Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 21

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 21
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 areas in which we conduct business, or conditions in the securities markets or banking industry, may be less favorable than what we currently anticipate;

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changes in accounting principles, policies or guidelines may cause our financial condition to be perceived differently;

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changes in deposit flows, loan demand or real estate values may adversely affect the business of our subsidiary, Axos Bank, through which substantially all of our operations are carried out;

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increases in competitive pressure among financial institutions or from non-financial institutions;

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changes in corporate and/or individual income tax laws may adversely affect our business or financial condition;

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legislation or regulatory changes may adversely affect our business;

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technological changes may be more difficult or expensive than what we anticipate;

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success or consummation of new business initiatives may be more difficult or expensive than what we anticipate;

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litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than what we anticipate; and

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the additional risks referred to in the section entitled “Risk Factors.”

You should not put undue reliance on any forward-looking statements. Forward-looking statements speak only as of the date they are made, and are qualified in their entirety by this cautionary statement, and we undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

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#### DESCRIPTION OF AXOS FINANCIAL, INC.

#### General
Axos Financial, Inc. (the “Company”) is a diversified financial services company with approximately $21.6 billion in assets and approximately $34.4 billion of assets under custody and/or administration at Axos Clearing LLC (“Axos Clearing”). Axos Bank (the “Bank”) provides consumer and commercial banking products through its digital online and mobile banking platforms, low-cost distribution channels and affinity partners. Our Bank offers deposit and lending products to customers nationwide including consumer and business checking, savings and time deposit accounts and financing for single family and multifamily residential mortgages, commercial real estate mortgages and loans, fund and lender finance loans, asset-based loans, auto loans and other consumer loans. Our Bank generates non-interest income from consumer and business products, including fees from loans originated for sale, deposit account service fees, prepayment fees, as well as technology and payment transaction processing fees. We