11.02
Revenue$M
25.57
27.48
29.49
30.84
32.74
34.86
36.56
38.26
41.05
42.46
11.41
5.34%
5.77%
19
25.11
Revenue growth%
20.23
17.81
17.15
18.81
20.35
17.47
15.07
14.66
13.38
11.62
15.97
14.66
17.31
35
28.13
NIM%
31.77
29.83
29.31
30.47
31.59
33.64
34.03
32.35
31.27
32.86
8.26
32.86
31.68
43
9.84
Effic. R.%
10.24
10.02
7.66
5.86
7.47
9.77
8.85
6.71
6.19
6.75
5.74
6.75
7.56
7
18.93
Net margin%
24.08
24.35
22.60
22.43
25.11
24.50
27.48
28.10
30.22
29.26
3.75
28.10
24.81
17
34.71
P/E ratio (avg)x
14.04
14.21
15.88
16.95
18.05
20.32
23.32
27.27
26.52
30.00
24.70
26.52
19.19
82
14.73
P/TBVx
24.67
22.67
25.22
22.21
24.45
25.49
22.99
23.45
24.28
24.48
19.84
24.28
24.36
51
25.98
P/Bx
24.05
23.37
20.26
21.88
21.54
21.21
18.82
19.05
19.91
17.69
30.70
19.05
20.73
77
30.43
NII$M
17.40
18.32
19.78
20.59
22.26
23.61
24.71
26.02
27.32
28.56
30.56
5.11%
5.85%
—
20.36
NII grth%
29.47
28.63
27.10
25.83
24.39
25.79
23.21
22.90
21.81
19.83
17.98
22.90
25.09
35
18.55
ROTE%
16.67
19.31
17.73
16.55
14.58
12.52
13.70
15.23
16.22
17.28
29.31
15.23
16.38
27
25.57
Return on equity%
8.01
5.75
8.45
7.33
8.96
7.45
10.31
7.36
6.85
4.29
16.24
7.36
7.40
10
15.10
Return on assets%
23.38
26.01
28.76
31.41
34.01
34.39
35.69
32.93
34.64
34.21
4.55
34.39
33.47
88
2.02
EPS$
4.23
4.90
5.36
6.32
7.02
6.95
7.34
8.38
8.31
9.82
2.25
6.94%
9.17%
—
27.90
EPS growth%
15.51
16.41
18.67
18.68
18.16
19.05
17.69
17.15
15.78
15.29
22.61
17.15
17.42
86
1.01
Bookvalue per sh$
1.36
1.40
1.32
1.31
1.35
1.23
1.19
1.21
1.07
0.99
3.52
(6.04%)
(3.84%)
—
2.38
TBV/sh$
5.86
6.87
8.07
8.25
9.00
8.58
9.40
11.11
12.57
14.37
1.04
9.82%
9.71%
—
1.50
Dividend per sh$
1.77
1.94
2.27
2.23
2.19
2.42
2.37
2.45
2.60
2.83
1.42
5.23%
5.51%
—
19.32
Div yield (avg)%
10.53
12.15
12.92
13.31
14.39
14.59
14.99
13.85
13.70
16.55
14.53
14.59
13.77
85
22.65
Payout ratio%
16.85
14.02
16.68
16.92
19.74
18.25
17.23
18.23
19.61
16.73
22.13
18.23
17.08
68
4.266
Shares (diluted)M
5.368
5.293
5.086
5.215
5.058
5.400
5.596
6.221
7.017
7.801
4.387
9.05%
3.69%
58
15.94
Buyback yield%
10.43
8.89
8.87
8.30
6.42
5.50
6.90
5.00
4.73
3.36
19.96
5.00
6.66
16
139.74
Eq/Assets%
40.99
41.22
44.94
48.28
52.58
59.22
59.83
60.13
60.66
67.76
112.01
60.13
55.90
36
18.22
Assets$M
7.091
7.841
8.282
8.962
9.853
11.26
12.10
12.86
14.24
15.34
1.997
9.26%
8.65%
67
5.847
LT debt$M
22.69
22.43
26.55
25.85
28.34
31.80
36.28
40.60
42.38
41.56
2.144
7.96%
7.95%
44
Total assets
$15.34M
8.65%
1.31×
Revenue
$42.46M
5.77%
1.00×
Non-interest expense
$21.26M
5.89%
1.01×
Net interest income
67.27%
Non-interest income
32.73%
Return on capital
274.56%