Axos Financial, Inc. (AX) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.737 actual financial fourth quarter 2025 earnings followed 00:00:05.881 -- 00:00:09.207 by cash. At this time, all participants are in English as you know. 00:00:09.207 -- 00:00:13.113 The question and answer session will follow the formal 00:00:13.113 -- 00:00:17.301 presentation. If anyone should require operator assistance during the conference, please 00:00:17.301 -- 00:00:22.360 press star zero on your telephone keypad. As a reminder, this conference is being 00:00:22.360 -- 00:00:24.360 recorded. 00:00:24.422 -- 00:00:29.667 It is now my pleasure to introduce you to your host, Johnny Lai, SVP, Corporate Development 00:00:29.667 -- 00:00:33.370 and IR. Thank you, Johnny. You may begin. 00:00:33.370 -- 00:00:37.995 Thanks, Alicia. Good afternoon, everyone, and thanks for your interest in Axos. 00:00:37.995 -- 00:00:43.860 Joining us today for Axos Financial Inc.' 's fourth quarter and fiscal 2025 financial 00:00:43.860 -- 00:00:48.455 results conference call are the company's president and chief executive officer, Greg 00:00:48.455 -- 00:00:54.024 Garabrantz, and Executive Vice President and Chief Financial Officer, Derek Walsh. 00:00:54.024 -- 00:00:57.770 Greg and Derek will review and comment on the financial and operational results for the 00:00:57.770 -- 00:01:01.476 quarter and fiscal year ended June 30th, 2025, 00:01:01.476 -- 00:01:05.863 and we will be available to answer questions after the prepared remarks. 00:01:05.863 -- 00:01:10.551 Before I begin, I'd like to remind listeners that prepared remarks made on this call 00:01:10.551 -- 00:01:15.170 may contain forward-looking statements that are subject to risk and uncertainties, and 00:01:15.170 -- 00:01:19.877 that management may make additional forelinking statements i...