4.978
Revenue$M
22.79
24.80
26.61
29.15
31.26
33.37
35.01
37.30
40.59
42.88
5.238
6.53%
7.44%
58
2.90
Revenue growth%
14.45
16.79
14.22
15.72
17.32
18.43
20.09
19.28
18.89
17.89
25.08
18.89
17.61
21
11.49
NIM%
5.57
7.34
9.21
7.67
8.28
9.19
11.37
10.15
8.46
8.49
6.57
9.19
8.48
64
6.46
Effic. R.%
3.29
0.40
1.72
0.79
2.47
1.11
1.48
0.51
3.34
4.74
15.78
1.48
1.60
89
26.05
Net margin%
2.91
3.02
2.05
0.40
0.40
0.40
0.40
1.42
0.40
2.64
2.85
0.40
0.91
19
20.22
P/E ratio (avg)x
26.81
25.13
24.06
27.06
27.60
29.03
29.85
33.49
32.84
33.70
18.71
32.84
28.32
68
34.15
P/TBVx
30.43
30.65
33.69
32.15
32.99
31.01
33.62
36.30
41.53
44.23
29.83
36.30
33.31
71
10.67
P/Bx
44.59
41.76
40.42
40.51
45.29
41.78
41.59
43.47
42.48
43.08
36.15
42.48
42.13
9
8.543
NII$M
16.14
17.51
19.13
20.86
22.54
23.43
25.04
26.76
28.69
30.29
15.30
6.10%
7.49%
—
25.21
NII grth%
22.00
19.78
20.54
18.51
18.44
15.69
16.36
18.60
16.59
14.35
29.54
16.36
18.47
20
5.48
ROTE%
19.56
17.46
19.17
17.11
15.52
13.87
15.28
17.91
15.92
14.58
8.70
15.28
16.52
60
19.93
Return on equity%
25.05
24.03
21.31
19.85
17.21
14.50
15.56
17.68
18.44
20.02
22.61
17.68
19.15
55
14.42
Return on assets%
0.87
0.40
0.40
1.75
4.25
5.55
3.25
1.37
1.69
4.06
29.32
3.25
1.72
52
1.90
EPS$
1.60
1.85
1.78
2.09
2.37
2.56
2.44
2.38
2.72
2.83
2.10
3.63%
5.32%
—
28.12
EPS growth%
4.15
1.29
3.06
3.91
5.48
5.99
3.66
6.23
3.93
6.47
7.62
5.99
4.04
32
1.54
Bookvalue per sh$
1.16
1.20
1.17
1.23
1.27
1.49
1.41
1.64
1.91
2.00
2.85
9.48%
7.23%
—
1.06
TBV/sh$
1.87
1.73
1.59
1.43
1.45
1.52
1.51
1.61
1.57
1.66
2.15
2.69%
(0.91%)
—
0.62
Dividend per sh$
0.45
0.44
0.49
0.45
0.49
0.46
0.43
0.44
0.45
0.40
2.00
(4.07%)
(0.83%)
—
21.67
Div yield (avg)%
25.97
24.90
24.97
23.66
23.77
21.24
22.69
23.01
20.43
23.16
20.81
22.69
23.41
16
5.72
Payout ratio%
9.45
7.14
8.39
5.89
6.22
4.54
4.07
4.88
6.01
4.98
9.46
4.88
5.95
33
7.883
Shares (diluted)M
9.226
9.933
11.18
11.09
12.24
11.06
10.43
10.67
9.746
9.215
8.005
(5.51%)
1.08%
26
2.63
Buyback yield%
26.39
27.01
28.51
30.05
29.37
28.62
26.20
28.58
26.61
27.81
15.47
27.81
28.16
86
164.75
Eq/Assets%
14.03
15.54
15.76
15.82
17.64
17.85
17.47
18.53
17.67
19.03
129.79
17.85
17.55
46
15.73
Assets$M
63.96
67.72
77.87
81.49
85.07
94.58
103.4
106.0
117.4
123.4
10.01
7.73%
7.40%
66
34.53
LT debt$M
23.22
25.42
27.12
29.20
27.09
28.86
29.38
31.70
33.94
30.86
25.34
2.64%
2.17%
39
Total assets
$123.4M
7.40%
1.00×
Revenue
$42.88M
7.44%
1.00×
Non-interest expense
$24.38M
7.22%
0.98×
Net interest income
70.64%
Non-interest income
29.36%