Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 0

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 0
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#### PROSPECTUS SUPPLEMENT
(To Prospectus Dated February 29, 2024)

#### Filed Pursuant to Rule 424(b)(5)

#### Registration No. 333-277514

#### Up to $150,000,000

#### Axos Financial, Inc.

#### Common Stock
This prospectus supplement and the accompanying prospectus relate to the offer and sale from time to time of shares of our common stock, par value $0.01 per share (the “common stock”), having an aggregate offering price of up to $150,000,000. Shares of our common stock to which this prospectus supplement relates may be offered over a period of time and from time to time through Keefe, Bruyette & Woods, Inc. and Raymond James & Associates, Inc. as our distribution agents (the “Distribution Agents”) for sale to the public in accordance with the terms of an Equity Distribution Agreement, dated January 28, 2025, that we have entered into with the Distribution Agents (the “Equity Distribution Agreement”). Sales of shares of our common stock, if any, may be made by any methods deemed to be “at-the-market offerings” as defined in Rule 415 under the Securities Act of 1933, as amended (the “Securities Act”), including sales made directly on the New York Stock Exchange (“NYSE”), or sales made to or through a market maker other than on an exchange. Under the terms of the Equity Distribution Agreement, we may also sell our common stock to a Distribution Agent as a principal for its own account at prices agreed upon at the time of sale. If we sell our common stock to a Distribution Agent as a principal, we will enter into a separate terms agreement with such Distribution Agent.

The proceeds from the sales of shares of our common stock to which this prospectus supplement relates will be used for general corporate purposes, possible future acquisitions and growth opportunities, and repayments or repurchases of debt.

We will pay the Distribution Agents a commission equal to 2.5% of the gross sales price of all shares sold by them as our agents under the Equity Distribution Agreement. The remaining sales proceeds, after deducting any expenses payable by us and any transaction fees imposed by any governmental or self-regulatory organization in connection with the sales, will equal our net proceeds for the sale of shares of our common stock and will depend on the number of shares sold and the offering price for such shares. In connection with the sale of common stock on our behalf, the