36.56
Revenue$M
29.77
31.19
33.04
34.82
37.45
39.48
41.23
42.86
45.49
49.20
40.54
5.61%
5.78%
15
17.78
Revenue growth%
4.02
2.04
0.40
0.63
0.40
0.40
0.40
2.55
4.11
5.29
9.39
2.55
1.33
71
16.48
NIM%
12.50
11.36
10.78
9.44
10.58
11.86
10.89
8.19
5.71
5.30
2.06
8.19
10.68
26
5.18
Effic. R.%
25.22
23.48
24.08
24.67
22.36
22.08
21.29
22.91
23.45
25.92
12.20
22.91
23.47
65
19.24
Net margin%
15.14
14.22
13.42
13.07
13.58
11.17
8.45
5.81
7.61
8.64
13.80
8.45
12.12
37
33.63
P/E ratio (avg)x
10.69
12.05
13.18
13.39
13.93
15.51
17.60
17.28
19.52
22.16
36.76
17.60
14.72
47
8.607
P/TBVx
24.03
22.84
24.69
24.39
25.77
25.80
27.70
24.24
21.36
22.61
25.01
24.24
24.32
14
12.75
P/Bx
9.199
9.371
9.116
9.682
9.141
9.506
9.705
9.876
9.096
9.371
32.66
9.506
9.371
86
31.40
NII$M
20.27
21.83
22.51
24.17
25.82
27.54
28.32
29.32
31.22
33.60
21.51
5.41%
5.60%
—
27.80
NII grth%
14.24
14.04
12.02
9.91
10.26
9.66
10.30
7.50
7.47
6.62
4.99
7.50
10.09
20
3.31
ROTE%
15.64
18.64
18.45
15.78
17.87
20.15
22.92
23.08
21.12
19.75
19.24
21.12
19.20
89
27.35
Return on equity%
15.93
13.56
13.19
12.68
15.06
17.46
15.74
14.77
14.83
17.65
5.49
15.74
14.94
83
10.09
Return on assets%
14.91
13.50
13.48
14.20
11.27
10.87
8.65
8.52
5.54
4.27
20.93
8.52
11.07
60
1.15
EPS$
2.16
2.05
2.10
2.36
2.20
2.33
2.24
2.03
2.29
2.10
1.22
(0.95%)
0.94%
—
22.38
EPS growth%
7.77
9.71
9.39
10.97
9.03
11.24
13.90
14.09
12.71
13.02
15.91
13.02
11.10
31
3.76
Bookvalue per sh$
1.65
1.45
1.34
1.32
1.34
1.21
1.20
1.06
0.89
0.84
2.75
(8.95%)
(8.07%)
—
3.45
TBV/sh$
0.58
0.67
0.64
0.63
0.59
0.58
0.63
0.68
0.68
0.79
1.42
6.02%
3.30%
—
1.11
Dividend per sh$
0.91
0.88
0.88
0.85
0.94
1.02
0.99
0.94
0.97
1.04
1.31
2.03%
1.36%
—
7.77
Div yield (avg)%
13.96
15.03
14.64
17.25
15.35
14.24
17.12
18.92
17.98
20.92
11.71
17.98
16.24
30
2.66
Payout ratio%
0.40
0.40
1.15
0.40
0.40
0.40
2.46
2.07
2.83
2.88
13.18
2.46
0.78
49
6.600
Shares (diluted)M
6.047
5.193
5.529
4.922
4.523
4.397
4.668
4.389
4.230
4.157
6.567
(1.67%)
(4.24%)
68
16.90
Buyback yield%
3.77
3.18
3.06
4.02
5.16
3.57
1.19
0.97
0.40
1.46
23.61
1.19
3.12
37
125.82
Eq/Assets%
96.93
116.28
128.99
140.39
161.15
164.75
175.90
183.57
220.18
239.27
109.34
183.57
162.95
85
8.535
Assets$M
21.53
23.61
25.08
27.91
30.51
32.85
35.43
38.08
41.24
44.12
30.96
7.66%
8.02%
14
2.176
LT debt$M
42.45
39.35
40.38
40.18
38.48
37.58
34.91
38.22
36.12
33.18
11.76
(2.92%)
(1.45%)
90
Total assets
$44.12M
8.02%
1.23×
Revenue
$49.20M
5.78%
1.00×
Non-interest expense
$28.75M
5.84%
1.01×
Net interest income
68.29%
Non-interest income
31.71%