Head to Head Review: BofI (BOFI) vs. Its Peers

BofI (NASDAQ: BOFI) is one of 307 publicly-traded companies in the “Banks” industry, but how does it contrast to its competitors? We will compare BofI to similar companies based on the strength of its analyst recommendations, institutional ownership, dividends, risk, earnings, valuation and profitability.

Institutional & Insider Ownership

84.5% of BofI shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 6.2% of BofI shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Risk and Volatility

BofI has a beta of 0.39, meaning that its stock price is 61% less volatile than the S&P 500. Comparatively, BofI’s competitors have a beta of 0.79, meaning that their average stock price is 21% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations and price targets for BofI and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BofI 0 1 3 0 2.75
BofI Competitors 2431 8791 8762 370 2.35

BofI presently has a consensus target price of $34.50, suggesting a potential upside of 7.28%. As a group, “Banks” companies have a potential downside of 8.86%. Given BofI’s stronger consensus rating and higher possible upside, equities analysts plainly believe BofI is more favorable than its competitors.

Valuation & Earnings

This table compares BofI and its competitors revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
BofI $455.42 million $134.74 million 15.10
BofI Competitors $5.61 billion $833.70 million 394.23

BofI’s competitors have higher revenue and earnings than BofI. BofI is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares BofI and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
BofI 29.36% 17.00% 1.62%
BofI Competitors 18.39% 8.33% 0.94%

Summary

BofI beats its competitors on 7 of the 13 factors compared.

BofI Company Profile

BofI Holding, Inc. (BofI) is the holding company for BofI Federal Bank (the Bank). The Bank is a diversified financial services company. The Bank provides consumer and business banking products through its branchless, low-cost distribution channels and affinity partners. The Bank has deposit and loan customers, including consumer and business checking, savings and time deposit accounts and financing for single family and multifamily residential properties, small-to-medium size businesses in target sectors, and selected specialty finance receivables. The Bank distributes its deposit products through a range of retail distribution channels, and its deposits consist of demand, savings and time deposits accounts. Its mortgage-backed securities consist primarily of mortgage pass-through securities issued by government-sponsored entities and non-agency collateralized mortgage obligations and pass-through mortgage-backed securities issued by private sponsors.

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