7.287
Revenue$M
18.38
19.09
19.82
21.17
22.00
22.84
24.27
25.46
27.04
28.43
8.071
5.26%
5.23%
23
21.82
Revenue growth%
31.81
30.36
30.51
30.14
27.62
29.61
28.50
30.26
27.33
28.60
7.83
28.60
29.87
31
26.96
NIM%
8.02
6.47
7.87
5.18
3.44
4.44
3.17
4.14
3.48
6.24
6.24
4.14
4.81
38
17.68
Effic. R.%
17.48
14.50
15.75
13.83
11.03
10.16
10.24
10.26
9.93
12.62
2.64
10.24
11.82
53
4.51
Net margin%
29.02
31.71
30.41
28.41
25.66
22.72
24.50
24.64
23.29
20.63
5.56
23.29
25.15
74
27.37
P/E ratio (avg)x
18.04
16.37
14.45
12.67
13.30
12.48
12.76
11.76
12.84
12.97
15.35
12.76
12.90
78
6.261
P/TBVx
46.37
50.78
53.82
60.97
59.57
61.50
57.69
57.16
55.49
60.26
12.65
57.69
57.43
46
7.771
P/Bx
12.17
13.56
14.75
14.48
15.57
17.85
17.12
19.09
19.37
19.15
37.62
19.09
16.34
68
19.83
NII$M
14.36
15.25
15.71
16.68
17.29
17.83
19.40
19.96
21.30
22.43
9.691
5.34%
5.14%
—
26.57
NII grth%
8.02
10.25
7.54
8.98
6.38
4.87
4.14
6.62
7.79
9.10
8.08
6.62
7.66
75
3.40
ROTE%
6.57
8.98
9.94
7.64
10.57
12.00
9.61
6.70
8.20
10.75
28.78
9.61
9.30
11
4.57
Return on equity%
8.35
10.77
8.98
8.49
10.30
8.78
9.61
9.09
8.76
6.63
23.40
8.78
8.88
23
10.18
Return on assets%
19.07
20.25
21.37
22.36
23.95
26.57
27.55
28.72
26.13
24.30
17.44
26.57
24.12
94
0.32
EPS$
1.17
1.18
1.17
1.27
1.29
1.22
1.11
1.00
1.00
0.98
0.35
(5.50%)
(1.61%)
—
13.84
EPS growth%
13.85
15.82
13.00
14.38
16.61
14.16
12.83
10.72
13.43
11.40
25.37
12.83
13.64
78
1.59
Bookvalue per sh$
1.36
1.18
1.04
1.07
1.02
0.87
0.94
0.90
0.86
0.91
1.04
(2.40%)
(5.55%)
—
0.38
TBV/sh$
1.25
1.24
1.22
1.19
1.37
1.52
1.54
1.65
1.57
1.78
1.09
5.40%
4.91%
—
0.27
Dividend per sh$
1.84
2.01
2.19
2.32
2.40
2.67
3.09
3.00
2.89
2.80
0.53
3.14%
4.52%
—
27.17
Div yield (avg)%
0.48
0.40
3.10
5.16
3.35
3.16
1.14
0.40
3.31
2.46
14.63
2.46
2.78
18
2.56
Payout ratio%
24.50
24.67
21.88
19.22
21.62
21.06
18.31
21.21
18.46
17.00
21.36
18.46
21.13
34
9.095
Shares (diluted)M
9.228
10.29
10.60
11.02
12.18
13.07
14.06
13.54
13.24
13.07
8.822
1.42%
3.44%
64
10.88
Buyback yield%
24.76
22.66
22.69
23.85
22.06
21.18
21.94
24.21
24.03
23.82
19.75
23.82
23.26
9
22.71
Eq/Assets%
41.06
41.50
44.91
49.72
46.51
50.50
48.87
52.36
59.49
67.67
128.61
52.36
49.30
15
21.46
Assets$M
31.28
33.43
36.57
39.89
42.70
46.59
50.21
55.64
60.03
62.51
5.444
7.92%
8.32%
80
10.06
LT debt$M
13.87
14.88
12.72
11.34
11.44
10.49
9.476
8.456
7.654
7.518
9.695
(8.06%)
(5.13%)
57
Total assets
$62.51M
8.32%
1.34×
Revenue
$28.43M
5.23%
1.00×
Non-interest expense
$13.78M
5.14%
0.99×
Net interest income
78.87%
Non-interest income
21.13%
Spread over hurdle
44.09%