Shareholders of BofI Holding and Universal Insurance Holdings have had a great 2013, but it may be time to return those shares for something better. In this special holiday edition of The Motley Fool's everything-financials show, Where the Money Is, banking analysts David Hanson and Matt Koppenheffer tell viewers why they think these companies are performing well but may not be the best investments going forward.

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David Hanson has no position in any stocks mentioned. Matt Koppenheffer has no position in any stocks mentioned. The Motley Fool recommends BofI Holding. The Motley Fool owns shares of 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.