26.30
Revenue$M
42.38
44.16
46.58
49.38
51.79
54.88
56.98
59.93
63.62
66.99
28.51
5.28%
5.41%
83
24.16
Revenue growth%
31.25
29.98
29.79
27.20
25.65
22.79
24.21
24.65
25.69
25.74
17.57
24.65
25.71
86
20.93
NIM%
21.76
23.60
21.06
18.65
19.26
19.60
20.22
22.21
20.52
20.58
8.48
20.52
20.55
60
29.10
Effic. R.%
9.60
11.75
8.88
8.12
7.71
9.95
8.21
10.56
11.91
13.52
29.02
10.56
9.78
73
4.85
Net margin%
28.06
28.95
30.24
29.94
27.40
27.32
28.86
29.91
28.05
25.71
10.20
28.05
28.46
21
7.070
P/E ratio (avg)x
20.21
20.27
24.21
25.63
25.13
24.70
25.26
29.31
33.86
36.12
22.39
29.31
25.19
77
33.97
P/TBVx
8.046
8.455
7.874
7.987
7.337
8.069
8.960
9.832
10.13
10.08
16.55
9.832
8.262
39
23.68
P/Bx
35.11
41.53
47.33
47.80
54.79
52.01
54.76
58.56
63.40
62.06
28.10
58.56
53.38
52
36.71
NII$M
26.44
27.22
29.08
30.13
31.99
33.54
34.71
36.93
39.27
41.98
50.96
5.59%
5.58%
—
23.33
NII grth%
16.22
14.71
17.57
17.61
18.55
16.42
15.04
16.84
19.42
17.70
18.51
16.84
17.21
46
13.97
ROTE%
22.48
24.54
24.31
26.91
27.27
24.90
25.58
23.26
25.02
22.20
22.08
24.90
24.72
5
15.16
Return on equity%
20.78
18.04
19.97
21.34
19.64
21.69
23.80
21.17
21.37
18.92
25.60
21.37
20.97
32
19.08
Return on assets%
5.63
7.29
7.38
4.65
5.00
5.91
8.77
8.34
11.07
13.47
25.79
8.77
7.34
76
0.93
EPS$
1.53
1.60
1.62
1.53
1.65
1.73
1.63
1.63
1.61
1.41
1.03
(3.10%)
(0.49%)
—
27.09
EPS growth%
32.96
34.56
31.68
33.16
30.66
28.49
30.45
30.43
29.39
31.70
17.10
30.43
31.17
29
0.70
Bookvalue per sh$
4.63
4.84
5.57
6.26
7.29
7.46
8.08
9.15
9.57
10.00
1.94
6.50%
9.65%
—
0.74
TBV/sh$
0.94
1.08
1.14
1.19
1.18
1.27
1.45
1.57
1.62
1.92
2.13
10.11%
7.10%
—
1.95
Dividend per sh$
1.89
2.07
1.90
1.96
2.18
2.23
2.15
2.01
1.80
1.88
0.45
(2.87%)
(0.89%)
—
26.84
Div yield (avg)%
10.12
11.68
9.59
10.87
11.79
11.22
9.10
7.00
8.06
5.26
28.44
8.06
9.86
23
25.81
Payout ratio%
26.63
29.17
26.48
27.74
28.29
27.55
26.15
26.05
27.25
27.45
23.24
27.25
27.35
44
6.161
Shares (diluted)M
8.474
8.706
10.06
10.55
11.71
11.76
13.36
14.28
14.59
15.18
6.030
5.33%
6.62%
31
13.83
Buyback yield%
2.38
3.16
0.40
1.18
0.40
0.40
1.21
1.18
0.40
0.40
16.56
0.40
0.79
74
48.63
Eq/Assets%
110.14
127.70
141.06
144.33
153.60
179.81
201.19
219.92
227.36
235.51
93.34
219.92
166.71
36
43.84
Assets$M
112.2
126.5
134.9
152.0
165.2
182.2
196.4
216.3
236.9
253.4
36.92
8.93%
9.46%
41
37.82
LT debt$M
48.99
55.61
55.88
61.88
61.07
61.29
62.09
58.01
54.47
61.19
22.84
0.04%
2.93%
33
Total assets
$253.4M
9.46%
1.46×
Revenue
$66.99M
5.41%
1.00×
Non-interest expense
$33.71M
5.37%
1.00×
Net interest income
62.66%
Non-interest income
37.34%