Net Interest Income Increased 23% in Quarter
Ended June 2023
Axos Financial, Inc. (NYSE: AX) (“Axos”), parent company of Axos
Bank (the “Bank”), today announced unaudited financial results for
the fourth fiscal quarter and full fiscal year ended June 30, 2023.
Net income for the quarter was $87.4 million, an increase of 50.9%
over net income of $57.9 million for the quarter ended June 30,
2022. Earnings per diluted share for the quarter were $1.46, an
increase of $0.50, or 52.1%, as compared to earnings per diluted
share of $0.96 for the quarter ended June 30, 2022.
Adjusted earnings and adjusted earnings per diluted common share
(“adjusted EPS”), non-GAAP measures, which exclude non-cash
amortization expenses and non-recurring costs related to mergers
and acquisitions, and other non-recurring costs, increased 32.3% to
$89.4 million and 33.9% to $1.50, respectively, for the quarter
ended June 30, 2023 compared to $67.6 million and $1.12,
respectively, for the quarter ended June 30, 2022.
Fourth Quarter Fiscal 2023 Financial Summary:
Three Months Ended June
30,
(Dollars in thousands, except per share
data)
2023
2022
% Change
Net interest income
$
203,754
$
165,410
23.2
%
Non-interest income
$
32,705
$
27,100
20.7
%
Net income
$
87,356
$
57,896
50.9
%
Adjusted Earnings (Non-GAAP)1
$
89,431
$
67,616
32.3
%
Diluted EPS
$
1.46
$
0.96
52.1
%
Adjusted EPS (Non-GAAP)1
$
1.50
$
1.12
33.9
%
1 See “Use of Non-GAAP Financial Measures”
For the fiscal year ended June 30, 2023, net income was a record
$307.2 million, an increase of 27.6% over net income of $240.7
million for the year ended June 30, 2022. Earnings per diluted
share was $5.07, an increase of $1.10, or 27.7%, as compared to
earnings per diluted share of $3.97 for the year ended June 30,
2022.
“We achieved record earnings and maintained strong credit
quality and liquidity in the three and twelve months ended June 30,
2023,” stated Greg Garrabrants, President and Chief Executive
Officer of Axos. “Double-digit growth in net interest income and a
net interest margin above the high end of our long-term target were
the primary contributors to our strong results. Our credit quality
remains resilient, supported by our diverse, asset-based lending at
low loan-to-values. Our strong balance sheet, with a modest
unrealized loss on our securities portfolio equal to less than 0.5%
of our shareholders’ equity and a growing deposit base generated by
a variety of consumer and commercial banking and securities
businesses, positions us well for continued growth.”
“Earnings per diluted share increased 52% year-over-year to
$1.46 in the fourth quarter of fiscal 2023, which included $0.08
per diluted share attributed to $5.2 million of non-recurring tax
benefits,” stated Derrick Walsh, Executive Vice President and Chief
Financial Officer. “Even without these non-recurring benefits, our
earnings per diluted share results would represent year-over-year
growth of 44%. Our reported net interest margin of 4.19% and 4.35%
for the three and twelve months ended June 30, 2023 was negatively
impacted by approximately $1.2 billion of excess liquidity.
Excluding the excess liquidity, our net interest margin would have
been 4.39% and 4.42% for the fourth quarter and full year 2023,
respectively.”
Other Highlights:
- Net loans for investment totaled $16.5 billion at June 30,
2023, an increase of $0.6 billion, or 15.7% annualized, from March
31, 2023
- Deposits increased $0.4 billion, or 9.2% annualized, between
March 31, 2023 and June 30, 2023
- Approximately 90% of total deposits were FDIC-insured or
collateralized at June 30, 2023
- Pretax income for the Securities Business was $15.5 million and
$59.6 million for the three and twelve months ended June 30,
2023
- Percentage of non-performing loans relative to total loans was
0.52% at June 30, 2023, down from 0.60% at March 31, 2023
- Unrealized losses of $9.3 million on the available-for-sale
securities portfolio was less than 0.5% of stockholders’ equity at
June 30, 2023; no securities were classified as
held-to-maturity
- Tier 1 capital to risk weighted assets was 11.63% for the Bank
and 10.94% for Axos at June 30, 2023, up from 11.55% and 10.71%,
respectively, at March 31, 2023
- Book value increased to $32.53 per share, up 18.4% compared to
June 30, 2022
- Repurchased $17.7 million of common stock during the quarter
ended June 30, 2023
Fourth Quarter Fiscal 2023 Income Statement Summary
Net income was $87.4 million and earnings per diluted share was
$1.46 for the three months ended June 30, 2023 compared to net
income of $57.9 million and earnings per diluted share of $0.96 for
the three months ended June 30, 2022. Net interest income increased
to $203.8 million, up 23.2% for the three months ended June 30,
2023 compared to the three months ended June 30, 2022, primarily
due to higher rates earned and higher average balances in the loan
portfolio, partially offset by higher rates paid on deposits and
increased deposit balances.
The provision for credit losses was $7.0 million for the three
months ended June 30, 2023 compared to $6.0 million for the three
months ended June 30, 2022, primarily due to loan growth, changes
in the macroeconomic environment and changes in loan product
mix.
Non-interest income increased to $32.7 million, up 20.7%, for
the three months ended June 30, 2023 from $27.1 million for the
three months ended June 30, 2022. The net increase was primarily
due to a $8.9 million increase in broker-dealer fee income and a
$1.5 million increase in banking and service fees, partially offset
by a $2.6 million decrease in prepayment penalty fee income and a
$1.5 million decrease in mortgage banking income.
Non-interest expense, comprised of various operating expenses,
increased 7.3% to $112.5 million for the three months ended June
30, 2023 from $104.8 million for the three months ended June 30,
2022. The net increase was primarily driven by an increase in
salaries and related costs of $11.0 million and higher advertising
and promotional expenses of $4.6 million, partially offset by lower
general and administrative expenses, reflecting the absence of an
$11 million charge due largely to a one-time resolution of a
contractual claim in the prior year quarter.
Our effective tax rate was 25.34% for the three months ended
June 30, 2023 compared to 29.15% for the three months ended June
30, 2022. The lower tax rate for the three months ended June 30,
2023, was primarily due to the impact of one-time income tax
credits recognized in the current quarter.
Full Year Fiscal 2023 Highlights
- Net income reached a record $307.2 million, an increase of
27.6% compared to the fiscal year ended June 30, 2022
- Earnings per diluted share outstanding were $5.07, up 27.7%
from $3.97 in the fiscal year ended June 30, 2022
- Deposits increased by $3.2 billion, or 28%, to $17.1 billion
during the fiscal year ended June 30, 2023
- Net interest margin for the Banking Business segment increased
to 4.48% for the fiscal year ended June 30, 2023 compared to 4.36%
for the fiscal year ended June 30, 2022
- Efficiency ratio was 49.48% for the fiscal year ended June 30,
2023 compared to 50.25% for the fiscal year ended June 30,
2022
- Return on average assets increased to 1.64% for the fiscal year
ended June 30, 2023 from 1.57% for the fiscal year ended June 30,
2022
Balance Sheet Summary
Axos’ total assets increased $2.9 billion or 16.9% to $20.3
billion at June 30, 2023 from June 30, 2022, primarily due to an
increase of $2.4 billion in loans held for investment and an
increase of $0.8 billion in total cash held. Total liabilities
increased $2.7 billion to $18.4 billion at June 30, 2023 from June
30, 2022, primarily due to an increase of $3.2 billion in deposits,
partially offset by a $0.3 billion decrease in securities loaned.
Stockholders’ equity increased by $274.2 million, or 16.7%, to $1.9
billion at June 30, 2023 from $1.6 billion at June 30, 2022. The
increase was primarily the result of net income of $307.2 million
and $20.0 million of stock-based compensation activity, partially
offset by the repurchase of $49.3 million of common stock.
The Bank’s Tier 1 capital ratio was 11.63% at June 30, 2023
compared to 11.24% at June 30, 2022.
Conference Call
A conference call and webcast will be held on Thursday, July 27,
2023 at 4:00 PM Eastern / 1:00 PM Pacific. Analysts and investors
may dial in and participate in the question/answer session. To
access the call, please dial: 877-407-8293. The conference call
will be webcast live and both the webcast and the earnings
supplement may be access at Axos’ website,
http://www.axosfinancial.com. For those unable to listen to the
live broadcast, a replay will be available until August 27, 2023,
at the Axos Financial website and telephonically by dialing
toll-free number 877-660-6853, passcode 13739708.
About Axos Financial, Inc. and Subsidiaries
The condensed consolidated financial statements include the
accounts of Axos Financial, Inc. (“Axos”) and its wholly owned
subsidiaries, Axos Bank (the “Bank”) and Axos Nevada Holding, LLC
(“Axos Nevada Holding” and collectively, the “Company”). Axos, the
Bank and Axos Nevada Holding comprise substantially all of the
Company’s assets and liabilities and revenues and expenses. Axos
Nevada Holding wholly owns its subsidiary Axos Securities, LLC,
which wholly owns subsidiaries Axos Clearing LLC., a clearing
broker dealer, Axos Invest, Inc., a registered investment advisor,
and Axos Invest, LLC., an introducing broker dealer. With
approximately $20.3 billion in consolidated assets, Axos Financial,
Inc., through Axos Bank, provides consumer and business banking
products through its low-cost distribution channels and affinity
partners. Axos Clearing LLC (including its business division AAS),
with approximately $34.8 billion of assets under custody and/or
administration, and Axos Invest, Inc., provide comprehensive
securities clearing and custody services to introducing
broker-dealers and registered investment advisor correspondents,
and digital investment advisory services to retail investors,
respectively. Axos Financial, Inc.’s common stock is listed on the
NYSE under the symbol “AX” and is a component of the Russell 2000®
Index, the S&P SmallCap 600® Index, the KBW Nasdaq Financial
Technology Index, and the Travillian Tech-Forward Bank Index. For
more information on Axos Financial, Inc., please visit
investors.axosfinancial.com.
Segment Reporting
The Company operates through two segments: Banking Business and
Securities Business. In order to reconcile the two segments to the
consolidated totals, the Company includes parent-only activities
and intercompany eliminations. Inter-segment transactions are
eliminated in consolidation and primarily include non-interest
income earned by the Securities Business segment and non-interest
expense incurred by the Banking Business segment for cash sorting
fees related to deposits sourced from Securities Business segment
customers, as well as interest expense paid by the Banking Business
segment to each of the wholly-owned subsidiaries of the Company and
to the Company itself for their operating cash held on deposit with
the Business Banking segment.
The following tables present the operating results of the
segments and reconciliations:
For the Three Months Ended June
30, 2023
(Dollars in thousands)
Banking Business
Securities Business
Corporate/Eliminations
Axos Consolidated
Net interest income
$
201,770
$
5,556
$
(3,572
)
$
203,754
Provision for loan losses
7,000
—
—
7,000
Non-interest income
10,306
37,640
(15,241
)
32,705
Non-interest expense
95,579
27,648
(10,771
)
112,456
Income (Loss) before income taxes
$
109,497
$
15,548
$
(8,042
)
$
117,003
For the Three Months Ended June
30, 2022
(Dollars in thousands)
Banking Business
Securities Business
Corporate/Eliminations
Axos Consolidated
Net interest income
$
165,504
$
3,509
$
(3,603
)
$
165,410
Provision for loan losses
6,000
—
—
6,000
Non-interest income
14,004
18,864
(5,768
)
27,100
Non-interest expense
83,817
22,797
(1,821
)
104,793
Income (Loss) before income taxes
$
89,691
$
(424
)
$
(7,550
)
$
81,717
Twelve Months Ended June 30,
2023
(Dollars in thousands)
Banking Business
Securities Business
Corporate/Eliminations
Axos Consolidated
Net interest income
$
776,294
$
21,042
$
(14,215
)
$
783,121
Provision for loan losses
24,750
—
—
24,750
Non-interest income
42,260
141,107
(62,879
)
120,488
Non-interest expense
390,911
102,572
(46,368
)
447,115
Income (Loss) before income taxes
$
402,893
$
59,577
$
(30,726
)
$
431,744
Twelve Months Ended June 30,
2022
(Dollars in thousands)
Banking Business
Securities Business
Corporate/Eliminations
Axos Consolidated
Net interest income
$
597,833
$
17,580
$
(8,255
)
$
607,158
Provision for loan losses
18,500
—
—
18,500
Non-interest income
60,881
64,069
(11,587
)
113,363
Non-interest expense
274,079
84,014
3,969
362,062
Income (Loss) before income taxes
$
366,135
$
(2,365
)
$
(23,811
)
$
339,959
Use of Non-GAAP Financial Measures
In addition to the results presented in accordance with GAAP,
this release includes the non-GAAP financial measures adjusted
earnings, adjusted earnings per diluted common share, and tangible
book value per common share. Non-GAAP financial measures have
inherent limitations, may not be comparable to similarly titled
measures used by other companies and are not audited. Readers
should be aware of these limitations and should be cautious as to
their reliance on such measures. As noted below with respect to
each measure, we believe the non-GAAP financial measures disclosed
in this release enhance investors’ understanding of our business
and performance, and our management uses these non-GAAP measures
when it internally evaluates the performance of our business and
makes operating decisions. However, these non-GAAP measures should
not be considered in isolation, or as a substitute for GAAP basis
financial measures.
We define “adjusted earnings”, a non-GAAP financial measure, as
net income without the after-tax impact of non-recurring
acquisition-related costs (including amortization of intangible
assets related to acquisitions) and other costs (unusual or
non-recurring charges). Adjusted earnings per diluted common share
(“adjusted EPS”), a non-GAAP financial measure, is calculated by
dividing non-GAAP adjusted earnings by the average number of
diluted common shares outstanding during the period. We believe the
non-GAAP measures of adjusted earnings and adjusted EPS provide
useful information about Axos’ operating performance. We believe
excluding the non-recurring acquisition-related costs and other
costs provides investors with an alternative understanding of Axos’
core business.
Below is a reconciliation of net income, the nearest comparable
GAAP measure, to adjusted earnings and adjusted EPS (Non-GAAP) for
the periods shown:
Three Months Ended
Twelve Months Ended
June 30,
June 30,
(Dollars in thousands, except per share
amounts)
2023
2022
2023
2022
Net income
$
87,356
$
57,896
$
307,165
$
240,716
Acquisition-related costs
2,779
2,745
10,948
11,355
Other costs1
—
10,975
16,000
10,975
Income taxes
(704
)
(4,000
)
(7,776
)
(6,519
)
Adjusted earnings (Non-GAAP)
$
89,431
$
67,616
$
326,337
$
256,527
Average dilutive common shares
outstanding
59,707,871
60,508,304
60,566,854
60,610,954
Diluted EPS
$
1.46
$
0.96
$
5.07
$
3.97
Acquisition-related costs
0.05
0.05
0.18
0.19
Other costs1
—
0.18
0.27
0.18
Income taxes
(0.01
)
(0.07
)
(0.13
)
(0.11
)
Adjusted EPS (Non-GAAP)
$
1.50
$
1.12
$
5.39
$
4.23
1 Other costs for the twelve months ended June 30, 2023 reflect
an accrual in the first quarter of 2023 as a result of adverse
legal judgment that has not been finalized. Other costs for the
three and twelve months ended June 30, 2022 reflect a one-time
resolution of a contractual claim.
We define “tangible book value”, a non-GAAP financial measure,
as book value adjusted for goodwill and other intangible assets.
Tangible book value is calculated using common stockholders’ equity
minus mortgage servicing rights, goodwill and other intangible
assets. Tangible book value per common share, a non-GAAP financial
measure, is calculated by dividing tangible book value by the
common shares outstanding at the end of the period. We believe
tangible book value per common share is useful in evaluating the
Company’s capital strength, financial condition, and ability to
manage potential losses.
Below is a reconciliation of total stockholders’ equity to
tangible book value per common share (Non-GAAP) as of the dates
indicated:
June 30,
(Dollars in thousands, except per share
amounts)
2023
2022
Common stockholders’ equity
$
1,917,159
$
1,642,973
Less: mortgage servicing rights, carried
at fair value
25,443
25,213
Less: goodwill and other intangible
assets
152,149
156,405
Tangible common stockholders’ equity
(Non-GAAP)
$
1,739,567
$
1,461,355
Common shares outstanding at end of
period
58,943,035
59,777,949
Book value per common share
$
32.53
$
27.48
Less: mortgage servicing rights, carried
at fair value per common share
0.44
0.42
Less: goodwill and other intangible assets
per common share
2.58
2.61
Tangible book value per common share
(Non-GAAP)
$
29.51
$
24.45
Forward-Looking Safe Harbor Statement
This press release contains forward-looking statements that
involve risks and uncertainties, including without limitation
statements relating to Axos’ financial prospects and other
projections of its performance and asset quality, Axos’ deposit
balances and capital ratios, Axos’ ability to continue to grow
profitably and increase its business, Axos’ ability to continue to
diversify its lending and deposit franchises, the anticipated
timing and financial performance of other offerings, initiatives,
and acquisitions, expectations of the environment in which Axos
operates and projections of future performance. These
forward-looking statements are made on the basis of the views and
assumptions of management regarding future events and performance
as of the date of this press release. Actual results and the timing
of events could differ materially from those expressed or implied
in such forward-looking statements as a result of risks and
uncertainties, including without limitation Axos’ ability to
successfully integrate acquisitions and realize the anticipated
benefits of the transactions, changes in the interest rate
environment, monetary policy, inflation, government regulation,
general economic conditions, changes in the competitive
marketplace, conditions in the real estate markets in which we
operate, risks associated with credit quality, our ability to
attract and retain deposits and access other sources of liquidity,
and the outcome and effects of litigation and other factors beyond
our control. These and other risks and uncertainties detailed in
Axos’ periodic reports filed with the Securities and Exchange
Commission, including its 2022 Form 10-K, as supplemented by its
Quarterly Report on Form 10-Q for the period ended December 31,
2022, could cause actual results to differ materially from those
expressed or implied in any forward-looking statements. Readers are
cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date of this press release.
All forward-looking statements are qualified in their entirety by
this cautionary statement, and Axos undertakes no obligation to
revise or update any forward-looking statements to reflect events
or circumstances after the date of this press release. Axos
undertakes no obligation to publicly update or revise any
forward-looking statements, whether as a result of new information,
future events or otherwise. All written and oral forward-looking
statements made in connection with this press release, which are
attributable to us or persons acting on Axos’ behalf are expressly
qualified in their entirety by the foregoing information.
The following tables set forth certain selected financial data
concerning the periods and the dates indicated:
AXOS FINANCIAL, INC.
SELECTED CONSOLIDATED
FINANCIAL INFORMATION
(Unaudited – dollars in
thousands)
(Dollars in thousands)
June 30, 2023
June 30, 2022
June 30, 2021
Selected Balance Sheet Data:
Total assets
$
20,348,469
$
17,401,165
$
14,265,565
Loans—net of allowance for credit
losses
16,456,728
14,091,061
11,414,814
Loans held for sale, carried at fair
value
23,203
4,973
29,768
Loans held for sale, lower of cost or fair
value
776
10,938
12,294
Allowance for credit losses - loans
166,680
148,617
132,958
Securities—trading
758
1,758
1,983
Securities—available-for-sale
232,350
262,518
187,335
Securities borrowed
134,339
338,980
619,088
Customer, broker-dealer and clearing
receivables
374,074
417,417
369,815
Total deposits
17,123,108
13,946,422
10,815,797
Advances from the FHLB
90,000
117,500
353,500
Borrowings, subordinated notes and
debentures
361,779
445,244
221,358
Securities loaned
159,832
474,400
728,988
Customer, broker-dealer and clearing
payables
445,477
511,654
535,425
Total stockholders’ equity
1,917,159
1,642,973
1,400,936
Capital Ratios:
Equity to assets at end of period
9.42
%
9.44
%
9.82
%
Axos Financial, Inc.:
Tier 1 leverage capital to adjusted
average assets
8.94
%
9.25
%
8.82
%
Common equity tier 1 capital (to
risk-weighted assets)
10.94
%
9.86
%
11.36
%
Tier 1 capital (to risk-weighted
assets)
10.94
%
9.86
%
11.36
%
Total capital (to risk-weighted
assets)
13.82
%
12.73
%
13.78
%
Axos Bank:
Tier 1 leverage capital to adjusted
average assets
9.68
%
10.65
%
9.45
%
Common equity tier 1 capital (to
risk-weighted assets)
11.63
%
11.24
%
12.28
%
Tier 1 capital (to risk-weighted
assets)
11.63
%
11.24
%
12.28
%
Total capital (to risk-weighted
assets)
12.50
%
12.01
%
13.21
%
Axos Clearing, LLC:
Net capital
$
35,221
$
38,915
$
35,950
Excess capital
$
29,905
$
32,665
$
27,904
Net capital as a percentage of aggregate
debit items
13.25
%
12.45
%
8.94
%
Net capital in excess of 5% aggregate
debit items
$
21,930
$
23,290
$
15,836
AXOS FINANCIAL, INC.
SELECTED CONSOLIDATED
FINANCIAL INFORMATION
(Unaudited – dollars in
thousands, except per share data)
At or for the Three Months
Ended
At or for the Fiscal Year
Ended
June 30,
June 30,
(Dollars in thousands, except per share
data)
2023
2022
2023
2022
Selected Income Statement Data:
Interest and dividend income
$
346,430
$
184,161
$
1,157,138
$
659,728
Interest expense
142,676
18,751
374,017
52,570
Net interest income
203,754
165,410
783,121
607,158
Provision for credit losses
7,000
6,000
24,750
18,500
Net interest income after provision for
loan losses
196,754
159,410
758,371
588,658
Non-interest income
32,705
27,100
120,488
113,363
Non-interest expense
112,456
104,793
447,115
362,062
Income before income tax expense
117,003
81,717
431,744
339,959
Income tax expense
29,647
23,821
124,579
99,243
Net income
$
87,356
$
57,896
$
307,165
$
240,716
Per Share Data:
Net income:
Basic
$
1.48
$
0.97
$
5.15
$
4.04
Diluted
$
1.46
$
0.96
$
5.07
$
3.97
Adjusted EPS (Non-GAAP)1
$
1.50
$
1.12
$
5.39
$
4.23
Book value
$
32.53
$
27.48
$
32.53
$
27.48
Tangible book value per common share
(Non-GAAP)1
$
29.51
$
24.45
$
29.51
$
24.45
Weighted average number of shares
outstanding:
Basic
58,981,372
59,665,041
59,691,541
59,523,626
Diluted
59,707,871
60,508,304
60,566,854
60,610,954
Common shares outstanding at end of
period
58,943,035
59,777,949
58,943,035
59,777,949
Common shares issued at end of period
69,465,446
68,859,722
69,465,446
68,859,722
Performance Ratios and Other
Data:
Loan originations for investment
$
2,216,764
$
3,152,064
$
8,452,215
$
10,366,796
Loan originations for sale
$
95,788
$
86,873
$
254,288
$
656,487
Return on average assets
1.73
%
1.40
%
1.64
%
1.57
%
Return on average common stockholders’
equity
18.60
%
14.13
%
17.12
%
15.61
%
Interest rate spread2
3.20
%
3.86
%
3.44
%
3.91
%
Net interest margin3
4.19
%
4.19
%
4.34
%
4.13
%
Net interest margin3 - Banking Business
Segment
4.26
%
4.45
%
4.48
%
4.36
%
Efficiency ratio4
47.56
%
54.44
%
49.48
%
50.25
%
Efficiency ratio4 - Banking Business
Segment
45.07
%
46.69
%
47.76
%
41.61
%
Asset Quality Ratios:
Net annualized charge-offs to average
loans
0.04
%
0.02
%
0.04
%
0.02
%
Non-performing loans and leases to total
loans
0.52
%
0.83
%
0.52
%
0.83
%
Non-performing assets to total assets
0.47
%
0.68
%
0.47
%
0.68
%
Allowance for credit losses - loans to
total loans held for investment
1.00
%
1.04
%
1.00
%
1.04
%
Allowance for credit losses - loans to
non-performing loans
191.23
%
125.74
%
191.23
%
125.74
%
1
See “Use of Non-GAAP Financial Measures”
herein.
2
Interest rate spread represents the
difference between the annualized weighted average yield on
interest-earning assets and the annualized weighted average rate
paid on interest-bearing liabilities.
3
Net interest margin represents annualized
net interest income as a percentage of average interest-earning
assets.
4
Efficiency ratio represents non-interest
expense as a percentage of the aggregate of net interest income and
non-interest income.
View source
version on businesswire.com: https://www.businesswire.com/news/home/20230727082082/en/
Investor Relations Contact: Johnny Lai, CFA SVP, Corporate
Development & Investor Relations (858) 649-2218
jlai@axosfinancial.com
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