36.75
Revenue$M
23.28
24.38
25.05
25.41
26.99
27.91
28.32
29.76
30.96
32.25
38.18
3.62%
3.49%
27
9.88
Revenue growth%
11.93
13.91
11.62
11.76
9.04
6.04
3.70
2.38
3.86
4.10
8.04
3.86
7.54
24
29.54
NIM%
22.87
20.08
19.78
20.20
21.82
20.49
18.97
19.20
19.21
20.07
3.15
19.21
20.08
70
23.63
Effic. R.%
15.92
13.76
11.60
13.50
10.78
8.05
10.52
13.20
11.38
9.54
8.45
10.52
11.49
65
13.40
Net margin%
16.91
16.41
14.61
11.74
11.89
11.52
12.93
15.43
18.40
18.64
7.52
15.43
15.02
11
25.82
P/E ratio (avg)x
33.29
33.07
33.20
35.49
34.34
34.99
36.38
42.10
46.41
44.84
17.52
42.10
35.24
42
8.034
P/TBVx
36.67
38.46
38.67
43.14
48.77
53.39
51.02
48.10
51.41
49.98
6.682
51.02
48.44
83
17.25
P/Bx
19.79
21.36
20.91
22.79
24.55
23.82
23.36
23.60
22.40
24.90
7.702
23.60
23.07
24
10.86
NII$M
17.80
18.64
18.89
19.08
20.35
20.97
21.66
22.30
23.41
24.67
27.71
3.93%
3.61%
—
3.97
NII grth%
28.48
26.65
24.39
23.77
22.32
25.23
22.89
24.25
27.20
24.38
3.35
24.38
24.38
74
20.61
ROTE%
20.56
22.53
25.31
25.68
25.85
24.82
23.91
22.80
22.76
22.98
19.91
22.98
23.44
91
14.01
Return on equity%
21.69
19.25
20.60
19.85
18.16
18.96
17.43
15.46
15.18
16.17
10.27
16.17
18.56
29
15.75
Return on assets%
16.87
19.68
18.39
20.08
18.12
19.65
18.85
17.18
16.17
13.22
18.78
17.18
18.26
24
0.17
EPS$
0.10
0.10
0.11
0.12
0.11
0.11
0.12
0.12
0.13
0.14
0.18
4.97%
4.11%
—
23.06
EPS growth%
11.26
11.93
10.87
13.26
16.26
13.96
13.84
11.85
10.43
12.57
3.57
12.57
12.25
19
0.30
Bookvalue per sh$
0.43
0.51
0.55
0.63
0.72
0.78
0.88
0.84
0.78
0.89
0.09
4.25%
8.31%
—
0.10
TBV/sh$
0.26
0.29
0.30
0.29
0.32
0.31
0.32
0.35
0.37
0.42
0.20
5.70%
4.89%
—
0.12
Dividend per sh$
0.18
0.20
0.23
0.25
0.27
0.26
0.27
0.29
0.29
0.29
0.30
1.65%
6.75%
—
25.92
Div yield (avg)%
14.02
13.35
11.41
13.89
15.88
14.21
12.87
13.61
16.48
16.61
5.86
14.21
13.95
15
9.40
Payout ratio%
5.56
5.48
4.08
1.90
1.78
0.40
2.10
1.42
4.08
5.55
29.13
2.10
3.09
84
26.64
Shares (diluted)M
41.91
44.18
44.40
49.15
55.95
66.17
69.45
68.59
73.86
71.73
26.88
5.10%
5.20%
72
18.15
Buyback yield%
1.37
4.17
1.23
0.40
0.40
0.40
0.40
0.40
0.40
0.40
9.54
0.40
0.40
9
162.14
Eq/Assets%
197.86
215.38
253.36
259.42
286.96
305.95
358.80
395.39
422.80
413.74
95.47
395.39
296.46
28
31.13
Assets$M
82.34
93.46
103.8
114.2
121.7
131.6
139.3
147.3
156.8
176.6
2.254
7.73%
8.65%
43
1.844
LT debt$M
63.53
63.78
73.10
75.48
87.56
93.93
104.3
105.8
103.3
109.4
24.32
4.56%
7.17%
31
Total assets
$176.6M
8.65%
1.63×
Revenue
$32.25M
3.49%
1.00×
Non-interest expense
$19.35M
3.62%
1.01×
Net interest income
76.50%
Non-interest income
23.50%