12.48
Revenue$M
35.57
35.57
36.21
37.66
38.26
38.81
39.70
40.82
41.10
42.88
12.99
2.31%
1.88%
67
19.76
Revenue growth%
5.11
6.34
3.42
2.52
4.41
4.88
6.32
5.83
5.86
7.81
20.02
5.86
5.47
64
12.62
NIM%
21.59
24.41
24.07
21.49
22.66
23.86
24.05
26.47
24.27
21.35
24.72
24.05
23.96
6
4.75
Effic. R.%
19.32
21.60
19.10
17.09
17.10
17.41
15.33
15.06
17.58
15.06
9.31
15.33
17.25
77
28.34
Net margin%
9.62
7.52
6.99
8.80
8.71
5.99
3.95
6.04
5.09
4.24
7.93
5.09
6.51
30
32.29
P/E ratio (avg)x
32.85
38.87
42.55
47.43
51.79
52.69
57.00
58.05
57.85
61.54
27.81
57.85
52.24
49
12.31
P/TBVx
50.64
52.85
60.34
69.69
76.29
76.13
90.76
93.82
93.11
92.30
18.30
92.30
76.21
39
11.40
P/Bx
8.603
8.393
10.06
10.00
11.04
11.73
12.76
15.24
17.84
19.14
37.38
15.24
11.39
91
8.528
NII$M
25.13
24.70
25.48
26.58
26.97
27.53
28.24
28.57
29.15
30.00
22.67
2.15%
1.79%
—
24.46
NII grth%
29.87
27.16
27.45
25.38
26.37
24.32
23.67
23.67
25.14
25.55
6.51
24.32
25.46
41
15.25
ROTE%
13.85
13.02
12.24
14.69
12.78
11.48
11.85
11.39
9.59
10.19
19.38
11.39
12.04
36
5.05
Return on equity%
3.03
3.46
5.20
5.85
5.05
4.07
5.31
4.28
4.28
4.22
4.27
4.28
4.28
7
5.04
Return on assets%
16.86
18.46
17.58
18.70
19.39
21.07
22.29
22.96
23.22
26.21
24.15
22.96
20.23
37
0.49
EPS$
5.33
6.24
5.98
5.92
6.15
5.95
7.03
7.01
7.73
8.98
0.54
7.88%
7.23%
—
15.63
EPS growth%
2.65
5.14
7.80
7.44
5.73
2.91
1.23
2.73
2.61
1.67
12.14
2.61
2.82
37
2.27
Bookvalue per sh$
1.35
1.50
1.46
1.39
1.25
1.28
1.24
1.13
1.15
1.19
2.41
(1.03%)
(1.09%)
—
2.63
TBV/sh$
0.64
0.61
0.58
0.63
0.56
0.56
0.62
0.58
0.61
0.61
1.95
2.01%
0.56%
—
2.17
Dividend per sh$
2.62
2.84
3.09
3.04
3.15
3.15
3.51
4.05
3.94
4.51
0.72
7.43%
5.38%
—
2.13
Div yield (avg)%
7.71
7.26
5.71
3.87
6.86
4.74
6.13
4.05
3.56
1.57
29.26
4.05
5.22
18
16.20
Payout ratio%
24.78
22.54
19.89
22.40
20.75
22.61
21.44
21.40
22.89
21.67
22.32
21.67
22.04
90
4.027
Shares (diluted)M
5.407
5.445
4.901
4.819
4.380
4.133
4.306
3.892
3.558
3.970
4.121
(1.95%)
(2.10%)
80
6.71
Buyback yield%
20.26
20.89
19.17
17.17
20.01
19.29
17.31
16.99
14.72
12.60
24.67
16.99
18.24
91
114.30
Eq/Assets%
51.05
52.30
47.65
40.65
36.07
36.92
39.87
37.38
37.70
41.03
108.90
37.70
40.26
13
12.03
Assets$M
85.87
93.48
100.8
111.0
124.7
131.4
143.7
158.0
171.8
186.9
14.63
8.42%
8.65%
39
30.84
LT debt$M
30.89
28.22
26.18
29.35
30.05
27.83
27.29
30.48
29.29
28.91
20.28
(0.78%)
0.22%
23
Total assets
$186.9M
8.65%
1.90×
Revenue
$42.88M
1.88%
1.00×
Non-interest expense
$26.21M
1.76%
0.99×
Net interest income
69.95%
Non-interest income
30.05%
Spread over hurdle
11.34%