Axos Financial Q4 net income $124.9M, EPS $2.16; adjusted EPS $2.53, up 30% YoY

Axos Financial, Inc.

Net income $124.9M ($2.16 diluted EPS) vs $110.7M ($1.92) YoY; adjusted EPS $2.53 vs $1.94.
Net interest income $317.9M (+13.5% YoY); non-interest income $61.9M (+49.9%) driven by banking fees.
Total assets $29.96B (+21% YoY); loans net $25.6B; deposits $24.6B.
Full year net income $490.4M ($8.48 diluted EPS) vs $432.9M ($7.43) YoY.
Provision for credit losses $17.9M vs $15.0M; allowance for credit losses $347.4M.

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