14.39
Revenue$M
58.00
60.52
63.01
65.61
65.88
67.02
67.54
70.06
70.49
71.91
15.13
1.77%
2.51%
16
12.57
Revenue growth%
11.19
11.70
11.26
11.82
11.12
8.18
7.09
7.30
9.48
8.93
13.92
8.18
10.30
13
14.01
NIM%
1.04
2.46
3.68
6.58
4.99
4.41
2.66
5.19
3.28
5.49
21.86
4.41
4.04
61
13.31
Effic. R.%
11.50
9.91
11.63
12.17
11.91
9.44
7.49
6.68
4.40
6.18
17.13
6.68
9.67
67
21.64
Net margin%
8.02
9.43
10.38
8.33
8.57
6.17
5.72
7.17
8.77
10.53
6.02
7.17
8.45
80
7.368
P/E ratio (avg)x
57.53
67.47
68.24
67.54
68.21
77.21
92.63
93.30
107.7
108.9
36.11
93.30
72.73
28
23.54
P/TBVx
11.91
10.98
10.60
9.830
9.001
10.24
9.693
9.965
10.53
11.11
6.056
10.24
10.39
21
33.41
P/Bx
8.349
7.849
7.577
7.956
6.908
7.070
6.781
6.371
6.595
7.244
34.40
6.781
7.157
51
31.41
NII$M
42.45
44.98
45.83
48.31
47.88
49.15
49.83
52.06
51.94
53.53
62.71
2.26%
2.65%
—
25.17
NII grth%
16.49
17.36
14.96
15.09
14.41
16.52
15.96
14.89
15.31
17.51
17.53
15.96
15.64
79
5.86
ROTE%
25.35
23.15
24.49
22.12
24.98
22.00
19.37
19.67
19.48
18.77
11.25
19.48
22.06
35
4.73
Return on equity%
10.02
11.44
9.21
10.28
7.80
9.65
8.19
10.00
8.45
5.77
28.32
8.45
9.43
77
20.48
Return on assets%
28.75
29.18
31.71
33.14
34.28
33.53
34.28
31.68
33.40
34.46
29.08
33.53
33.27
62
0.17
EPS$
0.17
0.17
0.20
0.23
0.25
0.28
0.32
0.35
0.39
0.43
0.19
11.41%
10.36%
—
25.88
EPS growth%
9.43
9.51
8.85
9.73
10.88
13.52
15.36
18.14
15.68
17.96
29.43
15.68
12.20
92
0.11
Bookvalue per sh$
0.11
0.11
0.12
0.13
0.15
0.15
0.16
0.19
0.19
0.18
0.16
4.68%
6.70%
—
0.07
TBV/sh$
0.16
0.16
0.17
0.19
0.20
0.20
0.23
0.27
0.30
0.34
0.06
11.72%
9.38%
—
0.16
Dividend per sh$
0.16
0.15
0.16
0.18
0.18
0.20
0.19
0.21
0.21
0.24
0.10
5.64%
3.70%
—
20.29
Div yield (avg)%
27.18
29.00
29.77
28.51
26.40
25.41
22.65
22.75
24.56
25.26
4.83
24.56
25.91
84
17.16
Payout ratio%
17.66
16.16
15.65
18.55
20.62
21.51
18.76
20.69
18.66
20.15
10.50
20.15
18.71
83
396.5
Shares (diluted)M
513.7
531.4
540.4
579.8
620.9
592.6
571.1
557.9
558.5
559.2
401.0
(2.07%)
1.84%
17
13.17
Buyback yield%
15.87
15.00
15.66
17.91
15.83
17.35
19.00
21.22
19.39
20.22
27.61
19.39
17.63
79
123.31
Eq/Assets%
11.59
12.32
13.67
14.11
15.82
14.44
15.53
14.88
15.07
17.12
104.23
15.07
14.66
44
22.64
Assets$M
160.0
177.8
188.6
205.5
225.1
243.7
254.1
277.7
305.3
322.0
25.97
7.42%
8.02%
91
11.17
LT debt$M
67.27
62.96
59.44
57.50
64.19
72.24
73.71
80.83
80.79
86.28
3.189
6.09%
3.68%
34
Total assets
$322.0M
8.02%
1.69×
Revenue
$71.91M
2.51%
1.00×
Non-interest expense
$41.95M
2.29%
0.98×
Net interest income
74.44%
Non-interest income
25.56%
Spread over hurdle
12.50%