55.11
Revenue$M
62.80
64.58
65.48
67.97
71.63
74.79
77.49
80.91
84.42
89.16
59.53
4.48%
4.10%
77
14.82
Revenue growth%
5.63
7.35
6.38
4.63
3.18
5.03
7.79
8.90
9.49
11.60
24.64
8.90
6.87
66
23.14
NIM%
24.24
25.98
28.97
27.41
29.45
29.20
31.55
30.26
31.25
30.43
9.87
30.43
29.32
81
13.38
Effic. R.%
23.83
21.29
24.05
22.46
24.56
24.60
22.30
24.15
26.24
23.97
8.10
24.15
24.01
56
11.19
Net margin%
22.23
22.56
24.89
24.54
22.69
21.71
21.92
20.51
17.54
17.53
17.69
20.51
22.07
61
23.00
P/E ratio (avg)x
6.043
6.456
6.036
6.017
5.461
5.356
4.850
4.939
5.214
4.938
30.68
4.939
5.409
20
9.582
P/TBVx
35.92
36.24
39.37
35.45
36.86
41.21
37.31
36.11
39.60
39.06
13.96
39.06
37.08
80
13.37
P/Bx
17.63
19.34
22.75
26.02
28.99
29.96
30.75
37.24
45.00
49.53
23.84
37.24
29.47
65
16.43
NII$M
49.21
51.56
51.56
53.35
56.79
59.30
61.68
63.02
66.54
71.18
68.03
4.62%
4.24%
—
21.46
NII grth%
5.75
6.53
8.96
10.49
8.91
10.21
7.91
8.52
10.50
8.91
2.87
8.91
8.91
91
28.67
ROTE%
14.32
14.02
13.71
15.30
14.33
11.67
13.48
15.38
13.54
14.41
6.95
13.54
14.17
54
19.12
Return on equity%
8.87
9.64
11.76
10.27
12.69
11.09
11.69
9.29
11.84
12.70
28.35
11.69
11.39
7
12.24
Return on assets%
21.48
24.24
24.19
25.97
26.64
25.71
26.61
27.40
28.12
30.51
24.08
27.40
26.29
36
1.47
EPS$
1.04
1.18
1.38
1.40
1.48
1.53
1.78
1.89
2.00
2.36
1.63
9.82%
10.63%
—
18.86
EPS growth%
13.16
12.83
14.80
15.05
15.90
18.03
17.45
15.70
15.49
13.13
10.63
15.70
15.27
78
1.96
Bookvalue per sh$
3.97
4.35
4.02
4.26
4.04
4.46
5.06
5.38
4.98
5.66
2.05
6.99%
3.66%
—
2.58
TBV/sh$
3.34
3.48
3.91
4.60
5.04
5.46
5.22
5.65
5.41
5.56
1.23
1.99%
4.93%
—
1.38
Dividend per sh$
2.44
2.34
2.59
2.52
2.38
2.67
2.99
2.89
3.19
3.57
0.68
8.41%
5.19%
—
8.01
Div yield (avg)%
0.40
3.29
0.46
0.40
0.40
2.58
5.41
6.98
6.49
4.55
18.76
5.41
2.93
79
15.58
Payout ratio%
10.68
11.18
10.59
11.96
13.47
14.49
15.87
16.94
19.17
19.66
7.58
16.94
13.98
56
11.47
Shares (diluted)M
16.98
15.39
14.28
14.36
13.29
12.10
11.64
11.10
11.29
11.23
10.94
(3.31%)
(3.24%)
32
13.55
Buyback yield%
10.19
9.67
11.58
12.05
14.45
11.84
11.38
10.50
11.17
10.73
13.72
11.17
11.27
90
10.86
Eq/Assets%
94.68
100.08
97.80
98.10
101.62
95.85
101.13
96.80
102.48
108.46
141.14
101.13
99.09
73
62.69
Assets$M
36.18
39.26
42.23
46.00
50.11
53.83
58.61
60.69
66.47
73.99
72.23
8.10%
8.68%
7
6.431
LT debt$M
49.79
52.44
51.94
55.56
56.84
57.57
68.17
71.05
79.95
92.17
34.49
10.15%
6.66%
17
Total assets
$73.99M
8.68%
1.54×
Revenue
$89.16M
4.10%
1.00×
Non-interest expense
$52.32M
4.04%
0.99×
Net interest income
79.84%
Non-interest income
20.16%