26.78
Revenue$M
32.74
34.66
36.33
38.94
40.54
41.97
44.05
46.23
47.81
49.76
28.25
4.18%
4.61%
92
20.30
Revenue growth%
9.72
10.19
7.69
9.23
7.53
4.64
7.39
4.82
5.49
6.15
22.21
5.49
7.46
65
13.21
NIM%
9.70
8.16
5.38
5.09
2.96
1.30
3.63
1.96
0.40
2.80
8.89
1.96
3.29
44
29.56
Effic. R.%
17.90
16.27
18.82
17.10
15.29
16.50
17.47
14.88
16.84
19.69
15.55
16.84
16.97
60
19.02
Net margin%
6.53
5.45
8.32
8.78
10.60
12.51
14.20
13.55
12.66
12.36
11.28
12.66
11.48
68
11.12
P/E ratio (avg)x
22.52
24.33
24.75
24.55
23.46
25.42
27.55
28.79
30.80
31.83
27.74
28.79
25.08
81
7.478
P/TBVx
26.30
23.76
25.77
28.60
25.31
25.11
26.32
24.80
23.25
20.78
28.89
24.80
25.21
47
14.83
P/Bx
41.49
41.24
46.64
46.17
55.36
59.57
68.34
75.88
88.39
96.83
31.65
75.88
57.47
51
17.94
NII$M
19.60
20.51
21.33
23.12
24.30
24.62
26.14
27.50
28.14
29.28
8.098
3.80%
4.41%
—
20.19
NII grth%
12.62
13.59
10.80
11.79
10.69
9.90
11.18
11.71
10.14
10.65
10.54
10.65
10.99
58
5.73
ROTE%
13.31
12.72
14.27
14.57
16.16
17.83
16.28
17.48
19.32
20.62
22.26
17.83
16.22
12
20.43
Return on equity%
29.56
30.98
30.05
30.08
32.05
34.87
36.07
33.99
34.27
33.52
11.89
34.27
32.78
49
4.21
Return on assets%
28.06
28.29
27.96
26.54
26.40
27.74
25.68
24.45
22.59
23.19
14.31
24.45
26.47
74
0.68
EPS$
0.94
0.94
1.00
1.12
1.13
1.14
1.16
1.06
1.17
1.05
0.72
(1.43%)
0.11%
—
23.50
EPS growth%
15.11
12.98
10.59
9.10
9.66
11.36
9.61
10.32
12.54
15.48
7.57
11.36
10.98
31
2.00
Bookvalue per sh$
3.52
3.51
4.14
4.37
4.85
5.59
5.92
5.95
6.47
6.44
1.25
5.84%
7.89%
—
0.56
TBV/sh$
2.94
3.35
3.28
3.65
3.87
4.56
5.08
5.39
5.76
5.71
0.52
8.08%
8.08%
—
0.83
Dividend per sh$
2.01
2.06
2.37
2.66
2.57
2.45
2.57
2.50
2.74
2.65
1.18
0.56%
4.19%
—
4.57
Div yield (avg)%
14.03
12.61
9.63
7.07
9.75
7.73
9.22
11.43
11.07
9.32
10.19
9.32
9.69
55
27.82
Payout ratio%
17.96
16.57
17.32
16.37
16.58
13.66
12.28
11.10
10.08
9.35
2.80
11.10
15.02
55
16.20
Shares (diluted)M
22.48
22.72
25.11
24.45
25.19
24.45
23.25
24.83
22.94
25.80
16.53
0.49%
2.21%
66
29.70
Buyback yield%
28.14
26.50
23.57
24.56
23.43
23.78
21.14
21.33
18.61
16.75
15.76
21.14
23.50
31
134.28
Eq/Assets%
29.80
27.45
26.52
24.23
21.40
19.52
18.42
16.06
14.26
13.10
77.43
16.06
20.46
60
20.35
Assets$M
74.15
83.27
87.48
94.03
106.4
114.5
122.0
133.3
151.4
166.9
17.87
9.44%
8.93%
35
23.36
LT debt$M
10.15
10.13
9.929
10.31
10.83
11.17
11.67
11.97
13.67
15.23
21.78
7.07%
5.90%
19
Total assets
$166.9M
8.93%
1.50×
Revenue
$49.76M
4.61%
1.00×
Non-interest expense
$26.94M
4.79%
1.02×
Net interest income
58.84%
Non-interest income
41.16%
Spread over hurdle
17.27%