
AX Stock Forecast & Price Target
AX Analyst Ratings
Bulls say
Axos Financial has demonstrated strong loan growth, leading to an increased focus on deposit growth, with a loan-to-deposit ratio rising to 104% as of September 30. The company's net interest margin (NIM) estimates for fiscal years 2026 and 2027 have been revised upward to 4.56% and 4.44%, respectively, which is expected to support net interest income (NII) growth of 7% and 10% in those years. Additionally, projected tangible book value (TBV) growth of 24% over the next five quarters, compared to the KRX median of 12.1%, highlights Axos Financial's potential for strong asset generation and operational efficiency.
Bears say
Axos Financial's outlook is negatively influenced by potential net interest margin (NIM) compression, which is anticipated to result in reduced near-term earnings growth and could pressure the stock. Additionally, growth may stagnate due to credit concerns among the customer base, necessitating a pullback until credit metrics improve, further exacerbating the risk to profitability. Furthermore, a significant decline in home values, particularly in the bank's concentrated markets, poses a threat to asset quality metrics and could adversely affect profitability and regulatory capital ratios.
This aggregate rating is based on analysts' research of Axos Financial Inc. and is not a guaranteed prediction by Public.com or investment advice.
AX Analyst Forecast & Price Prediction
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