Axos Financial vs Banc Of California
Banc Of California is the larger business, with $1.82bn of revenue in fiscal 2025 against $1.48bn for Axos Financial (1.2 times as much). Axos Financial grew faster (17.6% against -3.8%). Axos Financial kept more of each dollar of sales as profit: a net margin of 33.1% against 12.6%.
| Latest fiscal year | Axos FinancialAX, 2026 | Banc Of CaliforniaBANC, 2025 |
|---|---|---|
| Revenue | $1.48bn | $1.82bn |
| Revenue growth | 17.6% | -3.8% |
| Net income | $490m | $229m |
| Operating margin | — | — |
| Net margin | 33.1% | 12.6% |
| Return on equity | 16.8% | 6.5% |
| Free cash flow | $291m | $235m |
| Cash | $1.11bn | $2.31bn |
| Total debt | $577m | $2.30bn |
| Debt to equity | — | — |
| Dividend per share | — | — |
| Dividend yield | — | 2.4% |
| Share buybacks | $22.0m | $0 |
| Employees | 2,191 | 1,904 |
| Market value | $5.32bn | $2.82bn |
| Price vs our value range | — | — |
| Moat score | 89 (Strong) | 18 (Weak) |
| Insider trades, 12 months | 0 buys, 13 sales | 2 buys, 13 sales |