Edward Ratinoff - Axos Financial Independent Director

AX Stock  USD 65.83  0.08  0.12%   

Director

Mr. Edward James Ratinoff is an Independent Director of BofI Holding, Inc., since April 2010 . He serves as Chairman of the Credit Committee of the Board of Directors of the Bank and as a member of the Nominating Committee of the Board of Directors of the Company. Mr. Ratinoff brings to the Board extensive experience in the real estate investment and real estate development industries. Mr. Ratinoff served as Managing Director and Head of Acquisitions for Phoenix Realty Group, an institutional real estate investment firm focused on opportunistic multifamily investments. Mr. Ratinoff oversaw the investment program for two fund vehicles totaling approximately 400 million in equity, directed acquisition teams in Los Angeles and New York, and was a member of the firms investment committee. Prior to joining Phoenix Realty Group, Mr. Ratinoff held the position of Managing Director and west coast head for the J.E. Robert Companies. In this role, Mr. Ratinoff was responsible for all equity and debt transactions throughout the western US for the real estate investment funds sponsored by the firm and was a member of the investment committees for both JER Partners and JER Investors Trust. Mr. Ratinoff was also responsible for directing JERs multifamily investment strategy in the US, acquiring 2, 300 apartment units in Seattle, Atlanta and Detroit. During his tenure, Mr. Ratinoff led the acquisition of approximately 1.0 billion in assets representing multiple real estate sectors and geographies. Prior to joining JER, Mr. Ratinoff served as Principal with Fowler Flanagan Partners, where he either led or participated in the acquisition, financing and renovation of approximately 3, 000 apartment units in California, Seattle, Arizona, Texas and Missouri since 2010.
Age 55
Tenure 15 years
Professional MarksMBA
Address 9205 West Russell Road, Las Vegas, NV, United States, 89148
Phone858 649 2218
Webhttps://investors.axosfinancial.com/corporate-prof
Ratinoff received a Bachelor of Arts degree in Architecture and City Planning from the University of California, Berkeley, and an MBA from the J.L. Kellogg Graduate School of Management at Northwestern University.

Axos Financial Management Efficiency

The company has Return on Asset (ROA) of 0.0191 % which means that for every $100 of assets, it generated a profit of $0.0191. This is way below average. Likewise, it shows a return on total equity (ROE) of 0.1881 %, which means that it produced $0.1881 on every 100 dollars invested by current stockholders. Axos Financial's management efficiency ratios could be used to measure how well Axos Financial manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to rise to 0.02 in 2025. Return On Capital Employed is likely to rise to 0.04 in 2025. At this time, Axos Financial's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to rise to about 24.4 B in 2025, whereas Other Assets are likely to drop slightly above 173.3 M in 2025.
Axos Financial reports 415.68 M of total liabilities with total debt to equity ratio (D/E) of 0.16, which may suggest the company is not taking enough advantage from financial leverage. Axos Financial has a current ratio of 2.9, indicating that it is in good position to pay out its debt commitments in time. Note however, debt could still be an excellent tool for Axos to invest in growth at high rates of return.

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Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada. Axos Financial operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 1335 people. Axos Financial (AX) is traded on New York Stock Exchange in USA. It is located in 9205 West Russell Road, Las Vegas, NV, United States, 89148 and employs 1,781 people. Axos Financial is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Axos Financial Leadership Team

Elected by the shareholders, the Axos Financial's board of directors comprises two types of representatives: Axos Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Axos. The board's role is to monitor Axos Financial's management team and ensure that shareholders' interests are well served. Axos Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Axos Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
John Tolla, Executive Vice President Chief Governance, Risk and Compliance Officer
JD CFA, CEO President
Gregory Garrabrants, President, Chief Executive Officer, Director
Nicholas Mosich, Independent Vice Chairman of the Board
Paul Grinberg, Independent Chairman of the Board
James Argalas, Independent Director
Edward Ratinoff, Independent Director
Brian Swanson, Executive Vice President Chief Lending Officer of the Bank
Raymond Matsumoto, Executive Vice President, Chief Operating Officer
Candace Thiele, Executive Officer
Uzair Dada, Independent Director
Tamara Bohlig, Independent Director
Andrew CPA, Executive Finance
David Park, Executive Vice President - Commercial Banking and Treasury Management
Jeff Sime, President and Chief Operating Officer of Axos Clearing, LLC
Mary Ciafardini, Executive Vice President Human Resources
Thomas Constantine, Executive Vice President Chief Credit Officer of the Bank
Derrick Walsh, Chief Financial Officer, Executive Vice President, Chief Accounting Officer
James Black, Independent Director
Johnny CFA, Senior Relations
Jan Durrans, Executive Vice President Chief of Staff and Chief Performance Officer
Craig Cross, Chief Lending
Derrick CPA, Executive CFO
Stefani Carter, Independent Director
Eshel JD, Executive Officer
Ann Gill, Senior Officer
James Court, Independent Director
Andrew Micheletti, Chief Financial Officer, Executive Vice President
Eshel BarAdon, Executive Vice President Specialty Finance and Chief Legal Officer

Axos Stock Performance Indicators

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