6.407
Revenue$M
9.602
9.940
10.22
10.46
10.46
10.49
10.43
10.74
10.83
11.14
6.636
1.27%
1.72%
45
27.07
Revenue growth%
19.14
16.78
15.30
13.33
14.21
11.48
9.59
12.31
10.07
11.71
8.91
11.48
12.82
51
22.45
NIM%
24.67
21.95
19.31
18.93
19.83
21.85
20.30
19.95
19.06
16.46
19.44
19.95
19.89
11
28.38
Effic. R.%
11.81
14.20
13.27
12.87
15.41
14.18
14.40
11.61
11.76
13.84
29.14
13.84
13.55
36
3.91
Net margin%
13.02
14.27
17.00
16.91
17.16
19.49
19.32
17.45
19.26
21.29
27.58
19.32
17.31
60
19.35
P/E ratio (avg)x
44.71
51.53
62.20
66.07
68.45
72.59
72.66
82.20
96.57
106.6
15.21
82.20
70.52
91
9.282
P/TBVx
10.09
11.04
11.34
10.20
11.24
10.03
9.977
10.90
11.20
10.93
8.341
10.90
10.91
10
10.13
P/Bx
4.896
4.760
4.404
3.996
3.521
3.110
3.100
2.695
2.898
2.716
11.72
2.898
3.316
21
8.669
NII$M
6.708
7.104
7.112
7.447
7.387
7.303
7.354
7.501
7.606
7.848
10.83
1.22%
1.72%
—
26.99
NII grth%
28.26
27.41
26.25
28.26
28.27
27.06
25.26
22.46
22.69
25.63
4.25
25.26
26.65
46
7.14
ROTE%
1.89
2.60
4.99
4.46
3.02
2.51
0.54
0.54
0.40
0.40
17.67
0.54
2.20
68
17.57
Return on equity%
21.82
23.48
22.16
21.13
22.30
19.38
20.29
19.54
17.00
19.29
19.56
19.38
20.71
44
2.91
Return on assets%
14.01
12.27
13.19
15.78
15.62
13.69
12.12
11.66
10.08
12.78
13.71
12.12
12.99
37
0.97
EPS$
0.58
0.59
0.69
0.75
0.87
0.99
1.13
1.08
1.16
1.30
1.08
8.34%
8.67%
—
9.11
EPS growth%
20.39
18.07
19.67
20.24
19.40
21.34
21.33
24.10
21.71
20.43
8.89
21.34
20.41
52
0.86
Bookvalue per sh$
0.43
0.48
0.46
0.48
0.56
0.62
0.64
0.59
0.64
0.63
0.37
2.48%
3.96%
—
1.01
TBV/sh$
0.98
1.07
1.06
1.13
1.28
1.21
1.17
1.29
1.34
1.42
0.82
2.02%
3.29%
—
0.31
Dividend per sh$
0.86
0.87
0.78
0.76
0.73
0.76
0.64
0.63
0.57
0.51
0.19
(6.99%)
(5.77%)
—
27.80
Div yield (avg)%
20.60
20.22
18.90
16.05
16.43
17.82
14.96
16.55
17.08
17.61
14.55
17.08
17.35
71
24.32
Payout ratio%
22.00
21.18
22.01
20.41
21.63
22.37
21.33
21.50
22.02
23.78
14.37
22.02
21.82
37
8.291
Shares (diluted)M
9.777
11.09
11.35
12.86
13.21
14.53
16.54
19.35
20.37
21.29
7.963
10.02%
8.32%
29
13.54
Buyback yield%
19.74
22.01
23.99
26.31
29.20
26.69
27.62
25.34
25.33
25.99
2.45
25.99
25.67
78
79.25
Eq/Assets%
106.34
109.89
126.35
129.21
126.62
142.67
159.69
171.52
205.50
234.23
111.71
171.52
135.94
87
5.443
Assets$M
12.23
13.65
14.22
15.20
16.30
17.65
18.54
20.68
22.84
25.08
11.43
9.00%
8.14%
26
11.45
LT debt$M
3.772
4.179
3.948
4.225
4.811
4.438
4.167
4.410
4.556
4.469
14.59
(1.46%)
2.64%
28
Total assets
$25.08M
8.14%
1.84×
Revenue
$11.14M
1.72%
1.00×
Non-interest expense
$5.393M
1.74%
1.00×
Net interest income
70.42%
Non-interest income
29.58%
Spread over hurdle
48.89%