Form 8-K

8-K — Axos Financial, Inc.

Accession: 0001299709-26-000047

Filed: 2026-07-07

Period: 2026-07-06

CIK: 0001299709

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — ax-20260706.htm (Primary)

EX-99.1 (pressrelease20260707announ.htm)

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8-K

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 6, 2026

Axos Financial, Inc.

(Exact name of registrant as specified in its charter)

Delaware 001-37709 33-0867444

(State or other jurisdiction of

incorporation) (Commission File Number) (IRS Employer Identification

Number)

9205 West Russell Road, Ste 400

Las Vegas, NV 89148

(Address of principal executive offices and zip code)

Registrant’s telephone number, including area code: (858) 649-2218

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common stock, $0.01 par value AX New York Stock Exchange

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01 Other Events.

On July 6, 2026, Axos Nevada Holding, LLC, a subsidiary of Axos Financial, Inc. (“Axos” or the “Company”) entered into a definitive agreement to acquire Arc Technologies, Inc. (“Arc”), a financial technology platform serving technology and growth companies. The transaction is expected to close later this month and is not expected to have a material impact to results of operations or financial condition.

A press release announcing the transaction was issued on July 7, 2026, and a copy of the press release is furnished with this Form 8-K and attached hereto as Exhibit 99.1.

This Form 8-K and the information included in the press release shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (“Exchange Act”), nor shall it be incorporated by reference into a filing under the Securities Act of 1933, as amended (“Securities Act”), or the Exchange Act, except as expressly set forth by specific reference in such a filing. The furnishing of the information in this report is not intended to, and does not, constitute a determination or admission by the Registrant that the information in this report is material or complete, or that investors should consider this information before making an investment decision with respect to any security of the Registrant or any of its affiliates.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Description

99.1

Press Release

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Axos Financial, Inc.

Date: July 7, 2026 By: /s/ Derrick K. Walsh

Derrick K. Walsh

EVP and Chief Financial Officer

EX-99.1

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Document

Axos Financial, Inc. to Acquire Arc Technologies, Inc.

Acquisition Brings AI-Native Financial Technology Platform with Cash Management and Capital Markets Capabilities to Axos, Accelerating Digital Strategy

LAS VEGAS--(BUSINESS WIRE)-- Axos Nevada Holding, LLC, a subsidiary of Axos Financial, Inc. (“Axos” or the “Company”) announced that it has entered into a definitive agreement to acquire Arc Technologies, Inc. (“Arc”), a financial technology platform serving technology and growth companies.

Founded in 2021, Arc provides integrated cash management, capital markets, and AI-powered financial software solutions through a unified platform designed to help businesses manage cash, access debt financing, and streamline financial operations.

Axos expects the transaction to enhance its ability to serve the millions of small businesses in the United States that are structurally underserved by traditional banks.

The acquisition also expands Axos’ AI capabilities through Arc’s financial intelligence infrastructure and agentic finance tools designed to automate workflows, deliver insights, and improve operational efficiency.

“Arc brings an exceptional team, a modern technology platform, and deep expertise serving the innovation ecosystem,” said Greg Garrabrants, President and Chief Executive Officer of Axos Financial, Inc. “The combination of Arc’s product and software engineering capabilities with Axos’ diverse products and services, nationwide distribution, and capital resources creates a compelling opportunity to build a differentiated digital banking solution for businesses across their full lifecycle.”

Nick Lombardo, Chief Executive Officer and Co-Founder of Arc, added, “We built Arc with the belief that businesses deserve a more intelligent and integrated financial platform. Joining Axos gives us the infrastructure, product breadth, and scale to pursue that vision significantly faster while continuing to deliver the modern experience our customers rely on.”

The transaction is expected to close in July 2026, subject to customary closing conditions.

About Arc

Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services – all in one unified platform. Founded in 2021, Arc has headquarters in San Francisco and New York City and is backed by investors including Left Lane Capital, NFX, Bain Capital Ventures, Atalaya, Clocktower Technology Ventures, Torch Capital, and Y Combinator. To learn more, visit www.joinarc.com.

About Axos Financial, Inc. and Subsidiaries

Axos Financial, Inc., with approximately $29.2 billion in consolidated assets as of March 31, 2026, is the holding company for Axos Bank, Axos Clearing LLC and Axos Invest, Inc. Axos Bank provides consumer and business banking products nationwide through its low-cost distribution channels and affinity partners. Axos Clearing LLC (including its business division Axos Advisor Services), with approximately $44.0 billion of assets under custody and/or administration as of March 31, 2026, and Axos Invest, Inc., provide comprehensive securities clearing 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 and the S&P SmallCap 600® Index, among other indices. For more information on Axos Financial, Inc., please visit http://investors.axosfinancial.com.

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, the expected completion and timing of the acquisition of Arc Technologies, Inc. (“Arc”), the anticipated benefits of the transaction, including

the expected enhancement of Axos’ digital banking, AI and technology capabilities, the expected integration of Arc’s team and platform into Axos’ banking organization, and expectations of the environment in which Axos operates. 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 the ability of the parties to consummate the proposed transaction on a timely basis or at all, the satisfaction of the conditions precedent to consummation of the proposed transaction, the ability to successfully integrate Arc’s operations and employees and realize the anticipated benefits of the transaction, the ability to retain key employees of Arc, changes in the interest rate environment, monetary policy, inflation, tariffs, government regulation, general economic conditions, and the outcome and effects of litigation and other factors beyond our control.

These and other risks and uncertainties are detailed in Axos’ periodic reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended June 30, 2025. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of 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.

Johnny Lai, CFA

SVP, Corporate Development & Investor Relations

Axos Financial, Inc.

Phone: 1-858-649-2218

Email: jlai@axosfinancial.com

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