46.43
Revenue$M
33.91
36.60
38.40
41.52
45.01
48.45
52.56
56.91
60.58
65.13
49.14
7.67%
7.30%
65
29.92
Revenue growth%
23.63
25.99
27.07
26.15
26.93
29.18
31.70
29.59
29.50
28.05
22.59
29.50
27.56
26
18.76
NIM%
9.11
10.94
10.48
12.48
12.06
13.97
16.81
16.82
17.83
19.50
9.03
16.82
13.22
86
26.60
Effic. R.%
1.08
1.15
0.40
2.47
1.89
3.98
6.50
5.35
6.79
9.65
6.26
6.50
3.23
50
15.65
Net margin%
13.87
15.29
13.61
11.00
9.88
8.94
10.70
9.73
10.75
10.09
20.28
10.09
10.73
51
35.60
P/E ratio (avg)x
38.97
37.73
36.32
40.40
46.52
45.52
51.50
54.08
57.23
63.08
15.52
54.08
46.02
61
19.26
P/TBVx
22.89
22.69
24.29
23.38
21.38
23.01
24.39
23.25
25.77
23.02
14.92
23.25
23.13
45
32.62
P/Bx
21.06
23.45
22.27
20.54
22.17
22.45
22.53
20.98
20.82
20.93
27.65
20.98
21.61
27
48.06
NII$M
21.51
23.00
24.05
25.96
28.55
30.53
32.42
35.76
38.21
40.92
42.89
7.46%
7.44%
—
4.86
NII grth%
18.38
19.29
17.16
17.34
19.43
18.76
20.81
23.27
23.38
21.00
18.10
21.00
19.36
21
21.93
ROTE%
11.82
13.30
13.13
15.94
17.49
15.15
12.90
13.46
12.42
11.11
20.54
12.90
13.21
6
3.46
Return on equity%
5.05
5.82
5.50
4.03
6.34
5.62
7.25
8.17
8.38
5.89
19.88
7.25
5.86
41
20.68
Return on assets%
0.40
3.37
2.39
4.45
1.64
0.52
3.00
2.17
3.63
5.14
3.60
3.00
2.69
34
2.74
EPS$
3.27
3.46
3.59
3.47
3.01
3.13
3.21
2.82
2.49
2.60
2.89
(2.85%)
(3.46%)
—
23.07
EPS growth%
28.33
26.10
25.51
26.45
27.56
28.84
29.42
27.68
28.90
27.80
27.73
28.84
27.74
12
6.62
Bookvalue per sh$
7.87
8.49
8.48
7.87
8.31
9.15
9.26
10.12
8.99
8.02
4.68
(0.71%)
0.21%
—
5.50
TBV/sh$
2.97
3.42
3.73
3.74
4.18
4.96
5.18
5.55
6.32
7.45
6.55
12.25%
9.30%
—
3.20
Dividend per sh$
6.98
6.57
6.42
6.23
6.87
6.60
6.33
5.93
6.59
7.06
1.97
0.54%
0.45%
—
23.97
Div yield (avg)%
25.61
27.96
29.14
26.91
28.14
28.30
28.03
28.91
31.28
32.45
7.94
28.91
28.22
80
25.98
Payout ratio%
13.64
10.85
10.60
10.01
10.11
10.84
9.66
11.41
10.70
12.02
3.70
10.84
10.77
67
7.772
Shares (diluted)M
15.50
17.90
19.99
21.23
24.63
24.36
25.89
25.54
26.43
31.02
7.748
4.72%
8.42%
32
23.52
Buyback yield%
8.95
10.18
8.16
6.66
9.49
10.66
12.35
14.55
11.58
9.80
10.39
11.58
9.99
10
126.97
Eq/Assets%
172.88
155.77
173.32
195.72
191.02
199.08
206.58
202.62
208.94
232.00
30.75
206.58
197.40
85
42.70
Assets$M
176.9
184.1
194.0
209.6
227.5
258.5
280.7
307.6
339.1
375.9
17.68
10.57%
8.64%
67
14.61
LT debt$M
15.48
15.65
17.66
19.93
19.47
19.77
19.21
21.29
22.33
25.05
4.105
5.17%
5.97%
48
Total assets
$375.9M
8.64%
1.13×
Revenue
$65.13M
7.30%
1.00×
Non-interest expense
$33.24M
7.62%
1.03×
Net interest income
62.83%
Non-interest income
37.17%
Spread over hurdle
10.51%