3.085
Revenue$M
11.68
12.51
13.33
14.52
15.71
16.87
18.24
19.69
20.85
21.71
3.332
6.68%
7.03%
14
10.84
Revenue growth%
13.19
15.34
13.26
15.62
14.76
13.32
14.53
13.31
14.11
16.78
7.35
14.11
14.32
13
25.07
NIM%
21.77
18.84
17.61
17.15
18.15
21.13
21.04
18.10
16.82
15.61
16.85
18.10
18.13
92
21.59
Effic. R.%
26.84
28.15
28.07
29.80
32.14
34.59
35.98
33.00
32.04
34.57
6.40
34.57
32.09
91
22.14
Net margin%
7.21
4.62
5.80
6.60
8.03
9.04
10.98
12.58
13.83
16.58
5.77
12.58
8.54
7
31.77
P/E ratio (avg)x
21.13
23.98
25.44
28.56
32.04
31.52
32.58
36.80
35.98
35.48
6.888
35.48
31.78
31
28.59
P/TBVx
17.37
17.35
19.27
19.90
20.47
22.38
25.42
26.93
28.33
33.27
12.93
26.93
21.42
85
29.46
P/Bx
9.639
9.712
9.541
9.560
10.47
11.99
13.10
14.90
15.47
16.08
37.10
14.90
11.23
19
11.15
NII$M
6.989
7.557
8.074
8.907
9.624
10.08
10.93
11.95
12.44
13.16
2.520
6.46%
7.17%
—
19.57
NII grth%
26.21
25.07
27.35
29.78
32.01
33.97
36.87
38.53
37.45
35.69
11.31
36.87
32.99
37
29.79
ROTE%
13.70
11.91
12.09
11.28
13.18
12.47
13.16
14.30
16.61
15.13
13.68
14.30
13.17
68
13.29
Return on equity%
7.85
7.16
4.24
3.04
2.38
3.19
4.80
4.77
1.94
1.85
6.90
3.19
3.71
41
29.93
Return on assets%
11.95
11.07
8.40
10.87
10.39
13.34
15.07
14.37
15.57
13.17
15.60
14.37
12.56
59
1.85
EPS$
1.58
1.52
1.58
1.79
1.69
1.80
1.70
1.95
2.15
1.99
1.90
3.36%
2.00%
—
17.80
EPS growth%
14.38
16.77
16.21
18.73
19.58
19.18
18.97
21.06
20.50
21.77
2.58
20.50
19.08
84
1.05
Bookvalue per sh$
0.74
0.81
0.81
0.91
0.87
0.79
0.73
0.80
0.87
0.79
1.67
(1.98%)
(0.56%)
—
0.71
TBV/sh$
0.68
0.64
0.67
0.65
0.58
0.51
0.46
0.44
0.44
0.47
1.02
(4.16%)
(3.82%)
—
0.76
Dividend per sh$
1.47
1.55
1.52
1.47
1.45
1.44
1.51
1.33
1.18
1.20
1.53
(3.74%)
(1.59%)
—
21.68
Div yield (avg)%
29.04
29.27
28.05
29.18
26.48
25.46
27.58
26.51
27.96
27.99
14.74
27.58
27.98
30
21.74
Payout ratio%
9.45
12.23
11.65
11.03
8.40
7.74
7.59
6.44
7.29
5.36
29.99
7.29
8.07
36
5.343
Shares (diluted)M
10.08
10.27
11.01
12.13
12.19
13.69
14.69
16.66
16.73
18.73
5.341
8.98%
7.57%
32
29.60
Buyback yield%
25.70
25.45
25.12
27.36
28.73
29.32
31.42
31.20
33.37
31.11
15.69
31.20
29.02
59
150.96
Eq/Assets%
224.26
235.70
260.77
289.43
338.16
402.41
469.09
542.70
599.40
625.31
13.50
542.70
370.28
83
1.574
Assets$M
24.58
26.17
28.86
31.66
35.25
37.75
40.95
45.46
48.12
53.66
2.671
8.77%
8.63%
75
12.54
LT debt$M
8.631
9.830
9.849
10.80
11.06
11.56
12.94
11.98
11.37
11.46
5.504
0.71%
3.43%
41
Total assets
$53.66M
8.63%
1.16×
Revenue
$21.71M
7.03%
1.00×
Non-interest expense
$9.654M
6.83%
0.98×
Net interest income
60.64%
Non-interest income
39.36%