BOFI

BofI Holding, Inc. (BofI), incorporated on July 6, 1999, 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. The Bank distributes its loan products through its retail, correspondent and wholesale channels, and the loans the Bank retains are primarily first mortgages secured by single family real property and by multifamily real property. 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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Here we provide our AYA proprietary alpha stock signals for all premium members on our AYA fintech network platform. Specifically, a high Fama-French multi-factor dynamic conditional alpha suggests that the stock is likely to consistently outperform the broader stock market benchmarks such as S&P 500, Dow Jones, Nasdaq, Russell 3000, MSCI USA, and MSCI World etc. Since March 2023, our proprietary alpha stock signals retain U.S. Patent and Trademark Office (USPTO) fintech patent protection, approval, and accreditation for 20 years. Our homepage and blog articles provide more details on this proprietary alpha stock market investment model with robust long-term historical backtest evidence.

Sharpe-Lintner-Black CAPM alpha (Premium Members Only) Fama-French (1993) 3-factor alpha (Premium Members Only) Fama-French-Carhart 4-factor alpha (Premium Members Only) Fama-French (2015) 5-factor alpha (Premium Members Only) Fama-French-Carhart 6-factor alpha (Premium Members Only) Dynamic conditional 6-factor alpha (Premium Members Only) Last update: Saturday 24 January 2026