9.421
Revenue$M
5.968
6.450
6.803
7.296
7.850
8.232
8.687
9.118
9.498
10.02
10.33
5.01%
5.90%
89
8.12
Revenue growth%
1.54
2.16
0.40
2.16
4.45
2.67
0.40
0.69
0.40
0.49
7.03
0.49
1.12
35
8.55
NIM%
18.54
19.27
20.08
20.43
21.26
19.60
20.93
21.38
20.95
21.28
5.16
20.95
20.68
18
29.16
Effic. R.%
20.44
21.22
19.85
18.33
17.69
16.16
17.61
16.03
15.52
15.52
25.16
16.03
17.65
52
24.48
Net margin%
6.21
4.01
6.79
7.76
5.42
2.90
1.84
2.71
0.40
0.67
12.74
1.84
3.46
46
11.26
P/E ratio (avg)x
11.11
12.58
14.13
16.33
16.32
15.39
15.94
15.74
16.61
17.32
10.60
15.94
15.84
75
22.55
P/TBVx
7.770
7.175
6.832
6.740
5.976
6.464
6.267
5.855
5.483
5.673
33.88
5.855
6.366
85
8.547
P/Bx
51.57
56.86
62.25
60.29
57.51
60.99
61.25
65.74
72.47
78.36
28.75
65.74
61.12
58
7.570
NII$M
3.720
4.063
4.187
4.530
4.905
5.154
5.408
5.726
5.845
6.284
12.19
5.08%
6.13%
—
25.68
NII grth%
10.60
7.89
9.28
11.68
10.02
8.35
7.94
9.94
7.52
9.11
22.90
8.35
9.20
61
16.99
ROTE%
21.54
21.54
22.30
22.32
23.36
21.26
23.07
23.19
23.29
23.60
21.24
23.19
22.70
20
2.89
Return on equity%
27.12
28.57
31.29
31.80
31.97
29.99
30.38
28.04
28.66
27.95
16.41
28.66
29.32
57
19.43
Return on assets%
12.58
13.02
12.71
13.18
15.52
15.21
15.31
13.08
14.45
16.82
11.53
15.21
13.82
35
0.68
EPS$
0.51
0.50
0.47
0.48
0.47
0.42
0.43
0.38
0.32
0.34
0.73
(6.45%)
(3.16%)
—
4.94
EPS growth%
17.08
16.43
18.01
16.38
15.80
15.61
16.24
18.27
17.78
18.24
22.82
17.78
16.75
26
2.40
Bookvalue per sh$
0.39
0.43
0.41
0.43
0.47
0.51
0.57
0.55
0.60
0.62
2.01
5.79%
3.58%
—
0.43
TBV/sh$
1.19
1.30
1.27
1.23
1.16
1.28
1.38
1.30
1.30
1.21
1.39
0.76%
0.77%
—
1.11
Dividend per sh$
2.45
2.62
2.85
3.10
3.33
3.76
3.55
3.68
3.47
3.21
0.91
(0.78%)
4.09%
—
2.39
Div yield (avg)%
16.34
14.89
14.82
14.20
15.59
17.43
17.49
19.32
20.76
17.85
7.95
17.85
16.89
42
24.24
Payout ratio%
3.36
2.85
1.02
2.42
2.87
1.94
3.97
1.91
2.86
2.13
27.42
2.13
2.63
10
3.803
Shares (diluted)M
4.161
4.247
4.708
4.782
4.312
4.185
3.814
3.452
3.746
3.316
3.927
(5.12%)
(2.64%)
74
17.87
Buyback yield%
11.88
11.33
12.02
14.42
11.78
9.58
11.86
13.00
15.80
13.40
16.86
13.00
11.95
57
133.35
Eq/Assets%
98.34
91.45
105.09
107.60
104.24
109.54
116.52
114.51
124.65
120.40
175.20
116.52
108.57
56
6.505
Assets$M
44.74
49.25
54.32
61.17
62.99
70.36
73.54
82.00
88.43
95.06
12.26
8.58%
8.73%
15
4.768
LT debt$M
3.096
3.598
3.727
3.654
4.022
4.726
4.827
5.097
5.348
5.582
7.215
6.77%
6.67%
31
Total assets
$95.06M
8.73%
1.30×
Revenue
$10.02M
5.90%
1.00×
Non-interest expense
$4.549M
5.74%
0.99×
Net interest income
62.70%
Non-interest income
37.30%