Bofi Hldg Inc (NASDAQ:BOFI)

CAPS Rating: 4 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.

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Member Avatar buynholdisdead (< 20) Submitted: 2/2/2016 8:20:54 PM : Outperform Start Price: $17.12 BOFI Score: -11.74

They are being hammered by a short attack but keep outperforming. In 5 years the shorts will have been forgotten.

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Member Avatar john603 (53.84) Submitted: 1/26/2016 3:27:58 PM : Outperform Start Price: $17.97 BOFI Score: -16.79

bank of internet. saves on no branches.

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Member Avatar AnsgarJohn (96.81) Submitted: 1/26/2016 4:13:16 AM : Outperform Start Price: $17.70 BOFI Score: -16.13

Bank of Internet , growing. Shorted because of Board of Directors mismanagement? Not much homework done. Growth at a reasonable price: Peter Lynch chart bottom left: http://www.gurufocus.com/stock/BOFI

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Member Avatar afaithfulsteward (28.39) Submitted: 1/5/2016 7:04:42 PM : Outperform Start Price: $20.04 BOFI Score: -20.91

Public comments indicate the investigations have been closed for >2 mths. The dust appears to be settling and leaving behind a company growing top and bottom lines >20%.
This is a disruptive innovator set to steal the low margin businesses the banks with different cost structures don't want that will eventually be able to move up market all at the diminutive market cap of 1.3B.
As long as they are completely absolved of any wrongdoing this looks like case of a market opportunity that dwarfs the current company size leaving a runway long enough I can't see the end of it

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Member Avatar halley12 (58.91) Submitted: 12/11/2015 12:23:50 AM : Underperform Start Price: $19.98 BOFI Score: +18.35

They are growing at a high rate for several years. I know they are an internet bank, however, I see risk in that. How do they truly know their customers. I think we may see some truth in the lawsuit brought by the former employee. If so it could kill the trust for them.

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Member Avatar stu2fly (29.88) Submitted: 11/12/2015 10:13:48 PM : Outperform Start Price: $22.53 BOFI Score: -26.29

Short term volatile but still great growth story. Stock split and insider buys help boost confidence

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Member Avatar jbonds (73.68) Submitted: 11/3/2015 1:04:40 PM : Outperform Start Price: $19.60 BOFI Score: -14.48

BOFI has now answered all questions satisfactorily with regard to the allegations by disgruntled employee Erhart, in their latest Court filing; see: http://seekingalpha.com/article/3634516-bofi-court-filing-confirms-there-are-no-ongoing-whistleblower-related-investigations?page=2

It is now time to go back to their latest earnings report and it is stellar:

Net Income
$1.60 EPS (FY 2016.Q1 actual)
$1.50 EPS (FY 2016.Q1 estimate)
$1.20 EPS (FY 2015.Q1 actual)
+33.3% YoY

Net Revenue (Net Interest Income)
$59.128 M (FY 2016.Q1 actual)
$57.06 M (FY 2016.Q1 estimate)
$44.875 M (FY 2015.Q1 actual)
+31.8% YoYellar.

They have beaten expectations on both top and bottom lines. Deposits and loan portfolios are also growing. This earnings report was largely ignored by the market because of the Lawsuit distraction.
This stock was up over $140 before the lawsuit and it will return there, if BOFI keeps reporting quarter numbers like these. Short term this stock should get over $100 again.

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Member Avatar ContraryDude (34.02) Submitted: 10/29/2015 12:16:11 PM : Outperform Start Price: $23.64 BOFI Score: -27.42

Reports Q3 (Sep) earnings of $1.60 per share, $0.09 better than the Capital IQ Consensus of $1.51; revenues rose 37.5% year/year to $68.9 mln vs the $65.34 mln Capital IQ Consensus.
Total assets reached $6,259.6 mln, up $1,434.8 mln or 29.7% compared to September 30, 2014
Loan portfolio grew by $1,266.2 mln or 32.0% compared to September 30, 2014
Loan originations for the three months ended September 30, 2015 were $1,097.4 mln, up 9.2% compared to the quarter ended September 30, 2014
Deposits grew by $1,493.6 mln, or 45.8% compared to September 30, 2014

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Member Avatar dcgatlanta (36.00) Submitted: 10/20/2015 4:28:41 PM : Underperform Start Price: $23.75 BOFI Score: +29.99

Allegations of fraud seem credible. If a financial institution is not trusted, its' customers will flee and the business will shrink considerably.

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Member Avatar timbo50s (< 20) Submitted: 10/19/2015 9:55:33 AM : Outperform Start Price: $24.47 BOFI Score: -32.17

Low brick and mortar asset model is a winner. Branch offices add negligible value to e-commerce

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Member Avatar SmartAce (99.89) Submitted: 10/14/2015 2:08:26 PM : Outperform Start Price: $27.96 BOFI Score: -41.22

Believe the case has no merit and I am adding here.

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Member Avatar WiseChoice4u2 (< 20) Submitted: 9/30/2015 11:15:01 PM : Outperform Start Price: $32.44 BOFI Score: -45.40

The way of the future in banking.

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Member Avatar Chopperlicious (22.48) Submitted: 8/28/2015 10:03:06 PM : Outperform Start Price: $29.16 BOFI Score: -44.11

It's the future of banking.

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Member Avatar chas7488r (< 20) Submitted: 8/23/2015 9:46:16 PM : Outperform Start Price: $29.00 BOFI Score: -49.21

Bank of Internet has superior growth rates in revenues and profits. If the price keeps up with the growth rates, this stock will be a long-term winner.

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Member Avatar iksnamyzs (63.90) Submitted: 8/23/2015 7:30:56 AM : Outperform Start Price: $29.00 BOFI Score: -49.21

buy on dip

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Member Avatar trikeedick (< 20) Submitted: 7/23/2015 11:08:16 PM : Outperform Start Price: $29.30 BOFI Score: -38.86

I think it is a refreshing way to bank,I say this because of the many problems I have had with banks in my 78 yrs.

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Member Avatar TurbulentTime (< 20) Submitted: 6/22/2015 11:51:36 AM : Outperform Start Price: $25.75 BOFI Score: -31.06

Will be $300, $400, $500 a share before you know it. Lending Club and Bank of Internet, OnDeck will all be disrupting the traditional banking industry. I started to own its shares since it was $85 per share.

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Member Avatar gkumar5 (< 20) Submitted: 4/18/2015 3:18:26 PM : Outperform Start Price: $21.97 BOFI Score: -22.69

Focus on efficiency, low-cost deposits.

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Member Avatar seektheguru (54.87) Submitted: 3/5/2015 10:28:40 PM : Outperform Start Price: $22.47 BOFI Score: -23.87

Great model.

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Member Avatar SGMpga (< 20) Submitted: 2/9/2015 11:30:26 AM : Outperform Start Price: $22.25 BOFI Score: -25.05

The growth is phenomenal for a bank and is priced low for the amount of growth. It is priced higher than a typical bank but I feel the growth should command a higher price.

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