9.318
Revenue$M
32.70
35.73
38.88
40.89
44.81
48.08
52.79
56.77
62.33
66.96
9.624
8.36%
8.00%
74
4.42
Revenue growth%
28.58
26.08
25.66
27.11
25.18
25.65
27.61
25.00
22.79
22.13
3.39
25.00
25.65
66
28.32
NIM%
27.93
26.94
24.73
24.89
25.60
23.29
24.01
25.98
23.09
22.21
3.50
23.29
24.81
88
9.52
Effic. R.%
9.90
11.48
13.07
12.89
15.63
14.40
16.49
16.35
18.15
17.67
25.27
16.49
15.01
53
27.02
Net margin%
5.04
6.70
7.49
7.20
10.13
12.00
12.89
10.30
12.79
10.30
21.11
12.00
10.21
28
13.53
P/E ratio (avg)x
18.43
19.99
19.17
18.97
20.06
20.36
21.39
23.29
23.99
23.78
37.75
23.29
20.21
36
22.51
P/TBVx
27.72
27.71
27.35
32.15
34.14
40.90
46.02
50.77
52.77
54.28
36.31
50.77
37.52
31
33.84
P/Bx
45.10
43.86
45.76
46.91
54.28
57.61
67.89
71.64
69.13
74.09
27.39
69.13
55.94
17
49.19
NII$M
18.93
20.83
22.67
23.51
26.04
28.06
30.80
33.45
36.65
39.30
67.92
8.58%
8.10%
—
10.79
NII grth%
3.08
0.76
0.40
0.40
0.40
0.73
1.77
1.62
3.34
6.06
21.95
1.77
1.19
58
3.67
ROTE%
27.93
25.15
25.95
28.28
29.99
29.32
26.98
24.17
25.82
25.41
2.62
25.82
26.46
44
26.47
Return on equity%
8.95
8.53
6.59
6.76
4.77
7.50
7.43
8.57
6.15
7.99
3.57
7.50
7.46
23
28.77
Return on assets%
24.66
22.68
20.62
20.75
18.71
19.70
18.61
20.31
17.70
16.44
3.02
18.61
20.01
28
1.32
EPS$
1.09
1.16
1.19
1.21
1.23
1.10
1.02
0.99
1.04
0.98
1.46
(4.39%)
(1.82%)
—
29.23
EPS growth%
30.37
29.12
29.17
29.74
31.56
30.67
32.99
32.63
33.11
33.65
24.09
32.99
31.12
25
0.48
Bookvalue per sh$
1.33
1.37
1.46
1.49
1.38
1.56
1.68
1.81
1.76
1.70
1.41
4.23%
1.51%
—
0.90
TBV/sh$
0.42
0.37
0.38
0.38
0.37
0.35
0.36
0.36
0.31
0.34
0.50
(1.81%)
(2.12%)
—
0.53
Dividend per sh$
2.02
2.01
2.16
2.35
2.25
2.06
1.84
2.03
1.88
1.89
0.53
(3.41%)
(0.18%)
—
23.17
Div yield (avg)%
1.85
0.40
1.92
3.54
5.44
2.53
1.61
1.39
4.01
1.71
7.34
1.71
1.88
34
27.27
Payout ratio%
34.06
35.61
36.03
35.95
38.58
41.03
43.56
45.76
48.16
49.40
22.33
45.76
39.80
10
17.69
Shares (diluted)M
13.40
11.73
10.82
9.871
9.142
9.187
9.875
10.11
10.83
10.52
17.85
2.85%
(1.56%)
42
11.27
Buyback yield%
10.96
13.26
15.75
14.33
13.43
12.88
10.34
10.32
9.74
11.01
3.13
10.34
11.95
76
154.42
Eq/Assets%
151.15
149.59
149.36
143.28
137.66
140.66
155.40
177.13
189.83
199.52
82.75
177.13
150.37
75
76.52
Assets$M
70.25
76.06
82.39
87.09
99.46
106.5
114.3
130.7
139.8
150.8
71.17
8.68%
8.36%
86
6.189
LT debt$M
83.41
89.97
91.88
87.93
97.29
111.3
108.8
118.1
140.8
167.0
73.21
11.41%
8.81%
59
Total assets
$150.8M
8.36%
1.03×
Revenue
$66.96M
8.00%
1.00×
Non-interest expense
$40.12M
8.00%
1.00×
Net interest income
58.70%
Non-interest income
41.30%