5.563
Revenue$M
12.81
13.36
13.60
14.11
15.05
15.62
16.38
17.38
17.83
18.92
6.180
4.69%
4.58%
45
14.83
Revenue growth%
14.99
14.55
13.58
10.87
9.87
10.30
8.19
9.92
8.63
8.19
24.36
8.63
10.11
77
24.67
NIM%
19.11
18.21
19.99
18.75
19.18
21.18
21.56
21.76
21.44
19.70
24.49
21.44
19.85
85
16.94
Effic. R.%
28.74
29.52
30.15
27.69
29.21
26.33
26.06
23.39
21.44
20.82
21.25
23.39
27.01
53
5.26
Net margin%
13.41
12.84
10.16
8.47
5.63
6.80
9.53
6.75
4.70
3.54
21.90
6.75
7.63
40
22.57
P/E ratio (avg)x
21.92
24.59
25.22
24.12
26.56
25.30
26.97
30.39
34.59
35.31
21.36
30.39
25.93
21
13.77
P/TBVx
47.31
51.06
49.49
51.30
57.62
66.73
70.72
71.93
80.06
87.80
8.749
71.93
62.17
93
9.221
P/Bx
11.90
12.35
14.14
14.02
15.51
15.40
15.91
15.19
16.20
18.78
29.64
15.91
15.30
24
14.12
NII$M
9.819
10.37
10.48
11.02
11.67
12.06
12.65
13.30
13.64
14.75
10.35
4.78%
4.78%
—
27.64
NII grth%
28.43
26.06
23.36
24.82
23.08
20.74
23.38
25.28
26.54
24.47
2.30
24.47
24.65
8
19.36
ROTE%
11.76
14.71
14.90
17.31
14.55
15.84
17.02
15.20
16.58
17.14
23.69
16.58
15.52
94
25.00
Return on equity%
14.01
11.21
13.00
12.86
11.67
10.07
8.46
5.97
3.15
5.46
19.87
5.97
10.64
44
24.08
Return on assets%
21.01
19.83
20.37
19.78
20.94
21.78
24.39
25.22
25.58
27.79
6.69
25.22
21.40
34
0.90
EPS$
3.17
3.50
3.81
4.52
5.15
5.87
6.21
7.13
7.58
8.27
0.97
9.93%
12.22%
—
11.28
EPS growth%
12.42
9.64
6.79
6.95
4.03
2.16
1.76
4.38
4.30
4.67
4.83
4.30
4.53
63
0.82
Bookvalue per sh$
2.10
2.23
2.51
2.76
2.96
2.85
2.81
2.82
2.90
2.71
2.86
(1.74%)
3.44%
—
1.49
TBV/sh$
2.00
1.71
1.52
1.35
1.19
1.09
0.95
0.98
0.91
0.82
1.20
(7.13%)
(9.25%)
—
0.58
Dividend per sh$
0.94
0.97
1.06
1.03
1.11
1.20
1.23
1.21
1.08
1.14
2.10
0.41%
1.82%
—
24.92
Div yield (avg)%
30.06
30.43
30.33
31.26
31.69
32.26
33.36
35.90
35.16
36.58
23.78
35.16
31.98
23
29.62
Payout ratio%
3.06
1.89
2.32
3.69
4.12
3.44
1.86
2.69
1.74
0.40
14.57
1.86
2.51
77
4.087
Shares (diluted)M
3.829
3.960
4.135
4.803
4.951
4.913
4.801
4.986
5.805
6.719
4.025
6.29%
6.10%
56
21.49
Buyback yield%
3.52
3.84
1.39
3.53
3.20
3.47
2.64
4.75
2.90
5.58
2.51
3.47
3.50
40
24.59
Eq/Assets%
230.09
243.13
281.68
323.33
318.20
308.89
356.94
371.39
377.92
406.19
106.83
371.39
320.76
83
0.905
Assets$M
22.24
23.83
25.66
28.02
30.13
33.55
36.36
39.53
41.98
45.85
5.710
8.75%
8.42%
41
0.743
LT debt$M
2.661
2.814
3.049
2.780
2.794
2.752
2.908
3.243
3.245
3.161
4.184
2.50%
0.60%
49
Total assets
$45.85M
8.42%
1.43×
Revenue
$18.92M
4.58%
1.00×
Non-interest expense
$10.25M
4.46%
0.99×
Net interest income
77.94%
Non-interest income
22.06%