BofI Holding Company Profile (NASDAQ:BOFI)

About BofI Holding (NASDAQ:BOFI)

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.

Industry, Sector and Symbol:

Sector: Financials
Industry: Banks
Sub-Industry: Thrifts & Mortgage Finance
Symbol: NASDAQ:BOFI
CUSIP: 05566U10
Web: www.bofiholding.com

Capitalization:

Market Cap: $1.74 billion
Outstanding Shares: 63,605,000

Average Prices:

50 Day Moving Avg: $26.85
200 Day Moving Avg: $25.12
52 Week Range: $17.95 - $32.57

P/E:

Trailing P/E Ratio: 13.24
Foreward P/E Ratio: 9.89
P/E Growth: 1.14

Sales & Book Value:

Annual Revenue: $370.3 million
Price / Sales: 4.71
Book Value: $13.05 per share
Price / Book: 2.10

Profitability:

Net Margins: 35.36%
Return on Equity: 16.04%
Return on Assets: 1.52%

Debt:

Debt-to-Equity Ratio: 0.07%
Current Ratio: 1.16%
Quick Ratio: 1.15%

Misc:

Average Volume: 607,823 shs.
Beta: 0.39
Short Ratio: 39.13

Frequently Asked Questions for BofI Holding (NASDAQ:BOFI)

What is BofI Holding's stock symbol?

BofI Holding trades on the NASDAQ under the ticker symbol "BOFI."

How were BofI Holding's earnings last quarter?

BofI Holding, Inc. (NASDAQ:BOFI) announced its earnings results on Tuesday, April, 25th. The company reported $0.63 earnings per share (EPS) for the quarter, beating the Thomson Reuters' consensus estimate of $0.63 by $0.00. The business earned $111.73 million during the quarter, compared to analyst estimates of $109.89 million. BofI Holding had a return on equity of 16.04% and a net margin of 35.36%. During the same quarter in the previous year, the business earned $0.56 earnings per share. View BofI Holding's Earnings History.

When will BofI Holding make its next earnings announcement?

BofI Holding is scheduled to release their next quarterly earnings announcement on Wednesday, October, 25th 2017. View Earnings Estimates for BofI Holding.

Where is BofI Holding's stock going? Where will BofI Holding's stock price be in 2017?

5 equities research analysts have issued 1-year price objectives for BofI Holding's stock. Their predictions range from $30.00 to $39.00. On average, they anticipate BofI Holding's stock price to reach $34.00 in the next year. View Analyst Ratings for BofI Holding.

What are analysts saying about BofI Holding stock?

Here are some recent quotes from research analysts about BofI Holding stock:

1. FBR & Co analysts commented, "BOFI remains well positioned for growth and low credit costs, despite a flatter yield curve, as the company has significantly improved its deposit franchise over the past five years from a thrift-like, CD-heavy deposit base, to an attractive core deposit due to expanded deposit product offerings and treasury management capabilities. We expect BOFI will be able to maintain its core deposit funding to support robust loan growth because of its commercially focused deposit base despite industry challenges. This should support robust earnings growth given the bank’s highly efficient structure, which drives above peer profitability. We reiterate our BUY rating and make BOFI our Alpha Generator pick as BOFI trades at 11.9x our 2018 estimate, a 28% discount to peers." (9/29/2017)
2. According to Zacks Investment Research, "Bofi Holding is the holding company for Bank of Internet USA, a consumer-focused, nationwide savings bank operating primarily through the Internet from a single location in San Diego, California. They provide a variety of consumer banking services, focusing primarily on gathering retail deposits over the Internet and originating and purchasing multifamily and single family loans for investment. " (7/31/2017)

Who are some of BofI Holding's key competitors?

Some companies that are related to BofI Holding include Popular (BPOP), Valley National Bancorp (VLY), Washington Federal (WAFD), BancorpSouth (BXS), TCF Financial (TCF), TCF Financial Corporation (TCF), Glacier Bancorp (GBCI), Metro Bank PLC (MTRO), Community Bank System (CBU), Cybg Plc (CYBG), International Bancshares Corporation (IBOC), CVB Financial Corp. (CVBF), Old National Bancorp (ONB), First Midwest Bancorp (FMBI), Astoria Financial Corporation (AF), Close Brothers Group plc (CBG), First Interstate BancSystem (FIBK) and TowneBank (TOWN).

Who are BofI Holding's key executives?

BofI Holding's management team includes the folowing people:

Paul J. Grinberg, Independent Chairman of the Board
Gregory Garrabrants, President, Chief Executive Officer, Director
Nicholas A. Mosich, Independent Vice Chairman of the Board
Andrew J. Micheletti, Chief Financial Officer, Executive Vice President
Eshel Bar-Adon, Executive Vice President, Specialty Finance and Chief Legal Officer
Thomas M. Constantine, Executive Vice President, Chief Credit Officer of the Bank
Brian Swanson, Executive Vice President, Chief Lending Officer of the Bank
James S. Argalas, Independent Director
John Gary Burke, Independent Director
James J. Court, Independent Director

Who owns BofI Holding stock?

BofI Holding's stock is owned by many different of institutional and retail investors. Top institutional shareholders include Private Asset Management Inc. (0.00%). Company insiders that own BofI Holding stock include Andrew J Micheletti, Gregory Garrabrants, James John Court, Mosich Nick and Theodore C Allrich. View Institutional Ownership Trends for BofI Holding.

Who sold BofI Holding stock? Who is selling BofI Holding stock?

BofI Holding's stock was sold by a variety of institutional investors in the last quarter, including Private Asset Management Inc.. Company insiders that have sold BofI Holding stock in the last year include Mosich Nick and Theodore C Allrich. View Insider Buying and Selling for BofI Holding.

How do I buy BofI Holding stock?

Shares of BofI Holding can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is BofI Holding's stock price today?

One share of BofI Holding stock can currently be purchased for approximately $27.40.

MarketBeat Community Rating for BofI Holding (NASDAQ BOFI)

Community Ranking:		2.9 out of 5 ( )
Outperform Votes:		234 (Vote Outperform)
Underperform Votes:		176 (Vote Underperform)
Total Votes:		410

MarketBeat's community ratings are surveys of what our community members think about BofI Holding and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.

Consensus Ratings for BofI Holding (NASDAQ:BOFI) (How are Consensus Ratings Calculated?)

Ratings Breakdown:	1 Hold Rating, 4 Buy Ratings
Consensus Rating:	Buy (Score: 2.80)
Consensus Price Target:	$34.00 (24.09% upside)

Consensus Price Target History for BofI Holding (NASDAQ:BOFI)

Analysts' Ratings History for BofI Holding (NASDAQ:BOFI)

Show:

Date	Firm	Action	Rating	Price Target	Impact on Share Price
10/9/2017	Keefe, Bruyette & Woods	Reiterated Rating	Outperform -> Market Perform	$31.00	N/A
10/4/2017	Craig Hallum	Reiterated Rating	Buy	$35.00 -> $39.00	N/A
9/29/2017	FBR & Co	Reiterated Rating	Buy	$37.00	Low
6/12/2017	DA Davidson	Reiterated Rating	Buy	$33.00	Low
11/23/2016	Stephens	Initiated Coverage	Overweight	$30.00	N/A
12/11/2015	Raymond James Financial, Inc.	Lower Price Target	Strong-Buy	$36.25 -> $35.00	N/A

(Data available from 10/17/2015 forward)

Earnings History for BofI Holding (NASDAQ:BOFI)

Earnings by Quarter for BofI Holding (NASDAQ:BOFI)

Earnings History by Quarter for BofI Holding (NASDAQ BOFI)

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Actual Revenue	Release Link	Conference Call
10/25/2017		$0.49					N/A
4/25/2017	Q3 2017	$0.63	$0.63	$109.89 million	$111.73 million	View	N/A
1/30/2017	Q217	$0.48	$0.50	$91.19 million	$93.06 million	View	N/A
10/27/2016	Q117	$0.45	$0.45	$86.52 million	$84.51 million	View	Listen
8/2/2016	Q416	$0.46	$0.46	$79.82 million	$86.17 million	View	N/A
4/28/2016	Q316	$0.56	$0.56	$75.86 million	$92.90 million	View	Listen
1/28/2016	Q216	$0.42	$0.44	$72.94 million	$79.39 million	View	Listen
10/29/2015	Q116	$1.51	$1.60	$57.06 million	$68.90 million	View	Listen
7/30/2015	Q415	$1.38	$1.54	$53.67 million	$55.29 million	View	Listen
4/30/2015	Q315	$1.27	$1.35	$56.23 million	$59.03 million	View	N/A
1/29/2015	Q215	$1.22	$1.26	$51.38 million	$54.81 million	View	N/A
11/4/2014	Q1 2015	$1.11	$1.20	$46.74 million	$50.12 million	View	N/A
8/7/2014	Q214	$1.02	$1.09	$41.26 million	$45.22 million	View	N/A
5/6/2014	Q114	$0.97	$1.00	$38.38 million	$40.88 million	View	N/A
2/4/2014	Q413	$0.79	$0.91	$28.50 million		View	N/A
11/5/2013	Q313	$0.85	$0.85			View	N/A
5/8/2013	Q3 2013	$0.72	$0.75			View	N/A

(Data available from 1/1/2011 forward)

Earnings Estimates for BofI Holding (NASDAQ:BOFI)

2017 EPS Consensus Estimate: $2.71
2018 EPS Consensus Estimate: $2.39
2019 EPS Consensus Estimate: $2.75

Quarter	Number of Estimates	Low Estimate	High Estimate	Average Estimate
Q1 2017	4	$0.45	$2.38	$1.03
Q2 2017	3	$0.45	$0.56	$0.50
Q3 2017	3	$0.61	$0.67	$0.65
Q4 2017	3	$0.51	$0.57	$0.54
Q1 2018	2	$0.49	$0.51	$0.50
Q2 2018	2	$0.53	$0.53	$0.53
Q3 2018	2	$0.74	$0.75	$0.75
Q4 2018	2	$0.59	$0.63	$0.61
Q1 2019	1	$0.61	$0.61	$0.61
Q2 2019	1	$0.63	$0.63	$0.63
Q3 2019	1	$0.84	$0.84	$0.84
Q4 2019	1	$0.67	$0.67	$0.67

(Data provided by Zacks Investment Research)

Dividend History for BofI Holding (NASDAQ:BOFI)
No dividend announcements for this company have been tracked by MarketBeat.com

Insider Trading and Institutional Ownership History for BofI Holding (NASDAQ:BOFI)

Insider Ownership Percentage: 6.24%
Institutional Ownership Percentage: 88.15%

Institutional Ownership by Quarter for BofI Holding (NASDAQ:BOFI)

Insider Trades by Quarter for BofI Holding (NASDAQ:BOFI)

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction
2/24/2017	Mosich Nick	Director	Sell	3,500	$30.57	$106,995.00
12/13/2016	Mosich Nick	Director	Sell	6,532	$28.48	$186,031.36
11/29/2016	Theodore C Allrich	Director	Sell	10,000	$25.05	$250,500.00
11/22/2016	Theodore C Allrich	Director	Sell	5,000	$24.25	$121,250.00
2/19/2016	James John Court	Director	Buy	2,000	$16.77	$33,540.00
2/11/2016	Andrew J Micheletti	CFO	Buy	1,000	$13.69	$13,690.00
12/9/2015	Gregory Garrabrants	CEO	Buy	1,000	$18.47	$18,470.00
12/8/2015	Gregory Garrabrants	CEO	Buy	2,000	$18.99	$37,980.00
11/4/2015	Gregory Garrabrants	CEO	Buy	1,605	$93.91	$150,725.55
11/3/2015	Gregory Garrabrants	CEO	Buy	6,670	$91.40	$609,638.00
8/25/2015	Edward James Ratinoff	Director	Sell	1,073	$122.25	$131,174.25
8/18/2015	James John Court	Director	Sell	1,282	$131.55	$168,647.10
8/13/2015	Theodore C Allrich	Director	Sell	4,319	$130.59	$564,018.21
12/12/2014	John Gary Burke	Director	Sell	7,100	$77.50	$550,250.00
11/14/2014	John Gary Burke	Director	Sell	3,801	$80.33	$305,334.33
6/11/2014	Edward James Ratinoff	Director	Sell	1,988	$77.36	$153,791.68
9/12/2013	James John Court	Director	Sell	1,569	$63.64	$99,851.16
8/29/2013	John Gary Burke	Director	Sell	20,000	$64.92	$1,298,400.00
8/16/2013	Theodore Allrich	Director	Sell	2,000	$68.01	$136,020.00
8/12/2013	Paul Grinberg	Director	Sell	23,800	$66.55	$1,583,890.00
11/23/2012	Theodore C Allrich	Director	Sell	5,000	$26.90	$134,500.00

(Data available from 1/1/2013 forward)

Headline Trends for BofI Holding (NASDAQ:BOFI) Latest Headlines for BofI Holding (NASDAQ:BOFI)

Source:

Date	Headline
	Implied Volatility Surging for BofI Holding (BOFI) Stock Options finance.yahoo.com - October 17 at 5:30 PM
	Comparing SunTrust Banks (STI) and BofI Holding (BOFI) www.americanbankingnews.com - October 14 at 8:22 PM
	Trust Co Of Toledo Na Buys Exelon Corp, Amgen Inc, Omnicom Group Inc, Sells E.I. ... www.nasdaq.com - October 12 at 5:30 PM
	United Community Financial Corp. (UCFC) vs. BofI Holding (BOFI) Head-To-Head Comparison www.americanbankingnews.com - October 11 at 6:22 PM
	BofI Holding, Inc. breached its 50 day moving average in a Bearish Manner : BOFI-US : October 10, 2017 finance.yahoo.com - October 10 at 5:55 PM
	BofI Holding, Inc. (BOFI) Given "Market Perform" Rating at Keefe, Bruyette & Woods www.americanbankingnews.com - October 10 at 12:38 AM
	ETFs with exposure to BofI Holding, Inc. : October 9, 2017 finance.yahoo.com - October 9 at 5:27 PM
	BofI Holding, Inc. (BOFI) Receives Consensus Recommendation of "Buy" from Analysts www.americanbankingnews.com - October 7 at 9:06 PM
	Craig Hallum Reaffirms "Buy" Rating for BofI Holding, Inc. (BOFI) www.americanbankingnews.com - October 4 at 6:06 PM
	BofI Holding, Inc. to Announce First Quarter 2018 Results on October 25, 2017 - Business Wire (press release) www.businesswire.com - October 2 at 11:50 PM
	BofI Holding, Inc. to Announce First Quarter 2018 Results on October 25, 2017 finance.yahoo.com - October 2 at 6:47 PM
	Analysts Issue Forecasts for BofI Holding, Inc.'s Q1 2019 Earnings (BOFI) www.americanbankingnews.com - October 2 at 10:24 AM
	$93.97 Million in Sales Expected for BofI Holding, Inc. (BOFI) This Quarter www.americanbankingnews.com - October 1 at 9:34 AM
	FBR & Co Reiterates Buy Rating for BofI Holding, Inc. (BOFI) www.americanbankingnews.com - September 29 at 7:14 AM
	3 Stocks for the World of 2030 www.fool.com - September 27 at 5:52 PM
	ETFs with exposure to BofI Holding, Inc. : September 26, 2017 finance.yahoo.com - September 26 at 3:36 PM
	BofI Holding, Inc. Makes Sandler O'Neill Sm-All Stars for Fifth Consecutive Year - Business Wire (press release) www.businesswire.com - September 25 at 8:04 PM
	BofI Holding, Inc. :BOFI-US: Earnings Analysis: Q4, 2017 By the Numbers : September 25, 2017 finance.yahoo.com - September 25 at 8:04 PM
	Here's Why the Best Is Yet to Come for BofI Holding - Motley Fool www.fool.com - September 22 at 10:55 AM
	Better Buy: BofI Holding, Inc. vs. Ally Financial -- The Motley Fool - Motley Fool www.fool.com - September 22 at 10:55 AM
	Better Buy: BofI Holding, Inc. vs. Ally Financial www.fool.com - September 21 at 8:36 AM
	Here's Why the Best Is Yet to Come for BofI Holding finance.yahoo.com - September 20 at 5:26 PM
	BofI Holding, Inc. Makes Fortune Magazine’s 100 Fastest-Growing Companies List finance.yahoo.com - September 20 at 5:26 PM
	Here's Why the Best Is Yet to Come for BofI Holding www.fool.com - September 20 at 8:08 AM
	3 Growth Stocks for Nest-Egg Building -- The Motley Fool - Motley Fool www.fool.com - September 19 at 4:43 PM
	Bullish Two Hundred Day Moving Average Cross - BOFI - Nasdaq.com - Nasdaq www.nasdaq.com - September 14 at 5:21 PM
	BofI Holding, Inc. (BOFI) Given Average Rating of "Buy" by Analysts www.americanbankingnews.com - September 12 at 8:44 PM
	Stock Performance Review on Savings and Loans Industry -- BofI Holding, Brookline Bancorp, Capitol Federal Financial, and Investors Bancorp www.bizjournals.com - September 12 at 5:05 PM
	ETFs with exposure to BofI Holding, Inc. : September 12, 2017 finance.yahoo.com - September 11 at 10:22 PM
	BofI Holding, Inc. breached its 50 day moving average in a Bearish Manner : BOFI-US : September 8, 2017 finance.yahoo.com - September 8 at 5:04 PM
	ETFs with exposure to BofI Holding, Inc. : August 31, 2017 finance.yahoo.com - August 31 at 9:35 PM
	Form 4 BofI Holding, Inc. For: Aug 26 Filed by: Nick Mosich www.streetinsider.com - August 30 at 5:59 PM
	BofI Holding, Inc. (BOFI) Short Interest Update www.americanbankingnews.com - August 27 at 2:22 AM
	Form 4 BofI Holding, Inc. For: Aug 24 Filed by: Micheletti Andrew J www.streetinsider.com - August 25 at 6:21 PM
	BofI Holding, Inc. :BOFI-US: Earnings Analysis: 2017 By the Numbers : August 25, 2017 finance.yahoo.com - August 25 at 6:21 PM
	Form 4 BofI Holding, Inc. For: Aug 24 Filed by: Micheletti Andrew J - StreetInsider.com www.streetinsider.com - August 25 at 4:19 AM
	BofI Holding Inc (BOFI) Files 10-K for the Fiscal Year Ended on June 30, 2017 - Nasdaq www.nasdaq.com - August 25 at 4:19 AM
	Why I Love BofI Holding Inc. -- The Motley Fool - Motley Fool www.fool.com - August 24 at 9:43 PM
	Analysts Expect BofI Holding, Inc. (BOFI) Will Announce Quarterly Sales of $93.97 Million www.americanbankingnews.com - August 24 at 1:44 AM
	Why I Love BofI Holding Inc. finance.yahoo.com - August 23 at 9:54 PM
	BofI Holding, Inc. (BOFI) Given Consensus Recommendation of "Buy" by Analysts www.americanbankingnews.com - August 18 at 8:36 PM
	See what the IHS Markit Score report has to say about BofI Holding Inc. finance.yahoo.com - August 10 at 5:49 PM
	BofI Holding, Inc. Named Top-5 Performing Bank by Bank Director for 3 - Business Wire (press release) www.businesswire.com - August 8 at 4:27 PM
	BofI Holding, Inc. Named Top-5 Performing Bank by Bank Director for 3rd Consecutive Year finance.yahoo.com - August 7 at 5:10 PM
	BofI Holding, Inc. Continues to Bank Big Returns, Investing in Keeping the Growth Going - Motley Fool www.fool.com - August 1 at 5:31 PM
	BofI Holding, Inc. Continues to Bank Big Returns, Investing in Keeping the Growth Going www.fool.com - August 1 at 10:10 AM
	DA Davidson Research Analysts Decrease Earnings Estimates for BofI Holding, Inc. (BOFI) www.americanbankingnews.com - July 31 at 8:47 AM
	This Group Could Be Worth $24 Trillion by 2020 -- Here's How to Invest in Them finance.yahoo.com - July 30 at 4:09 PM
	Noteworthy Friday Option Activity: CACC, ALGN, BOFI - Nasdaq www.nasdaq.com - July 28 at 6:09 PM
	BofI Holding's Growth Story Is Still Alive and Well in 2017 - Motley Fool www.fool.com - July 28 at 6:09 PM