Contrasting BofI (BOFI) & Its Rivals

BofI (NASDAQ: BOFI) is one of 307 public companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare BofI to related companies based on the strength of its dividends, valuation, analyst recommendations, earnings, institutional ownership, risk and profitability.

Profitability

This table compares BofI and its peers’ 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% 8.26% 0.92%

Analyst Recommendations

This is a summary of current recommendations for BofI and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BofI 0 1 3 0 2.75
BofI Competitors 2429 8822 8723 370 2.35

BofI currently has a consensus price target of $34.50, indicating a potential upside of 7.28%. As a group, “Banks” companies have a potential upside of 0.06%. Given BofI’s stronger consensus rating and higher probable upside, equities research analysts plainly believe BofI is more favorable than its peers.

Valuation & Earnings

This table compares BofI and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
BofI $455.42 million $134.74 million 15.39
BofI Competitors $5.61 billion $833.70 million 381.32

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

Insider and Institutional Ownership

84.5% of BofI shares are owned by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are owned by institutional investors. 6.2% of BofI shares are owned by company insiders. Comparatively, 10.4% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Volatility and Risk

BofI has a beta of 0.39, suggesting that its share price is 61% less volatile than the S&P 500. Comparatively, BofI’s peers have a beta of 0.80, suggesting that their average share price is 20% less volatile than the S&P 500.

Summary

BofI beats its peers 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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