37.73
Revenue$M
38.16
40.61
41.28
42.36
44.80
46.55
47.78
48.90
51.54
54.79
38.87
4.11%
4.04%
75
2.58
Revenue growth%
16.47
17.97
16.87
13.92
14.53
13.55
11.70
8.74
6.80
6.70
6.50
8.74
13.74
59
5.79
NIM%
10.50
11.15
10.33
10.70
12.99
14.36
14.43
12.77
14.71
11.87
27.25
14.36
12.32
8
9.66
Effic. R.%
23.21
23.96
26.96
24.03
21.88
19.41
16.66
17.67
18.96
18.24
14.79
18.24
20.64
47
13.27
Net margin%
3.15
2.21
1.89
4.19
6.42
8.33
5.87
4.85
3.85
6.71
26.05
5.87
4.52
34
25.87
P/E ratio (avg)x
33.36
38.50
39.05
42.48
46.86
48.74
52.61
55.90
56.48
57.77
32.32
55.90
47.80
61
27.67
P/TBVx
41.00
48.69
53.32
57.47
60.10
62.52
67.60
65.89
71.00
78.73
18.10
67.60
61.31
69
32.74
P/Bx
6.516
6.951
7.103
6.574
6.982
6.868
6.612
6.240
6.138
5.571
32.03
6.240
6.593
63
39.66
NII$M
26.16
27.84
28.27
28.38
30.31
31.50
32.33
32.95
35.42
37.67
19.59
4.44%
4.12%
—
2.33
NII grth%
11.03
9.50
7.56
4.71
5.43
8.16
5.42
2.44
0.45
0.40
7.35
2.44
5.42
88
26.76
ROTE%
20.88
19.00
17.09
15.20
15.40
13.84
15.44
13.48
13.35
13.17
19.77
13.48
15.30
19
28.35
Return on equity%
10.82
12.45
10.34
8.11
11.06
8.73
9.79
12.07
9.55
12.42
24.08
9.79
10.58
60
10.22
Return on assets%
25.65
25.29
25.57
22.97
24.06
22.23
24.03
24.17
22.91
23.62
24.65
23.62
24.05
11
1.49
EPS$
2.58
2.98
2.82
2.87
3.24
3.20
3.50
3.94
3.89
3.95
1.53
4.00%
4.37%
—
18.41
EPS growth%
20.02
19.18
22.10
19.32
18.02
20.46
19.81
20.34
21.59
18.88
9.64
20.34
19.92
74
1.56
Bookvalue per sh$
0.79
0.87
0.87
0.88
0.88
0.94
0.86
0.83
0.89
0.82
0.99
(1.32%)
(0.39%)
—
2.39
TBV/sh$
1.32
1.42
1.30
1.40
1.35
1.42
1.23
1.06
1.03
0.97
1.30
(6.39%)
(4.24%)
—
0.35
Dividend per sh$
0.42
0.38
0.39
0.42
0.37
0.35
0.37
0.36
0.40
0.40
1.96
1.79%
(1.17%)
—
26.42
Div yield (avg)%
9.98
7.33
9.69
6.87
5.99
6.07
8.24
7.75
4.99
3.43
16.39
6.07
7.10
52
5.39
Payout ratio%
23.82
26.65
26.06
24.98
27.92
28.54
30.48
27.56
27.22
29.39
15.99
28.54
27.39
64
16.18
Shares (diluted)M
26.87
25.76
24.22
23.94
25.68
25.81
25.07
27.34
26.50
30.78
16.40
3.70%
2.86%
42
5.20
Buyback yield%
18.20
17.65
17.07
18.72
20.10
22.65
24.33
27.07
27.83
27.96
11.85
27.07
21.37
12
132.08
Eq/Assets%
9.71
10.32
9.02
7.78
8.53
8.38
7.60
8.19
8.54
8.00
165.25
8.19
8.45
26
35.16
Assets$M
51.56
57.42
63.66
67.20
70.78
78.18
85.75
94.04
102.9
108.8
32.59
8.99%
8.62%
30
29.59
LT debt$M
16.98
16.15
16.92
17.04
18.65
16.66
16.30
17.32
16.35
17.66
36.49
(1.08%)
0.09%
39
Total assets
$108.8M
8.62%
1.54×
Revenue
$54.79M
4.04%
1.00×
Non-interest expense
$30.03M
4.00%
1.00×
Net interest income
68.75%
Non-interest income
31.25%