17.70
Revenue$M
9.544
10.17
11.24
12.25
13.35
14.19
15.52
16.96
18.47
19.95
19.67
8.37%
8.73%
50
2.45
Revenue growth%
20.06
21.04
21.87
23.08
23.11
24.48
22.17
19.37
22.07
24.36
4.22
22.17
22.12
40
15.57
NIM%
21.18
19.85
21.78
22.59
23.09
23.38
24.73
23.79
25.90
24.62
22.79
24.62
23.24
59
14.44
Effic. R.%
2.66
3.92
2.75
3.41
0.96
2.45
2.90
5.51
3.05
1.21
13.21
2.90
2.82
60
27.41
Net margin%
20.90
22.05
19.85
20.28
17.96
15.19
12.77
15.36
14.27
12.28
2.86
14.27
16.66
73
19.30
P/E ratio (avg)x
14.88
14.68
13.59
12.00
12.78
11.57
11.14
10.93
11.43
11.80
22.90
11.43
11.90
75
31.74
P/TBVx
24.50
27.22
29.80
28.23
29.40
29.72
31.01
31.15
33.29
32.35
9.156
31.15
29.76
59
12.71
P/Bx
48.26
53.85
54.38
58.69
59.28
64.40
69.94
71.82
67.38
72.35
16.59
69.94
61.84
74
3.553
NII$M
5.475
5.992
6.593
7.185
7.624
8.234
8.889
9.871
10.76
11.76
1.988
9.06%
8.74%
—
9.57
NII grth%
25.05
26.01
25.99
26.60
25.15
26.45
27.11
27.40
28.89
27.82
2.48
27.40
26.53
60
25.26
ROTE%
11.09
8.26
7.95
5.11
8.02
8.56
10.00
7.40
8.62
10.41
18.07
8.62
8.41
44
10.60
Return on equity%
24.73
22.07
23.39
26.21
25.73
23.13
20.38
20.80
22.78
22.48
15.27
22.48
22.96
8
9.89
Return on assets%
11.54
12.82
11.11
9.48
7.93
10.59
11.65
10.37
10.83
12.43
4.21
10.83
10.97
50
0.31
EPS$
0.61
0.58
0.66
0.72
0.76
0.82
0.88
0.83
0.89
0.86
0.33
2.57%
4.78%
—
7.57
EPS growth%
27.59
30.18
27.26
27.02
29.82
27.09
24.80
24.95
27.31
25.80
15.33
25.80
27.17
42
1.46
Bookvalue per sh$
0.52
0.54
0.50
0.54
0.54
0.49
0.48
0.48
0.52
0.55
1.35
0.14%
(0.06%)
—
0.74
TBV/sh$
0.44
0.49
0.51
0.49
0.52
0.52
0.55
0.50
0.48
0.43
1.57
(3.88%)
(0.01%)
—
1.51
Dividend per sh$
0.21
0.19
0.17
0.17
0.15
0.13
0.13
0.14
0.14
0.15
0.25
(0.67%)
(3.74%)
—
23.20
Div yield (avg)%
0.40
2.83
3.36
4.89
7.56
9.86
10.92
12.53
12.17
9.93
17.32
10.92
8.71
71
20.35
Payout ratio%
10.16
9.93
12.61
15.22
16.36
15.39
17.78
15.78
13.30
15.72
18.98
15.72
15.31
56
5.234
Shares (diluted)M
4.789
4.893
4.318
4.125
4.014
3.963
3.833
3.343
3.175
2.961
5.105
(5.91%)
(4.21%)
62
21.57
Buyback yield%
17.73
15.67
16.94
19.65
18.66
19.36
21.27
21.54
20.03
18.85
24.44
20.03
19.10
84
48.59
Eq/Assets%
134.46
154.04
168.96
189.68
201.94
202.38
206.15
214.22
228.77
217.89
39.84
214.22
202.16
67
15.68
Assets$M
7.293
7.774
8.148
8.813
9.983
10.91
12.10
13.07
14.22
15.05
12.12
8.55%
8.47%
41
7.178
LT debt$M
4.690
4.185
4.403
4.294
3.863
4.062
4.370
4.588
4.549
4.736
5.964
4.16%
0.22%
67
Total assets
$15.05M
8.47%
0.98×
Revenue
$19.95M
8.73%
1.00×
Non-interest expense
$10.65M
8.65%
0.99×
Net interest income
58.96%
Non-interest income
41.04%