61.36
Revenue$M
55.62
58.09
59.88
60.71
63.68
67.03
70.28
71.59
75.72
77.86
64.66
4.10%
4.01%
34
13.73
Revenue growth%
23.03
20.27
19.65
21.37
23.64
21.12
22.01
23.08
24.51
26.40
16.74
23.08
22.52
61
2.65
NIM%
4.17
6.01
5.39
2.77
1.47
0.40
0.40
0.63
2.70
5.67
14.58
0.63
2.73
75
26.94
Effic. R.%
10.01
10.52
11.14
9.11
10.14
10.44
10.14
9.19
7.22
7.65
11.84
9.19
10.07
49
13.68
Net margin%
18.71
17.72
17.48
17.27
19.54
20.26
18.32
19.16
16.65
14.83
7.58
18.32
18.02
69
19.61
P/E ratio (avg)x
25.08
27.57
26.83
25.42
26.83
27.56
31.62
36.27
41.61
39.89
17.80
36.27
27.56
25
9.371
P/TBVx
47.89
47.71
49.44
55.95
64.78
77.51
78.94
78.57
80.44
96.72
11.36
78.94
71.14
32
9.118
P/Bx
26.53
25.04
22.15
21.92
22.71
20.22
20.33
19.30
16.91
18.02
37.39
19.30
21.12
40
24.94
NII$M
40.42
41.34
42.98
43.74
46.26
48.10
51.19
51.49
55.14
56.68
55.75
4.14%
4.13%
—
4.85
NII grth%
7.58
5.28
3.22
6.04
6.99
4.89
5.74
5.48
7.18
5.28
21.74
5.48
5.61
86
9.80
ROTE%
14.20
16.91
19.82
21.19
24.02
26.62
23.67
22.14
22.04
21.80
21.30
22.14
21.92
86
25.69
Return on equity%
23.31
25.12
24.91
27.30
26.87
29.77
26.86
26.61
24.37
21.96
18.14
26.61
25.86
13
9.88
Return on assets%
4.87
7.74
10.46
11.63
10.35
7.98
6.93
6.69
8.66
10.16
5.70
7.98
8.32
36
3.72
EPS$
1.90
2.14
2.36
2.71
2.61
3.11
3.71
4.30
5.01
5.16
4.00
14.58%
12.11%
—
26.01
EPS growth%
18.66
18.11
19.07
18.53
16.49
18.38
21.07
23.35
24.06
26.82
11.73
23.35
18.87
74
1.99
Bookvalue per sh$
3.12
3.21
3.39
4.04
4.84
5.25
6.07
6.90
7.25
7.88
4.84
10.24%
10.49%
—
4.13
TBV/sh$
4.19
4.47
4.79
5.06
4.96
5.13
5.14
5.42
5.64
6.18
0.91
4.48%
4.90%
—
1.74
Dividend per sh$
3.18
3.54
4.02
4.13
3.90
4.26
4.22
4.25
4.60
4.89
4.63
4.62%
4.00%
—
5.25
Div yield (avg)%
22.20
22.63
19.77
21.81
18.85
20.40
20.37
20.64
19.85
19.70
21.65
20.37
20.39
75
21.78
Payout ratio%
25.58
27.93
27.64
30.44
27.53
28.14
31.13
29.00
28.65
27.80
26.21
28.65
28.03
6
5.486
Shares (diluted)M
7.409
7.149
7.586
7.758
8.525
7.912
8.394
8.123
8.655
9.558
5.301
2.31%
3.90%
54
20.49
Buyback yield%
0.42
0.40
0.40
3.00
3.62
4.85
6.44
4.28
3.08
5.57
28.71
4.85
3.35
73
24.61
Eq/Assets%
118.25
135.11
142.54
167.79
165.52
166.32
166.20
171.57
198.65
222.53
34.76
171.57
166.26
76
55.33
Assets$M
30.01
32.92
36.38
38.67
40.72
45.40
51.41
53.83
59.23
64.99
87.37
9.80%
9.44%
64
5.686
LT debt$M
35.50
34.85
37.66
34.24
32.60
35.14
34.37
34.35
36.33
35.20
71.87
1.54%
0.33%
88
Total assets
$64.99M
9.44%
1.66×
Revenue
$77.86M
4.01%
1.00×
Non-interest expense
$47.51M
4.28%
1.03×
Net interest income
72.80%
Non-interest income
27.20%
Return on capital
107.50%