AX Stock Analysis: Buy, Sell, or Hold?
AX - Axos Financial, Inc. Common Stock
$103.66
2.25 (2.22%)
▲
5d:
+8.11%
30d:
+5.88%
90d:
+18.59%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 30, 2026
0d
Get Alerted When AX Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: AX is fairly valued with market pricing in 3.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: AX is fairly valued with market pricing in 3.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$146.42
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$90.92
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: AX is currently trading at $103.66, which is considered extended relative to its 30-day fair value range of $95.99 to $99.92. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.8) compared to its historical average (9.6). At these levels, the market is pricing in 3.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, AX is in a uptrend. The price is approaching resistance at $105.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $118.43 (+14.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, AX is in a uptrend. The price is approaching resistance at $105.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $118.43 (+14.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$95.99 -
$99.92
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.5%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($118.43)
- NEUTRAL: Market pricing in 3.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$95.99 -
$99.92
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$94.19
Resistance Level
$105.20
Current Trend
Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.78
Wall Street Target
$118.43
(+14.2%)
Revenue Growth (YoY)
18.1%
Earnings Growth (YoY)
12.3%
Profit Margin
36.0%
Valuation Premium vs History
+3.9% premium
PE vs Historical
10.8 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.9%
(market-implied from PE analysis)
1-Year Target
$107.70
(+4%)
2-Year Target
$111.90
(+8%)
3-Year Target
$116.27
(+12%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$103.49
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 15.5%)
$307.39
(+197%)
Base:
(SPY PE: 10.8, Growth: 15.5%)
$159.92
(+54%)
Bear:
(PE: 9.2, Growth: 15.5%)
$135.93
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.96 | Current EPS (TTM): $8.48
Bull Case
$126.44
(+22%)
Analyst growth 13.3%, PE expands to 13.2
Base Case
$114.94
(+11%)
Market implied 13.3%, PE stable at 12.0
Bear Case
$68.96
(-34%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 9:54 PM ET
Data refreshes hourly during market hours. Next update: 10:54 PM
Data refreshes hourly during market hours. Next update: 10:54 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is AX showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Derrick Walsh
SELL
4846 shares
2026-02-06
James John Court
SELL
11163 shares
2026-02-06
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
CFG
Citizens Financial Group… |
STRONG BUY
17 analysts |
$81 | 56 HOLD |
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 57 HOLD |
|
USB
U.S. Bancorp |
BUY
24 analysts |
$70 | 50 HOLD |
|
WAL
Western Alliance Bancorp… |
STRONG BUY
15 analysts |
$92 | 56 HOLD |
|
FHN
First Horizon Corporation |
BUY
16 analysts |
$28 | 59 HOLD |
