16.22
Revenue$M
38.64
42.49
46.27
50.68
54.74
59.48
65.33
69.77
76.36
82.29
17.08
8.49%
8.70%
28
6.14
Revenue growth%
12.93
14.74
15.05
16.94
15.42
12.52
10.25
7.96
6.23
3.48
5.22
7.96
12.73
86
25.40
NIM%
26.11
24.42
25.01
27.02
28.49
26.27
25.06
26.64
24.49
25.12
5.47
25.12
25.62
35
13.32
Effic. R.%
26.21
25.80
24.33
23.77
23.09
21.23
18.76
20.25
21.25
23.03
16.17
21.23
23.06
15
3.53
Net margin%
12.47
14.70
16.04
16.42
18.23
17.98
19.33
18.85
19.94
18.54
12.25
18.85
18.10
27
32.66
P/E ratio (avg)x
18.46
17.56
18.22
18.84
16.67
16.66
17.96
17.62
18.19
16.94
16.25
17.62
17.79
29
37.45
P/TBVx
10.08
9.992
10.15
10.42
11.27
10.63
10.85
10.81
12.04
10.96
19.70
10.85
10.72
8
6.841
P/Bx
45.34
50.08
55.42
59.66
62.00
62.79
71.11
72.20
81.54
93.23
17.53
72.20
62.39
62
26.02
NII$M
29.35
32.61
35.15
38.41
41.60
45.46
50.11
53.58
57.19
62.43
27.21
8.46%
8.62%
—
29.57
NII grth%
26.25
27.31
27.98
26.38
24.67
25.06
25.03
27.56
26.17
24.14
9.17
25.06
26.21
28
29.03
ROTE%
23.50
26.38
23.89
24.69
24.03
23.95
25.85
28.13
29.53
28.62
9.24
28.13
25.27
82
18.63
Return on equity%
14.95
17.73
15.22
18.07
18.95
17.03
15.47
12.72
12.17
11.77
28.60
12.72
15.35
93
18.73
Return on assets%
28.57
30.40
29.66
32.15
33.92
31.21
33.52
36.12
37.00
36.41
5.02
36.12
32.84
33
1.80
EPS$
2.94
2.88
3.16
3.27
2.95
2.88
2.70
2.40
2.15
1.93
1.98
(8.16%)
(3.76%)
—
2.40
EPS growth%
23.49
22.50
20.04
20.72
21.84
23.62
23.58
23.99
26.92
28.70
7.27
23.99
23.54
37
7.90
Bookvalue per sh$
2.61
2.61
2.54
3.03
3.14
3.35
3.23
3.65
4.06
4.67
7.85
8.24%
6.57%
—
3.53
TBV/sh$
7.82
8.26
9.01
10.39
11.31
11.77
14.21
14.81
17.32
18.49
5.01
10.34%
9.83%
—
6.89
Dividend per sh$
1.94
1.88
1.75
1.68
1.60
1.47
1.36
1.52
1.47
1.54
7.93
(0.80%)
(2.46%)
—
18.41
Div yield (avg)%
1.79
0.40
1.03
0.40
1.07
0.40
0.40
0.40
2.34
1.12
9.20
0.40
0.72
54
21.36
Payout ratio%
13.85
16.23
14.77
14.11
17.02
14.45
13.50
15.01
17.08
19.27
16.12
15.01
14.89
35
7.767
Shares (diluted)M
4.383
4.546
4.568
3.882
3.804
3.433
3.565
3.394
2.935
2.977
7.746
(4.79%)
(4.32%)
47
12.29
Buyback yield%
1.41
2.05
1.97
2.41
2.03
2.70
1.15
3.46
4.63
2.32
18.50
2.70
2.18
9
54.56
Eq/Assets%
115.91
113.35
109.46
103.99
94.88
89.47
83.41
92.09
96.48
97.90
68.05
92.09
97.19
59
51.69
Assets$M
32.99
35.03
36.62
39.58
43.07
45.11
49.22
53.04
54.80
59.66
7.820
6.74%
6.92%
69
14.12
LT debt$M
30.99
27.47
29.95
26.83
26.12
23.34
25.57
27.32
24.44
26.81
46.82
0.52%
(2.15%)
92
Total assets
$59.66M
6.92%
0.85×
Revenue
$82.29M
8.70%
1.00×
Non-interest expense
$48.57M
8.58%
0.99×
Net interest income
75.86%
Non-interest income
24.14%
Spread over hurdle
84.86%