9.522
Revenue$M
24.64
25.43
26.19
26.04
26.73
27.29
28.37
28.98
29.93
29.85
9.836
2.23%
2.34%
30
23.38
Revenue growth%
18.44
21.18
20.29
18.92
20.19
21.46
21.95
22.81
21.56
24.28
14.51
21.95
21.32
85
11.48
NIM%
21.64
21.05
18.25
15.39
16.00
16.87
17.27
16.52
16.00
17.64
14.37
16.87
17.07
62
9.26
Effic. R.%
13.49
11.00
12.01
10.49
9.47
6.65
6.25
5.96
4.77
5.68
11.05
5.96
8.06
87
23.34
Net margin%
3.44
1.25
2.02
1.93
2.61
4.66
2.61
1.67
4.66
5.80
14.37
4.66
2.61
49
11.15
P/E ratio (avg)x
15.29
13.58
13.68
11.87
13.09
12.90
11.25
10.37
10.24
10.30
13.26
10.37
12.38
90
31.45
P/TBVx
14.48
14.81
15.18
18.09
21.61
24.72
25.78
26.76
28.93
29.07
24.22
26.76
23.17
17
14.57
P/Bx
13.84
14.74
16.16
18.72
19.29
19.32
23.22
24.38
27.49
28.96
21.41
24.38
19.31
66
35.75
NII$M
15.15
15.69
16.14
16.22
16.86
16.86
17.91
17.77
18.46
18.85
30.21
2.26%
2.35%
—
13.45
NII grth%
9.44
11.12
14.12
15.42
15.33
16.84
16.64
14.79
12.03
10.19
17.81
14.79
14.46
67
26.25
ROTE%
12.96
11.94
11.18
11.45
9.24
10.53
13.05
14.37
17.12
18.02
20.61
14.37
12.45
70
8.60
Return on equity%
15.62
15.55
14.46
15.06
17.16
14.41
11.84
10.71
11.76
13.42
13.90
11.84
14.44
81
4.45
Return on assets%
12.06
13.66
16.03
13.74
15.16
17.50
15.24
15.32
17.83
16.22
19.62
16.22
15.28
27
2.04
EPS$
3.36
3.56
4.03
4.29
4.29
4.78
5.26
4.76
4.48
4.87
2.25
2.60%
3.01%
—
2.73
EPS growth%
2.74
3.99
2.72
5.42
3.42
2.86
4.97
5.65
4.11
2.65
20.33
4.11
3.70
37
2.80
Bookvalue per sh$
2.36
2.09
1.93
1.80
1.86
1.96
1.98
2.05
1.96
1.74
2.88
(1.33%)
(3.28%)
—
4.46
TBV/sh$
2.96
2.89
2.65
2.53
2.34
2.40
2.44
2.70
2.88
3.16
1.04
6.26%
1.19%
—
2.40
Dividend per sh$
1.88
1.80
2.06
2.32
2.19
2.19
2.26
2.51
2.83
3.00
3.53
6.47%
6.07%
—
15.50
Div yield (avg)%
3.31
1.15
3.24
0.43
1.74
0.52
0.87
3.06
1.46
2.18
7.64
1.46
1.60
33
3.26
Payout ratio%
9.01
6.28
8.84
8.38
7.02
7.32
5.20
5.19
5.85
4.64
18.38
5.20
6.65
40
6.971
Shares (diluted)M
9.320
8.583
8.741
8.895
8.599
8.703
8.310
9.261
8.610
9.411
6.995
1.82%
0.69%
57
5.70
Buyback yield%
22.07
20.93
20.91
21.89
21.25
20.80
23.32
24.19
22.45
25.38
14.19
23.32
21.98
6
124.36
Eq/Assets%
247.16
289.04
296.35
304.75
299.38
332.00
377.32
428.18
507.80
593.92
56.21
428.18
318.38
7
2.875
Assets$M
53.35
55.16
62.05
67.72
72.72
81.06
86.71
93.23
106.3
110.6
25.49
8.75%
8.50%
45
20.09
LT debt$M
43.70
45.08
46.98
48.97
48.84
56.69
68.37
71.93
83.09
90.68
18.79
13.17%
8.52%
90
Total assets
$110.6M
8.50%
1.79×
Revenue
$29.85M
2.34%
1.00×
Non-interest expense
$15.78M
2.36%
1.00×
Net interest income
63.15%
Non-interest income
36.85%
Spread over hurdle
34.79%