34.58
Revenue$M
42.20
44.19
45.21
46.12
47.73
49.09
50.02
51.70
52.73
53.10
37.81
2.15%
2.41%
36
8.79
Revenue growth%
19.61
21.07
20.95
19.89
22.04
21.73
20.63
21.53
22.44
20.05
23.03
21.53
21.01
41
13.80
NIM%
29.11
26.55
26.13
24.59
26.32
28.83
30.33
32.84
30.06
29.31
9.50
30.06
28.97
66
22.52
Effic. R.%
7.79
7.85
8.34
6.25
8.62
9.11
9.91
11.12
13.22
15.36
24.35
11.12
8.87
85
14.03
Net margin%
16.60
16.14
15.09
13.14
12.88
11.14
9.31
7.21
5.07
2.62
10.27
7.21
12.01
71
29.76
P/E ratio (avg)x
7.742
7.951
8.326
8.981
10.07
9.220
10.49
10.04
10.76
11.29
34.44
10.49
9.631
34
16.18
P/TBVx
50.23
51.14
58.07
66.94
74.49
86.41
94.37
102.9
104.6
102.6
21.27
102.6
80.45
86
21.22
P/Bx
15.83
16.42
16.17
16.67
14.54
13.39
13.82
14.26
15.71
13.99
12.70
13.99
15.12
94
35.37
NII$M
28.70
29.81
30.80
31.12
31.92
33.00
34.22
34.34
35.17
35.72
30.00
2.27%
2.37%
—
3.15
NII grth%
24.97
27.46
25.85
27.02
25.78
23.17
22.17
20.56
22.74
20.40
26.59
22.17
24.07
30
22.90
ROTE%
15.56
15.11
15.26
13.69
16.47
16.97
15.58
14.05
14.86
14.02
7.91
14.86
15.19
32
5.94
Return on equity%
9.65
9.34
10.87
10.62
10.59
11.48
10.42
9.74
11.00
11.55
6.11
11.00
10.60
80
25.23
Return on assets%
10.37
12.04
14.64
12.88
12.70
10.43
9.18
10.41
12.17
11.39
11.00
10.43
11.72
30
2.78
EPS$
1.15
1.19
1.22
1.31
1.43
1.50
1.71
1.95
2.23
2.35
2.87
10.42%
7.90%
—
24.83
EPS growth%
19.21
21.26
23.02
24.43
26.10
26.13
24.98
23.46
21.37
23.50
29.48
23.50
23.48
86
2.21
Bookvalue per sh$
4.53
4.82
5.23
5.19
5.06
5.27
5.66
5.37
5.64
6.33
2.35
4.59%
3.63%
—
3.72
TBV/sh$
4.08
4.42
4.68
4.45
4.65
4.47
5.11
5.66
5.32
4.90
2.26
1.02%
0.86%
—
0.70
Dividend per sh$
1.90
1.89
2.01
2.18
2.23
2.45
2.47
2.38
2.39
2.34
1.11
0.95%
3.54%
—
22.38
Div yield (avg)%
5.33
6.19
4.33
6.92
8.48
8.09
10.33
9.17
6.31
7.28
4.42
8.09
7.10
94
3.67
Payout ratio%
8.37
6.64
8.04
6.74
4.78
7.72
10.37
10.10
10.33
10.12
15.66
10.12
8.21
33
5.034
Shares (diluted)M
5.371
5.829
5.339
5.788
6.551
6.490
7.362
6.679
6.554
5.891
5.065
(2.10%)
0.36%
27
12.73
Buyback yield%
2.56
3.31
5.07
4.28
4.40
5.48
7.45
4.90
7.10
9.34
17.78
7.10
4.99
57
159.64
Eq/Assets%
68.12
77.96
77.71
87.76
90.89
98.79
98.64
113.03
118.72
133.35
157.92
113.03
94.76
92
26.71
Assets$M
86.45
93.20
99.11
108.6
111.8
120.0
128.6
135.6
149.5
160.4
11.36
7.47%
7.20%
67
19.08
LT debt$M
52.30
59.53
56.84
63.56
62.33
69.43
80.14
80.32
84.05
97.36
40.42
9.33%
5.64%
19
Total assets
$160.4M
7.20%
1.58×
Revenue
$53.10M
2.41%
1.00×
Non-interest expense
$27.74M
2.67%
1.03×
Net interest income
67.27%
Non-interest income
32.73%