11.47
Revenue$M
41.76
44.17
47.83
52.29
55.94
58.88
62.05
65.59
69.01
74.96
12.23
6.03%
6.87%
55
16.39
Revenue growth%
25.41
26.19
25.04
23.64
24.09
23.68
23.76
21.89
24.85
23.11
27.51
23.68
23.92
7
9.14
NIM%
29.68
28.09
27.92
25.73
24.38
27.35
24.93
25.25
26.65
26.90
28.44
26.65
26.77
93
5.45
Effic. R.%
0.40
0.40
0.40
0.40
2.75
3.53
2.15
3.85
2.73
5.23
12.49
3.53
2.44
31
27.42
Net margin%
3.30
2.60
0.43
0.68
1.08
0.40
0.40
2.91
4.99
3.71
20.45
2.91
1.84
58
13.24
P/E ratio (avg)x
46.57
49.90
48.67
51.98
48.29
45.98
43.58
44.68
41.95
46.95
10.19
44.68
46.76
82
16.78
P/TBVx
31.30
32.61
31.24
27.81
24.73
22.10
20.56
21.98
20.30
22.68
15.60
21.98
23.70
29
21.50
P/Bx
8.835
9.715
10.01
10.27
11.60
11.06
11.86
11.83
11.47
12.04
6.669
11.83
11.26
53
26.86
NII$M
22.91
23.99
26.12
28.50
31.34
32.79
34.09
36.21
38.04
40.71
29.57
5.37%
6.73%
—
23.51
NII grth%
19.01
21.68
18.69
16.84
15.25
12.57
11.60
12.28
10.74
11.14
7.19
11.60
13.91
62
4.08
ROTE%
20.01
19.34
19.52
19.79
21.14
23.51
24.09
23.84
26.81
26.52
18.70
24.09
22.32
75
22.19
Return on equity%
26.07
26.51
29.26
31.71
32.87
34.23
34.78
32.30
30.62
28.25
13.55
32.30
31.17
23
4.52
Return on assets%
3.38
0.48
2.36
3.28
2.51
3.41
1.70
0.86
2.35
4.87
12.07
2.35
2.43
83
2.29
EPS$
1.65
1.67
1.88
2.27
2.47
2.97
3.21
3.79
3.75
4.04
2.39
10.34%
10.64%
—
27.80
EPS growth%
4.54
1.78
2.54
0.40
0.40
0.62
0.40
0.44
2.09
0.40
20.25
0.44
0.53
33
2.19
Bookvalue per sh$
0.90
0.85
0.93
0.97
0.98
0.90
0.92
0.81
0.79
0.83
1.45
(3.27%)
(2.01%)
—
1.22
TBV/sh$
0.59
0.68
0.75
0.80
0.77
0.78
0.76
0.71
0.83
0.79
0.93
0.41%
3.51%
—
1.79
Dividend per sh$
1.83
1.84
1.94
1.94
2.23
2.19
2.48
2.69
2.90
3.07
0.71
6.56%
6.19%
—
23.66
Div yield (avg)%
24.56
25.91
24.38
22.75
25.58
25.68
26.86
28.74
25.84
26.49
17.61
26.49
25.76
9
8.62
Payout ratio%
24.29
26.75
25.16
27.26
24.59
25.34
23.20
22.32
20.07
18.47
8.73
22.32
24.44
73
13.57
Shares (diluted)M
18.10
18.07
20.25
20.37
21.96
21.39
22.51
22.96
22.94
25.11
13.42
2.72%
3.54%
47
24.40
Buyback yield%
19.84
20.04
17.66
18.49
20.11
17.17
18.65
18.11
20.88
18.39
6.95
18.39
18.57
8
72.64
Eq/Assets%
211.20
224.29
224.86
261.96
288.94
278.76
269.44
264.81
283.94
277.74
131.01
277.74
267.13
19
14.55
Assets$M
67.85
75.12
83.07
91.01
99.05
102.4
111.0
117.6
126.2
138.2
20.83
6.88%
7.85%
48
2.954
LT debt$M
8.569
8.562
8.656
7.675
7.333
7.035
7.358
6.410
6.438
6.540
20.22
(2.26%)
(3.26%)
70
Total assets
$138.2M
7.85%
1.10×
Revenue
$74.96M
6.87%
1.00×
Non-interest expense
$40.93M
6.72%
0.99×
Net interest income
54.30%
Non-interest income
45.70%
Spread over hurdle
29.73%