Company: AX
Filing Date: 2025-09-16
Form Type: 424B5
Source: 0001299709-25-000147
Chunk: 73

Company: Axos Financial, Inc.
Filing Date: 2025-09-16
Form: 424B5
Chunk 73
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. Forward-looking statements also include the assumptions underlying or relating to any of the foregoing statements.

Forward-looking statements are not guarantees of future performance and are subject to significant business, economic and competitive risks, uncertainties and contingencies, many of which are difficult to predict and beyond our control. Actual results may differ materially from those expressed in or implied by these forward-looking statements. Factors that could cause actual results to differ from these forward-looking statements include, but are not limited to, the following, as well as those discussed elsewhere in this prospectus, any accompanying prospectus supplement and in the documents incorporated by reference herein:

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changes in the interest rate environment may reduce interest margins;

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the timing and occurrence or non-occurrence of events may be subject to circumstances beyond our control;

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general economic conditions, either nationally or locally in some or all 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