9.437
Revenue$M
10.21
10.86
11.96
13.18
14.45
15.61
17.14
18.86
20.53
21.82
9.753
8.59%
8.76%
31
13.64
Revenue growth%
14.70
14.01
14.79
17.52
16.16
13.60
14.87
15.87
18.22
19.03
16.47
15.87
15.37
41
12.88
NIM%
25.78
24.29
26.21
23.96
25.92
28.83
29.12
27.30
24.77
22.84
23.16
27.30
25.85
60
2.58
Effic. R.%
2.55
2.95
0.40
0.62
0.91
0.40
0.40
0.40
0.40
1.26
24.52
0.40
0.51
94
8.95
Net margin%
8.63
9.69
8.50
11.27
12.85
10.25
11.48
13.18
15.59
18.26
16.30
13.18
11.38
70
28.93
P/E ratio (avg)x
40.52
43.65
41.70
40.92
47.92
45.42
46.50
50.64
58.67
62.37
36.28
50.64
45.96
6
12.14
P/TBVx
43.37
44.26
41.18
45.28
40.94
39.25
38.00
39.63
45.24
50.34
6.477
39.63
42.28
91
22.96
P/Bx
16.95
16.31
18.09
17.45
17.32
16.95
18.48
18.02
17.02
18.24
30.75
18.02
17.38
53
15.29
NII$M
5.993
6.345
7.006
7.588
8.230
9.101
9.871
10.88
11.66
12.48
14.41
8.68%
8.65%
—
16.37
NII grth%
9.98
7.72
6.37
5.05
4.23
3.13
0.68
3.00
2.15
3.78
22.12
3.00
4.01
70
29.88
ROTE%
22.90
21.72
19.87
20.07
22.42
22.68
23.69
25.53
25.58
28.57
20.60
25.53
22.79
63
29.45
Return on equity%
13.82
12.50
10.42
13.35
13.27
15.43
15.88
16.53
17.01
16.08
25.32
16.08
14.62
34
12.75
Return on assets%
17.53
18.40
16.46
15.55
13.63
11.50
12.83
14.92
15.27
17.77
18.87
14.92
15.41
75
2.67
EPS$
1.28
1.47
1.49
1.70
1.75
1.84
2.18
2.26
2.23
2.43
2.98
6.79%
6.81%
—
18.14
EPS growth%
0.40
0.40
1.61
3.13
4.83
2.64
1.14
0.40
2.21
0.72
23.76
1.14
1.37
89
1.16
Bookvalue per sh$
3.55
3.73
4.07
4.44
4.24
4.56
4.42
5.01
5.63
6.29
1.82
8.24%
7.12%
—
0.89
TBV/sh$
1.47
1.49
1.42
1.44
1.50
1.64
1.60
1.54
1.38
1.30
2.27
(2.73%)
(2.30%)
—
2.58
Dividend per sh$
2.37
2.27
2.21
2.17
2.01
2.20
2.28
2.47
2.81
2.90
1.24
7.65%
3.12%
—
28.90
Div yield (avg)%
16.88
14.69
14.21
14.87
14.26
15.83
16.53
18.99
21.60
19.57
18.21
18.99
16.18
21
5.50
Payout ratio%
14.97
16.75
15.98
14.31
12.42
12.24
10.88
13.02
10.05
11.39
29.46
11.39
12.72
41
4.453
Shares (diluted)M
5.197
5.371
5.061
4.869
5.010
5.123
4.473
4.257
4.495
4.612
4.474
(1.64%)
(0.95%)
19
24.20
Buyback yield%
9.34
9.18
10.85
10.08
12.44
10.87
11.10
10.06
9.05
6.80
13.99
10.06
10.07
6
36.96
Eq/Assets%
71.29
61.19
53.71
56.90
51.83
53.97
54.23
50.88
48.80
46.18
52.32
50.88
53.84
10
5.442
Assets$M
38.11
41.77
44.95
48.90
53.94
60.04
64.73
71.84
78.28
84.89
8.921
9.49%
8.79%
39
3.024
LT debt$M
5.700
5.285
5.292
5.239
4.852
4.846
5.095
5.335
4.574
4.193
10.87
(2.88%)
(4.39%)
6
Total assets
$84.89M
8.79%
1.00×
Revenue
$21.82M
8.76%
1.00×
Non-interest expense
$12.16M
8.87%
1.01×
Net interest income
57.18%
Non-interest income
42.82%