Based on the aggregated intelligence of 180,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, consumer banking services specialist BofI Holding (NASDAQ: BOFI) has earned a coveted five-star ranking.

With that in mind, let's take a closer look at BofI and see what CAPS investors are saying about the stock right now.

BofI facts

Headquarters (founded)

San Diego, Calif. (1999)

Market Cap

$497.1 million

Industry

Savings and loans

Trailing-12-Month Revenue

$102.6 million

Management

CEO Gregory Garrabrants (since 2010)
CFO Andrew Micheletti (since 2001)

Return on Equity (average, past 3 years)

16.2%

Cash / Debt

$97.9 million / $647.2 million

Competitors

Bank of America 
E*TRADE Bank
ING Bank

Sources: S&P Capital IQ and Motley Fool CAPS.

On CAPS, 99% of the 222 members who have rated BofI believe the stock will outperform the S&P 500 going forward.

Just yesterday, one of those Fools, TMFTheRealDeal, succinctly summed up the BofI bull case for our community:

Just as Amazon (NASDAQ: AMZN) dominated retail by disrupting brick-and-mortar retail stores, BOFI is in the same position when it comes to banks. A structural cost advantage and trends pointing toward increased utilization of Internet-based solutions bode well for BOFI. And as it expands, margins should improve due to scalability of the business. Excellent long-term potential here.

If you want market-thumping returns, you need to put together the best portfolio you can. Of course, despite a strong five-star rating, BofI may not be your top choice.

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Fool contributor Brian Pacampara owns shares of Bank of America. The Motley Fool recommends Amazon.com and BofI Holding. The Motley Fool owns shares of Amazon.com, Bank of America, and BofI Holding. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.