14.87
Revenue$M
32.80
34.76
37.34
40.76
43.70
47.80
51.91
55.10
59.90
64.78
15.52
8.19%
7.79%
80
23.47
Revenue growth%
20.79
23.08
25.54
23.94
25.59
27.87
27.22
24.74
25.18
27.57
25.59
27.22
25.36
20
20.85
NIM%
3.97
1.12
1.46
0.40
2.35
2.62
0.40
0.40
0.40
2.79
20.44
0.40
1.29
81
4.16
Effic. R.%
21.36
23.93
22.71
20.21
18.23
19.20
18.66
16.29
13.37
13.50
16.43
16.29
18.93
67
22.19
Net margin%
23.04
22.96
20.65
18.61
18.47
20.92
19.71
17.59
18.05
18.93
15.09
18.93
19.32
86
13.57
P/E ratio (avg)x
49.58
47.17
49.86
54.06
59.71
67.98
67.73
68.09
68.69
72.41
22.59
68.09
63.72
44
35.57
P/TBVx
22.46
23.85
25.88
24.50
23.53
22.87
24.89
25.00
25.68
25.41
13.32
25.00
24.69
33
18.09
P/Bx
31.28
37.12
44.44
44.55
43.92
45.79
49.74
58.99
69.29
80.59
21.14
58.99
45.17
73
41.41
NII$M
25.28
26.61
28.60
31.13
33.68
37.34
40.22
42.53
46.33
49.62
41.91
8.06%
7.74%
—
14.81
NII grth%
31.48
31.38
32.60
34.82
31.85
33.73
30.74
28.87
26.64
29.37
11.75
29.37
31.43
83
8.23
ROTE%
14.81
17.77
14.86
16.52
14.94
14.57
12.01
9.43
11.42
9.36
10.97
11.42
14.69
63
20.19
Return on equity%
20.17
20.36
18.37
19.50
17.28
19.09
21.44
22.01
20.71
20.62
9.58
20.71
20.27
17
12.77
Return on assets%
5.29
3.61
2.49
4.30
3.29
5.68
5.45
4.82
4.04
5.52
28.64
5.45
4.56
14
2.15
EPS$
3.15
3.25
3.41
4.12
4.36
4.64
4.68
4.62
5.17
5.31
2.32
3.99%
6.59%
—
8.01
EPS growth%
15.32
15.06
16.30
14.38
16.46
16.64
16.39
18.02
19.78
22.38
9.85
18.02
16.43
36
3.35
Bookvalue per sh$
0.76
0.72
0.70
0.79
0.81
0.76
0.72
0.73
0.81
0.87
3.71
1.36%
2.22%
—
1.12
TBV/sh$
3.17
3.73
4.32
4.78
5.46
6.25
6.65
7.43
7.99
9.64
2.25
12.03%
12.82%
—
0.79
Dividend per sh$
1.54
1.36
1.40
1.37
1.26
1.37
1.41
1.35
1.33
1.40
1.49
2.09%
(2.11%)
—
21.77
Div yield (avg)%
13.81
16.41
19.32
18.71
18.78
17.84
20.49
21.32
18.55
16.37
20.67
18.55
18.63
5
10.28
Payout ratio%
5.25
3.93
1.50
0.40
2.97
2.21
0.40
0.40
0.40
1.98
29.60
0.40
1.74
14
7.756
Shares (diluted)M
6.633
6.378
6.740
6.970
7.416
7.057
7.326
6.913
6.569
6.370
7.887
(2.99%)
(0.84%)
57
20.11
Buyback yield%
20.41
20.78
19.57
17.29
20.20
17.92
20.45
18.32
18.41
18.55
18.52
18.41
19.06
20
78.88
Eq/Assets%
25.54
28.44
30.70
33.35
32.77
33.05
31.45
33.62
36.14
38.75
111.08
33.62
32.91
37
21.27
Assets$M
61.47
66.70
71.12
79.13
84.63
89.61
99.77
105.7
114.2
123.7
37.02
7.89%
8.30%
86
3.189
LT debt$M
17.46
17.69
17.39
18.49
18.18
20.21
21.22
22.05
21.76
20.83
43.20
2.75%
1.05%
15
Total assets
$123.7M
8.30%
1.05×
Revenue
$64.78M
7.79%
1.00×
Non-interest expense
$32.91M
7.68%
0.99×
Net interest income
76.60%
Non-interest income
23.40%
Spread over hurdle
42.32%