Company: AX
Filing Date: 2025-09-17
Form Type: 424B5
Source: 0001299709-25-000159
Chunk: 78

Company: Axos Financial, Inc.
Filing Date: 2025-09-17
Form: 424B5
Chunk 78
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 telephone number is (858) 649-2218. We maintain an Internet website at www.axosfinancial.com. Information contained in or accessible through our website does not constitute part of this prospectus supplement or the accompanying prospectus.

Additional information about us and our subsidiaries can be obtained from the documents incorporated by reference herein. See “Where You Can Find More Information.”

### RISK FACTORS
Investing in our securities involves various risks that may adversely affect their value. Before making an investment decision, you should carefully consider the specific risks discussed or incorporated by reference in the applicable prospectus supplement, together with all the other information contained in the prospectus supplement or incorporated by reference in this prospectus and the applicable prospectus supplement. You should also consider the risks, uncertainties and assumptions discussed under the caption “Item 1A. Risk Factors,” in Part I of our Annual Report on Form 10-K for the fiscal year ended June 30, 2023, which is incorporated by reference in this prospectus. Such discussion may be amended, supplemented or superseded from time to time by other reports we file with the SEC in the future. Additional risks and uncertainties not presently known to us or that we currently deem insignificant or remote also may adversely affect our business, financial condition and results of operations, perhaps materially. See “Cautionary Statement Regarding Forward-Looking Statements.”

### USE OF PROCEEDS
Unless indicated otherwise in the applicable prospectus supplement, we expect to use the net proceeds from the sale of the securities by us for general corporate purposes. Pending such use, we may temporarily invest the proceeds or use them to reduce short-term indebtedness.

Additional information on the use of proceeds from the sale of the securities offered by this prospectus may be set forth in the applicable prospectus supplement.

We will not receive any proceeds from the resale of shares of our common stock by the selling stockholders.

### DESCRIPTION OF CAPITAL STOCK

#### General
We are authorized to issue up to 150,000,000 shares of common stock, par value $0.01 per share, and up to 1,000,000 shares of preferred stock, par value $0.01 per share. As of February 22, 2024, there were 69,833,863 shares of common stock issued and 56,898,015 shares of common stock outstanding. Our common stock is listed on the NYSE under the symbol “AX.”

#### Common Stock
Subject to preferences that may be applicable to any of the outstanding shares