3.774
Revenue$M
20.56
21.73
22.73
24.10
26.04
27.16
28.92
30.07
32.69
35.37
4.174
6.31%
6.39%
34
19.80
Revenue growth%
15.78
16.00
15.49
17.57
19.15
18.01
15.31
15.04
13.11
12.31
9.73
15.04
15.64
32
21.22
NIM%
23.90
26.75
28.33
27.80
26.44
24.47
22.12
21.18
20.52
22.09
28.93
22.09
24.18
89
4.51
Effic. R.%
12.71
14.43
12.37
9.77
10.13
11.40
13.75
11.88
13.88
12.06
9.39
12.06
12.22
73
29.40
Net margin%
20.89
18.85
18.06
16.81
16.10
13.68
12.00
10.25
11.13
11.49
17.69
11.49
14.89
80
35.72
P/E ratio (avg)x
44.74
46.17
48.03
54.26
54.12
57.91
64.83
68.57
79.43
77.92
6.758
68.57
56.08
8
34.73
P/TBVx
11.04
10.29
9.434
8.694
7.836
8.424
8.702
8.960
8.682
8.020
28.60
8.682
8.698
87
10.27
P/Bx
44.71
47.64
47.89
49.62
51.01
58.57
66.58
71.27
72.56
83.29
27.37
71.27
54.79
78
4.377
NII$M
15.68
16.69
17.52
18.69
19.88
20.68
22.28
23.34
25.07
26.95
3.220
6.28%
6.25%
—
9.13
NII grth%
19.74
22.47
19.95
17.11
17.25
17.22
18.80
16.73
14.23
14.67
27.04
16.73
17.24
30
21.70
ROTE%
16.46
14.56
13.17
13.60
11.51
13.29
13.66
14.01
14.18
14.82
27.32
14.01
13.83
33
16.00
Return on equity%
4.09
5.90
4.32
2.26
4.17
6.95
8.81
9.81
7.71
7.48
6.60
7.71
6.43
41
26.29
Return on assets%
18.21
19.43
19.80
20.16
22.46
20.02
22.07
23.21
21.58
21.84
25.83
21.84
20.87
88
0.37
EPS$
2.42
2.21
2.14
1.95
2.05
2.00
2.13
1.97
1.87
2.12
0.39
0.67%
(2.17%)
—
9.18
EPS growth%
18.58
18.90
18.83
16.60
18.09
21.04
23.20
24.33
27.16
27.17
8.12
24.33
19.97
19
2.71
Bookvalue per sh$
1.61
1.57
1.63
1.82
1.69
1.75
1.69
1.79
1.99
1.93
0.59
2.63%
2.41%
—
1.23
TBV/sh$
2.02
2.19
2.11
2.15
2.09
2.14
2.05
2.06
1.96
1.95
1.24
(1.37%)
(0.20%)
—
2.74
Dividend per sh$
1.64
1.61
1.58
1.78
1.81
1.86
1.83
2.13
2.11
2.45
1.86
6.26%
4.70%
—
12.58
Div yield (avg)%
6.62
8.19
6.11
4.62
3.33
5.42
4.60
4.01
2.99
2.48
20.54
4.01
4.61
69
8.93
Payout ratio%
12.38
11.83
12.16
14.68
14.35
11.83
10.49
10.17
13.03
12.60
12.39
11.83
12.27
78
7.768
Shares (diluted)M
9.047
10.53
10.86
12.31
13.82
15.99
16.81
19.05
19.66
21.88
8.022
9.63%
8.56%
62
17.03
Buyback yield%
3.28
4.43
1.72
0.40
0.40
2.78
5.43
7.94
9.29
10.10
28.41
7.94
3.85
11
68.22
Eq/Assets%
20.77
19.32
19.47
20.55
18.92
18.10
19.22
19.61
19.57
18.86
100.25
19.22
19.40
83
16.31
Assets$M
29.48
32.61
35.45
37.25
41.79
44.98
49.93
53.95
56.30
60.61
5.503
7.72%
8.27%
49
30.28
LT debt$M
41.48
43.22
48.33
49.77
59.73
68.79
70.59
75.29
76.43
75.38
31.14
4.76%
5.87%
46
Total assets
$60.61M
8.27%
1.19×
Revenue
$35.37M
6.39%
1.00×
Non-interest expense
$15.68M
6.29%
0.99×
Net interest income
76.21%
Non-interest income
23.79%
Spread over hurdle
49.71%