreement. On September 19, 2025, Axos Financial, Inc. (the “Company”) completed its previously announced sale of $200,000,000 aggregate principal amount of the Company’s 7.00% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”) to Keefe, Bruyette & Woods, Inc., as representative of the underwriters named in an underwriting agreement dated September 16, 2025, by and between the Company and the underwriters named therein. The Notes were issued purs…

Entry Into A Material Definitive Agreement On September 16, 2025, Axos Financial, Inc. (the “Axos” or the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with Keefe, Bruyette & Woods, Inc., as representative of the underwriters named therein, to issue and sell $200 million aggregate principal amount of the Company’s 7.00% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”), at a public offering price equal to 100% of the aggregate principal amount…

of Form 8-K shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing made by the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing. Forward-Looking Safe Harbor Statement This Current Report contain…

Results of Operations and Financial Condition On July 30, 2025 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal fourth quarter results of operations for the period ended June 30, 2025. The press release, related financial schedules and earnings supplement presentation are furnished as Exhibits 99.1 through 99.4. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.3 and 99.4. Pursu…

Other Events On June 30, 2025, the State of California adopted and signed into law its fiscal year 2026 budget, which, among other things, changed the way financial institutions’ multi-state income is apportioned to the State of California. The change required Axos Financial, Inc. (“Axos” or the “Company”) to remeasure its deferred tax assets and liabilities and resulted in a one-time non-cash impairment. This impairment, netted with other state settlements reached on outstanding tax matters…

Other Events On May 8, 2025, the Board of Directors of the Axos Financial, Inc. (the “Registrant” or the “Company”) authorized an increase of $100 million to the Company’s existing common stock repurchase program announced on April 27, 2023. Approximately $48 million remains from the previous increase announced on February 12, 2024. The press release announcing the repurchase authorization is furnished as Exhibit 99.1. The Company may repurchase shares on the open market or through privately…

Results of Operations and Financial Condition On April 30, 2025 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal third quarter results of operations for the period ended March 31, 2025. The press release is furnished as Exhibit 99.1. In addition, the Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information in this

Entry into a Material Definitive Agreement. On January 28, 2025, Axos Financial, Inc. (“we”, “our”, or the “Company”) entered into an Equity Distribution Agreement (the “Distribution Agreement”) with Keefe, Bruyette & Woods, Inc. (“KBW”) and Raymond James & Associates, Inc. (together with KBW, the “Distribution Agents”) pursuant to which the Company may issue and sell shares of our common stock having an aggregate offering price of up to $150,000,000 from time to time through the Distribution…

Results of Operations and Financial Condition On January 28, 2025 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal second quarter results of operations for the period ended December 31, 2024. The press release is furnished as Exhibit 99.1. In addition, the Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information…

Results of Operations and Financial Condition On October 30, 2024 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal first quarter results of operations for the period ended September 30, 2024. The press release is furnished as Exhibit 99.1. In addition, the Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information…

Chief Accounting Officer — Ann Gill: Ann Gill was promoted from an internal role to Chief Accounting Officer, assuming duties from the CFO who remains in his position.

Results of Operations and Financial Condition On July 30, 2024 , Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal fourth quarter results of operations for the period ended June 30, 2024. The press release, related financial schedules and earnings supplement presentation are furnished as Exhibits 99.1 through 99.4. The Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.3 and 99.4. Pursu…

Other Information A recently released report, by a self-described short-seller, made a series of misleading, incomplete, and false allegations centered on the quality of Axos’ commercial real estate loan portfolio. This report contains a series of inaccuracies and innuendo that include false, incomplete and misleading allegedly factual information with respect to specific loans, incomplete or inaccurate descriptions of loan structures, failure to accurately describe the Axos lending counterpa…

Results of Operations and Financial Condition On April 30, 2024, Axos Financial, Inc. (the “Registrant” or the “Company”) issued a press release announcing its fiscal third quarter results of operations for the period ended March 31, 2024. The press release is furnished as Exhibit 99.1. In addition, the Registrant is furnishing the related quarterly earnings supplement in two different formats as Exhibits 99.2 and 99.3. Pursuant to General Instruction B.2. of Form 8-K, the information in this