33.63
Revenue$M
37.81
39.05
40.68
41.24
42.07
42.79
44.24
44.86
45.49
46.52
36.98
2.03%
2.67%
63
16.27
Revenue growth%
16.43
14.40
12.23
11.15
12.66
14.15
17.14
16.95
17.32
16.97
23.32
16.97
15.42
79
10.47
NIM%
25.17
28.17
29.42
30.44
29.25
27.63
28.73
29.04
30.37
33.06
29.41
29.04
29.14
83
24.61
Effic. R.%
27.26
24.64
23.62
22.58
19.74
22.72
22.19
19.55
17.38
18.92
24.89
19.55
22.38
56
28.77
Net margin%
22.33
24.70
25.44
25.16
24.99
26.48
28.86
31.38
28.89
29.58
4.18
28.89
25.96
67
28.05
P/E ratio (avg)x
22.21
20.67
20.94
19.09
18.90
20.52
20.41
22.05
20.83
18.95
37.50
20.52
20.60
71
24.70
P/TBVx
16.35
15.72
17.00
16.54
16.59
14.84
13.47
11.77
11.98
12.59
22.42
12.59
15.28
84
28.45
P/Bx
13.78
13.59
14.03
15.83
15.25
13.69
12.72
11.64
11.16
12.50
27.20
12.50
13.64
68
43.58
NII$M
23.82
24.40
26.06
26.53
26.71
26.79
27.65
28.68
28.56
29.17
9.854
1.78%
2.61%
—
20.41
NII grth%
15.96
13.00
13.78
10.81
9.22
7.93
5.92
8.28
5.60
7.86
20.64
7.86
8.75
78
28.15
ROTE%
11.32
10.73
9.50
8.75
10.10
10.64
11.02
11.23
13.98
16.10
27.87
11.23
10.87
52
8.85
Return on equity%
6.05
4.99
6.21
6.83
6.51
3.61
3.76
1.45
3.16
3.31
25.13
3.31
4.38
36
6.05
Return on assets%
6.88
8.01
6.17
5.06
3.06
4.09
4.79
7.03
9.82
9.68
9.94
7.03
6.52
57
5.03
EPS$
7.76
8.96
8.83
8.63
10.13
11.57
12.41
12.19
12.89
14.90
5.59
8.03%
7.56%
—
12.26
EPS growth%
7.53
9.33
10.16
10.48
11.75
10.81
10.53
10.00
8.41
6.57
23.62
10.00
10.08
15
1.04
Bookvalue per sh$
3.80
3.96
3.56
3.76
3.85
3.83
4.05
3.98
4.26
4.35
4.91
2.50%
2.49%
—
0.92
TBV/sh$
2.38
2.78
2.92
3.36
3.46
3.51
3.39
3.53
3.99
4.62
4.90
5.91%
6.26%
—
3.28
Dividend per sh$
4.19
4.89
5.32
5.80
6.16
6.86
6.66
6.29
7.01
7.30
3.64
3.46%
6.30%
—
20.49
Div yield (avg)%
27.93
27.18
27.77
29.57
29.24
26.80
28.42
25.93
25.70
28.00
20.83
26.80
27.85
14
6.32
Payout ratio%
14.52
14.02
11.11
8.22
5.60
4.36
5.53
5.82
8.25
8.93
26.91
5.82
8.24
50
5.639
Shares (diluted)M
5.494
5.311
6.065
5.872
5.548
6.445
7.037
7.556
8.779
8.211
5.647
8.16%
4.60%
52
25.46
Buyback yield%
20.52
21.89
21.06
18.45
16.55
13.85
11.73
12.07
14.46
13.21
23.16
13.21
15.50
54
99.55
Eq/Assets%
195.93
223.54
262.07
246.11
272.06
293.12
337.73
316.93
366.62
429.02
139.15
337.73
282.59
68
2.969
Assets$M
97.23
107.0
118.6
125.9
136.8
142.5
154.4
169.1
178.1
195.6
7.549
7.41%
8.55%
87
40.12
LT debt$M
17.50
18.10
20.80
20.34
18.84
17.79
17.77
17.83
17.87
18.64
40.08
(0.21%)
0.70%
49
Total assets
$195.6M
8.55%
1.75×
Revenue
$46.52M
2.67%
1.00×
Non-interest expense
$23.43M
2.81%
1.01×
Net interest income
62.71%
Non-interest income
37.29%