22.14
Revenue$M
34.27
35.84
38.02
39.86
41.42
42.71
43.78
46.17
47.89
48.78
23.54
3.33%
4.01%
90
17.62
Revenue growth%
23.53
20.94
22.13
21.41
19.20
18.51
15.65
17.21
18.92
16.66
2.32
17.21
19.06
74
24.93
NIM%
25.50
25.49
22.77
23.83
26.20
23.41
21.13
21.16
18.98
19.96
20.20
21.13
23.09
16
18.23
Effic. R.%
22.47
24.46
21.65
20.30
23.16
20.71
22.54
20.01
22.11
21.18
4.09
21.18
21.88
49
6.62
Net margin%
22.49
20.79
18.87
20.16
22.93
22.56
21.88
19.09
16.81
17.33
3.30
19.09
20.48
50
25.33
P/E ratio (avg)x
21.16
21.60
20.62
23.74
24.65
23.73
27.01
26.14
27.47
30.61
28.36
27.01
24.19
43
33.09
P/TBVx
21.20
22.29
23.74
24.35
24.48
25.93
29.59
31.82
34.40
34.00
18.55
31.82
25.20
76
11.40
P/Bx
11.00
11.74
13.57
13.41
13.13
14.57
16.04
17.53
19.31
20.08
10.75
17.53
14.07
54
11.73
NII$M
19.45
20.29
21.35
22.51
23.83
24.18
25.15
25.97
27.48
27.13
43.51
2.63%
3.72%
—
10.68
NII grth%
5.20
4.10
5.56
5.15
6.21
7.56
5.80
3.89
2.45
0.40
12.30
3.89
5.17
27
10.50
ROTE%
34.19
34.90
32.58
32.48
34.22
35.00
36.31
33.58
35.13
36.42
6.63
35.13
34.56
81
25.02
Return on equity%
6.27
6.95
8.11
5.70
5.94
7.35
8.31
7.66
7.21
8.69
20.98
7.66
7.28
64
9.91
Return on assets%
3.49
0.72
3.69
0.77
0.40
1.52
1.13
0.40
0.40
0.40
6.77
0.40
0.75
63
5.40
EPS$
4.82
4.59
4.18
4.17
3.89
3.48
3.33
3.26
3.31
3.19
5.83
(3.90%)
(4.45%)
—
2.40
EPS growth%
16.96
15.06
14.45
12.29
11.41
11.32
9.38
7.91
7.51
8.50
12.16
8.50
11.37
50
5.60
Bookvalue per sh$
7.15
7.13
8.02
8.73
9.92
10.70
11.58
11.16
11.94
11.27
6.61
2.59%
5.95%
—
2.14
TBV/sh$
2.20
2.14
2.07
1.92
1.71
1.77
1.78
1.93
2.11
2.36
5.68
6.73%
1.59%
—
2.82
Dividend per sh$
5.41
5.86
6.37
6.50
5.60
4.89
5.20
5.46
5.07
5.13
2.40
(1.76%)
(1.81%)
—
26.16
Div yield (avg)%
24.59
25.64
28.34
26.38
26.32
24.82
22.71
22.02
22.55
24.79
21.39
22.71
24.81
59
8.92
Payout ratio%
5.49
8.44
6.85
9.69
8.43
7.28
6.75
9.59
9.50
6.79
14.47
7.28
7.86
12
13.61
Shares (diluted)M
18.65
22.44
26.29
31.32
32.68
36.96
43.62
48.28
57.10
59.94
13.52
12.90%
13.44%
41
6.35
Buyback yield%
6.89
4.58
6.89
4.23
5.77
4.82
4.57
4.82
7.08
9.48
25.41
4.82
5.29
54
59.60
Eq/Assets%
106.64
108.39
101.84
100.80
99.13
87.52
80.98
78.07
81.54
73.78
121.36
80.98
93.33
12
48.68
Assets$M
48.97
54.53
57.26
63.55
64.96
71.01
79.39
84.98
92.13
100.8
16.28
9.19%
8.16%
16
17.99
LT debt$M
12.60
13.65
12.73
12.78
11.53
11.51
10.60
10.08
9.592
9.992
54.76
(2.82%)
(2.95%)
27
Total assets
$100.8M
8.16%
1.48×
Revenue
$48.78M
4.01%
1.00×
Non-interest expense
$26.61M
4.03%
1.00×
Net interest income
55.61%
Non-interest income
44.39%
Spread over hurdle
36.18%