Peer Analysis

Performance Ratios (%) AX Peer Median Peer Average
ROAA 1.53 0.56 0.76
ROAE 15.27 4.49 6.50
Net Interest Margin 4.07 3.39 3.51
Efficiency Ratio 47.88 74.32 75.04
Loans / Deposits 105.95 97.83 96.28
Asset Quality Ratios (%)
NPAs / Assets 0.48 0.71 0.91
NCOs / Avg Loans 0.19 (0.02) (0.02)
Reserves / Loans 0.78 0.84 0.98
Reserves / NPAs 137.58 99.58 105.42
Capital Ratios (%)
Tier 1 Capital 12.26 20.85 22.27
Tangible Equity / Tangible Assets 8.41 11.62 12.12
Total Equity / Total Assets 9.56 11.62 12.62
Market Ratios
Price / Earnings (x) 12.14 16.26 20.11
Price / Book (%) 173.29 113.82 113.77
Dividend Yield (%) 0.00 2.27 2.02
Data for trailing four quarters

Axos Financial, Inc.'s peer group consists of the following: Banc of California, Inc. (BANC), Broadway Financial Corporation (BYFC), First Financial Northwest, Inc. (FFNW), Home Federal Bancorp, Inc. (HOME), Provident Financial Holdings, Inc. (PROV), Riverview Bancorp, Inc. (RVSB), Simplicity Bancorp, Inc. (SMPL), Territorial Bancorp Inc. (TBNK), Timberland Bancorp, Inc. (TSBK)

Axos Financial, Inc.'s financial data is as of 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

Simplicity Bancorp, Inc.'s financial data is as of 12/31/2014.
Home Federal Bancorp, Inc.'s financial data is as of 3/31/2014.