Company: AX
Filing Date: 2025-01-28
Form Type: 424B5
Source: 0001299709-25-000009
Chunk: 8

Company: Axos Financial, Inc.
Filing Date: 2025-01-28
Form: 424B5
Chunk 8
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 stock price performance of comparable companies, as deemed by investors;

• news reports relating to trends, concerns, and other issues in the financial services industry, including bank failures;

• perceptions in the marketplace about our Company or competitors;

• new technology used, or services offered, by competitors;

• significant acquisitions or business combinations, strategic partnerships, joint ventures, or capital commitments by, or involving, our Company or competitors;

• failure to integrate acquisitions or realize expected benefits from acquisitions;

• changes in government regulations; and

• geopolitical conditions, such as acts or threats of terrorism or military action.

General market fluctuations; industry factors; political conditions; and general economic conditions and events, such as economic slowdowns, recessions, interest rate changes, or credit loss trends, could cause our common stock price to decrease regardless of operating results.

Provisions in our Certificate of Incorporation, By-laws and Delaware laws might discourage, delay or prevent a change of control of our Company or changes in our management and, therefore, depress the trading price of our common stock.

Provisions of our Certification of Incorporation, By-laws and Delaware laws may discourage, delay or prevent a merger, acquisition or other change in control that stockholders may consider favorable, including transactions in which you might otherwise receive a premium for your shares of our common stock. These provisions may also prevent or frustrate attempts by our stockholders to replace or remove our management. These provisions include:

• supermajority voting provisions providing that certain sections of our Certificate of Incorporation and our By-laws may not be amended or repealed by our stockholders without the affirmative vote of the holders of at least 75% of the voting power, and requiring the affirmative vote of the holders of at least 75% of the voting power to remove a director or directors and only for cause;

• our classified Board of Directors, which may tend to discourage a third-party from making a tender offer or otherwise attempting to obtain control of us since the classification of our Board of Directors generally increases the difficulty of replacing a majority of directors;

• advance notice provisions requiring stockholders seeking to nominate candidates to be elected as directors at an annual meeting or to bring business before an annual meeting to comply with the written procedure specified in our By-laws;

• the inability of stockholders to act by written consent or to call special meetings;

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• the ability of our Board of Directors to make, alter or repeal our by-laws;

• the ability of our Board of Directors