10.57
Revenue$M
18.47
19.10
20.31
21.11
21.89
23.66
25.40
27.08
29.08
31.35
11.05
7.45%
6.26%
24
23.60
Revenue growth%
25.88
26.88
28.89
29.89
30.69
28.14
27.11
25.94
24.53
27.17
27.03
27.11
27.14
17
17.26
NIM%
19.66
17.03
17.87
19.15
21.01
19.91
20.92
19.77
22.42
25.33
18.09
20.92
19.84
43
23.58
Effic. R.%
12.05
9.21
10.97
9.16
10.71
13.65
11.51
9.53
8.92
11.63
20.05
11.51
10.84
24
27.86
Net margin%
27.71
27.62
26.79
29.40
27.83
27.98
25.19
24.70
22.24
22.16
21.79
24.70
27.20
52
6.233
P/E ratio (avg)x
34.82
38.10
40.89
45.70
46.50
43.63
47.29
48.70
50.72
50.18
25.06
48.70
46.10
36
12.23
P/TBVx
12.29
13.14
11.33
10.51
11.44
11.41
12.31
11.63
12.29
12.96
35.69
12.29
11.96
30
20.73
P/Bx
13.14
12.95
12.63
11.10
9.534
8.265
7.415
8.062
8.553
8.989
35.46
8.265
9.262
39
4.416
NII$M
13.96
14.41
15.38
15.86
16.72
18.18
19.26
20.62
21.82
23.87
21.63
7.38%
6.43%
—
24.27
NII grth%
26.64
25.21
24.87
25.55
27.69
28.15
28.51
29.59
31.65
31.98
29.09
29.59
27.92
55
19.19
ROTE%
3.31
2.35
0.40
0.40
0.40
1.14
1.71
2.17
0.40
0.40
28.55
1.14
0.77
58
24.47
Return on equity%
16.50
15.64
18.56
18.78
15.88
14.60
16.48
16.28
13.37
12.91
22.30
14.60
16.08
8
9.98
Return on assets%
10.98
12.70
10.25
12.41
10.02
10.11
10.93
9.78
9.01
10.91
9.59
10.11
10.58
76
1.99
EPS$
0.89
0.84
0.79
0.72
0.79
0.82
0.74
0.75
0.84
0.95
2.13
3.78%
0.62%
—
18.04
EPS growth%
18.86
19.85
18.49
16.90
19.61
19.90
21.66
21.09
18.39
16.41
5.58
19.90
19.23
80
2.50
Bookvalue per sh$
2.39
2.27
2.40
2.56
2.87
2.84
2.68
2.97
3.38
3.76
0.59
5.55%
5.13%
—
1.55
TBV/sh$
1.12
1.12
1.25
1.18
1.30
1.26
1.21
1.18
1.11
1.23
0.86
(0.98%)
0.98%
—
1.01
Dividend per sh$
1.38
1.32
1.44
1.32
1.20
1.31
1.42
1.53
1.62
1.61
1.42
6.00%
1.83%
—
22.06
Div yield (avg)%
27.73
27.56
29.02
27.78
26.64
28.33
27.75
30.16
30.89
31.99
27.67
30.16
28.05
28
4.62
Payout ratio%
6.77
4.96
7.34
10.25
9.57
6.72
4.29
6.67
5.53
3.34
20.24
5.53
6.70
45
14.94
Shares (diluted)M
17.96
18.61
18.27
18.46
22.05
26.32
25.87
29.65
32.47
34.55
14.80
9.40%
6.99%
94
11.54
Buyback yield%
9.03
10.14
9.57
7.59
10.45
10.55
8.77
6.79
4.50
4.85
5.93
6.79
8.90
43
55.19
Eq/Assets%
176.12
199.18
192.92
188.89
211.54
197.66
202.54
204.71
186.31
208.32
16.39
202.54
198.42
19
37.15
Assets$M
62.43
64.43
69.83
75.62
84.29
91.13
99.20
107.0
121.6
128.6
41.40
8.81%
8.90%
65
42.07
LT debt$M
53.72
58.53
52.80
49.60
48.24
44.60
43.19
43.49
42.65
44.93
21.93
(1.41%)
(0.64%)
47
Total assets
$128.6M
8.90%
1.28×
Revenue
$31.35M
6.26%
1.00×
Non-interest expense
$19.07M
6.14%
0.99×
Net interest income
76.14%
Non-interest income
23.86%