Peer Analysis

Performance Ratios (%) BOFI Peer Median Peer Average
ROAA 1.68 0.56 0.64
ROAE 17.09 4.84 5.47
Net Interest Margin 4.14 3.13 3.50
Efficiency Ratio 37.55 75.55 75.14
Loans / Deposits 102.05 97.47 93.88
Asset Quality Ratios (%)
NPAs / Assets 0.39 0.83 1.06
NCOs / Avg Loans 0.06 (0.03) (0.09)
Reserves / Loans 0.76 1.18 1.05
Reserves / NPAs 160.27 77.45 88.92
Capital Ratios (%)
Tier 1 Capital 14.91 17.16 20.42
Tangible Equity / Tangible Assets 9.23 11.30 11.87
Total Equity / Total Assets 9.23 11.77 12.29
Market Ratios
Price / Earnings (x) 17.89 19.40 36.43
Price / Book (%) 279.53 127.05 142.48
Dividend Yield (%) 0.00 1.84 1.88
Data for trailing four quarters

BofI Holding, Inc.'s peer group consists of the following: Banc of California, Inc. (BANC), Broadway Financial Corporation (BYFC), First Financial Northwest, Inc. (FFNW), Home Federal Bancorp, Inc. (HOME), Provident Financial Holdings, Inc. (PROV), Riverview Bancorp, Inc. (RVSB), Simplicity Bancorp, Inc. (SMPL), Territorial Bancorp Inc. (TBNK), Timberland Bancorp, Inc. (TSBK)

BofI Holding, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

Simplicity Bancorp, Inc.'s financial data is as of 12/31/2014.
Home Federal Bancorp, Inc.'s financial data is as of 3/31/2014.