30.66
Revenue$M
35.11
37.09
38.39
39.84
41.83
44.77
45.86
47.27
49.74
51.75
32.06
4.35%
4.32%
54
12.25
Revenue growth%
1.84
2.94
0.52
3.34
4.03
1.82
3.78
5.56
8.53
8.11
4.85
5.56
3.56
63
19.56
NIM%
29.19
29.76
28.61
31.07
31.98
34.71
34.74
35.14
34.56
33.02
23.00
34.71
32.50
32
11.34
Effic. R.%
10.64
10.00
9.96
9.62
8.05
8.12
6.49
7.19
4.83
6.32
15.53
6.49
8.08
32
14.58
Net margin%
25.12
24.51
26.06
24.05
24.05
25.25
24.21
23.66
22.38
23.81
21.84
23.81
24.13
95
29.75
P/E ratio (avg)x
14.40
13.08
13.53
13.97
13.29
11.77
12.80
12.20
13.20
13.31
35.15
12.80
13.24
42
34.15
P/TBVx
18.39
16.12
15.74
17.10
17.61
15.58
14.39
12.61
11.51
12.44
14.07
12.61
15.66
13
17.22
P/Bx
27.07
28.92
30.76
31.50
30.95
32.68
35.97
33.05
32.09
29.66
33.75
32.68
31.23
75
5.883
NII$M
23.60
24.97
26.55
27.10
28.42
30.14
31.30
32.21
33.85
35.57
31.88
4.59%
4.40%
—
21.51
NII grth%
24.81
27.61
27.76
29.46
29.41
27.68
26.79
28.84
26.83
28.42
28.20
27.68
27.72
23
15.68
ROTE%
5.67
3.23
4.68
2.67
0.94
0.40
0.40
2.31
1.00
3.13
23.81
1.00
2.49
91
2.68
Return on equity%
18.44
20.49
19.80
19.06
16.41
14.17
16.71
16.82
17.86
18.96
4.86
16.82
18.15
86
19.72
Return on assets%
9.69
11.80
12.62
13.18
15.89
15.35
15.29
15.78
15.79
14.59
21.43
15.35
14.94
37
9.99
EPS$
13.52
16.12
16.20
17.25
17.93
20.01
19.88
20.61
21.68
24.48
10.28
6.43%
7.84%
—
16.38
EPS growth%
2.86
2.11
2.65
0.88
0.40
0.43
2.35
0.40
2.74
0.73
8.57
0.73
1.49
72
22.65
Bookvalue per sh$
6.80
6.69
7.07
7.33
6.94
7.95
7.95
7.77
8.71
9.83
6.02
7.22%
4.98%
—
18.09
TBV/sh$
22.14
21.72
21.84
21.94
20.09
18.80
18.64
19.37
21.18
21.11
14.68
1.00%
0.44%
—
22.83
Dividend per sh$
16.00
17.55
17.04
17.20
18.15
18.51
20.20
21.10
23.28
25.19
19.28
6.77%
4.73%
—
29.95
Div yield (avg)%
8.06
11.02
10.29
11.52
8.63
6.64
9.09
11.30
14.21
14.99
10.26
11.30
10.65
87
8.61
Payout ratio%
32.41
29.80
32.64
34.74
32.75
34.11
34.88
36.40
34.97
33.54
10.33
34.88
33.83
89
3.290
Shares (diluted)M
3.144
2.886
2.880
2.813
2.446
2.318
2.140
2.346
2.391
2.084
3.268
(3.15%)
(3.74%)
49
16.80
Buyback yield%
8.23
5.81
5.04
3.08
5.99
5.33
3.69
4.94
5.10
6.73
14.12
5.10
5.22
43
102.36
Eq/Assets%
175.72
180.48
192.55
194.21
220.85
228.65
229.56
233.38
243.41
243.35
176.45
233.38
224.75
54
64.41
Assets$M
51.76
54.75
62.66
67.83
71.05
80.14
89.56
95.04
105.3
109.9
3.247
9.12%
9.13%
69
29.02
LT debt$M
7.901
7.492
7.614
6.806
6.921
7.399
6.826
7.109
7.290
6.442
54.24
(1.43%)
(2.27%)
55
Total assets
$109.9M
9.13%
1.57×
Revenue
$51.75M
4.32%
1.00×
Non-interest expense
$27.41M
3.96%
0.97×
Net interest income
68.74%
Non-interest income
31.26%
Spread over hurdle
26.89%