BofI (BOFI) & Its Competitors Head to Head Comparison

BofI (NASDAQ: BOFI) is one of 313 public companies in the “Banks” industry, but how does it compare to its competitors? We will compare BofI to similar businesses based on the strength of its valuation, risk, analyst recommendations, dividends, profitability, earnings and institutional ownership.

Analyst Recommendations

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BofI 0 1 3 0 2.75
BofI Competitors 2244 8673 8714 354 2.36

BofI presently has a consensus price target of $34.50, indicating a potential upside of 15.54%. As a group, “Banks” companies have a potential downside of 7.90%. Given BofI’s stronger consensus rating and higher probable upside, research analysts clearly believe BofI is more favorable than its competitors.

Valuation and Earnings

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

Gross Revenue Net Income Price/Earnings Ratio
BofI $455.42 million $134.74 million 14.29
BofI Competitors $5.50 billion $827.87 million 394.35

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.

Insider and Institutional Ownership

84.4% of BofI shares are owned by institutional investors. Comparatively, 52.1% 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 large money managers, endowments and hedge funds believe a company is poised for long-term growth.

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 18.59% 8.30% 0.93%

Risk and Volatility

BofI has a beta of 0.39, suggesting that its stock price is 61% less volatile than the S&P 500. Comparatively, BofI’s competitors have a beta of 0.78, suggesting that their average stock price is 22% less volatile than the S&P 500.

Summary

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

About 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.

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