$16.66 0.00 (0%)
2/10/2012 3:59 PM

BofI Holding, Inc. (NASDAQ:BOFI)

CAPS Rating: 3 out of 5

A holding company for Bank of Internet USA that provides consumer banking services, focusing on gathering retail deposits over the Internet and originating and purchasing multifamily, single-family and home equity mortgage loans and vehicle loans.

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Member Avatar suffysdad (76.60) Submitted: 12/23/2011 4:45:06 PM : Outperform Start Price: $16.18 BOFI Score: -3.53

Very solid fundamentals and a strong business model.

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1
Member Avatar jumbo2004 (< 20) Submitted: 8/15/2010 2:20:10 PM : Outperform Start Price: $13.74 BOFI Score: -3.65

P/E of 6. 40% plus growth rate. I think that this stock has tremendous upside potential. Great bank stock pick without the downside of a lot of the bigger banks (this company never made subprime mortgages). Once the rest of wall street discovers this one it has the potential to skyrocket!

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Member Avatar musclemilk13 (98.58) Submitted: 4/13/2010 11:11:56 AM : Outperform Start Price: $15.55 BOFI Score: -5.47

NAV ROE - SCHWAB D - REUTERS BUY

speculating 4/13

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Member Avatar lonewulf47638 (61.96) Submitted: 4/13/2010 8:54:48 AM : Underperform Start Price: $16.41 BOFI Score: +10.80

Rise too step will correct as market turns down.

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Member Avatar stocki711 (99.33) Submitted: 2/18/2010 12:13:54 AM : Outperform Start Price: $12.40 BOFI Score: +12.30

This is one of my top 5 favorite stocks (no particular ranking at the moment).

Bofi's most recent quarter had an eps of $0.61! This gives a p/e of 5.3 which is outstanding for a growing company. But they had a sale of $6M and an impairment of $4M (both one-time charges).Subtracting $2M net gain gives a still impressive eps of $0.37 for another all time record for quarterly earnings. This gives BOFI a FY earnings of $1.44 with an 11x for a conservative fair value of $15.84.

Currently BOFI has a p/b of 0.965. With an appreciation of 27.74% to $15.84 the p/b would be 1.223. They have a ratio of non-accuring loans (30 days delinquent or later) of 0.94. This ratio has been consistently below 1 throughout the crisis. They have tier 1 capital ratios greater than the "adequately capitalized" rate of 6%. Their deposit growth rate is increasing substantially at a rate of 12%

I would put my price target at $19 which is a 50% appreciation with growth still reasonably priced.

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