2.056
Revenue$M
19.19
20.07
20.52
21.42
21.54
21.89
22.34
23.12
23.10
23.39
2.226
1.66%
2.21%
69
21.11
Revenue growth%
29.82
27.10
27.41
25.54
25.78
25.75
27.68
28.03
29.16
26.67
29.55
27.68
27.26
80
25.30
NIM%
13.83
12.34
14.06
14.50
11.94
9.71
8.86
6.94
6.54
4.38
22.84
6.94
10.83
73
17.32
Effic. R.%
13.06
15.81
17.45
16.65
14.97
17.34
14.91
14.16
14.38
13.83
9.78
14.38
14.94
80
27.52
Net margin%
27.10
25.97
25.11
23.07
22.19
20.59
20.65
18.03
16.27
18.31
28.87
18.31
21.42
80
7.039
P/E ratio (avg)x
7.052
6.450
6.719
7.030
6.930
7.302
7.151
6.495
6.204
5.928
37.77
6.495
6.825
38
27.10
P/TBVx
21.03
22.38
23.82
23.87
22.96
22.14
23.43
22.60
23.29
25.05
12.23
23.29
23.12
41
21.08
P/Bx
19.18
20.57
21.99
23.89
21.12
19.03
18.93
20.09
18.01
17.25
14.89
18.93
19.63
91
13.84
NII$M
12.25
12.57
12.81
13.56
13.64
13.68
13.84
14.59
14.29
14.51
12.02
1.24%
2.23%
—
28.92
NII grth%
3.62
3.24
0.58
3.37
4.74
6.35
7.45
7.60
7.61
9.40
2.55
7.60
5.55
6
8.09
ROTE%
10.54
9.09
7.70
10.21
11.96
10.88
12.50
12.09
11.30
10.38
19.01
11.30
10.71
17
24.62
Return on equity%
20.05
21.37
21.18
18.89
21.47
22.08
21.31
23.31
20.57
22.49
3.87
22.08
21.34
29
19.65
Return on assets%
19.70
21.92
21.54
18.72
20.55
18.48
19.05
19.89
20.86
23.66
21.31
19.89
20.22
44
0.83
EPS$
1.90
2.07
2.42
2.64
2.91
3.00
2.95
3.45
3.96
4.47
0.87
8.92%
9.63%
—
12.51
EPS growth%
28.81
28.80
29.62
29.88
30.25
27.49
27.82
27.37
28.09
27.43
2.71
27.49
28.44
54
2.82
Bookvalue per sh$
1.26
1.44
1.49
1.63
1.90
2.12
2.49
2.85
2.79
2.70
1.52
7.30%
9.67%
—
1.76
TBV/sh$
1.64
1.61
1.71
1.68
1.63
1.79
1.96
2.23
2.59
2.78
1.81
11.21%
4.77%
—
1.30
Dividend per sh$
2.10
2.22
2.24
2.46
2.76
2.57
2.66
2.99
2.79
2.98
3.15
1.53%
3.97%
—
15.48
Div yield (avg)%
26.12
23.85
21.15
19.84
21.44
19.70
17.75
19.84
20.35
22.90
4.52
19.84
20.75
15
22.97
Payout ratio%
22.29
20.01
18.39
20.43
23.29
23.95
25.98
28.27
29.00
28.20
28.35
28.20
23.62
89
2.993
Shares (diluted)M
4.274
4.668
4.537
4.739
4.619
5.406
5.597
5.485
6.285
7.169
3.066
9.19%
5.89%
91
25.38
Buyback yield%
18.09
15.55
15.72
17.97
19.73
17.77
19.90
22.17
20.97
21.36
21.50
20.97
18.91
10
137.75
Eq/Assets%
125.37
139.63
145.01
129.69
136.24
125.21
128.47
140.57
128.34
120.34
125.70
128.34
129.08
18
14.31
Assets$M
37.68
41.47
44.92
51.30
57.70
61.13
70.19
76.96
85.03
93.94
18.53
10.24%
10.14%
53
0.962
LT debt$M
12.68
12.41
11.63
12.32
13.31
14.05
14.22
12.64
13.08
13.20
10.68
(0.16%)
(0.41%)
47
Total assets
$93.94M
10.14%
2.11×
Revenue
$23.39M
2.21%
1.00×
Non-interest expense
$11.25M
2.11%
0.99×
Net interest income
62.02%
Non-interest income
37.98%