9.297
Revenue$M
16.99
17.96
19.21
20.65
22.16
23.26
24.40
25.51
26.91
28.48
9.849
5.14%
5.85%
38
10.40
Revenue growth%
24.04
24.89
24.19
22.13
19.35
21.32
18.57
16.39
19.31
21.96
12.59
19.31
21.64
15
9.57
NIM%
28.19
28.85
31.02
28.97
31.51
30.49
31.79
29.89
29.38
30.23
15.19
30.23
30.06
88
21.48
Effic. R.%
21.68
19.43
17.49
20.05
19.85
17.13
18.88
16.35
15.24
12.85
26.22
16.35
18.19
24
14.42
Net margin%
7.59
8.67
7.65
10.00
11.96
13.90
15.56
15.99
17.15
18.37
5.26
15.99
12.93
92
20.30
P/E ratio (avg)x
12.05
12.87
13.67
12.61
14.13
13.29
12.93
12.70
14.32
14.72
36.44
13.29
13.11
10
13.83
P/TBVx
38.25
40.09
47.17
55.11
57.07
55.48
54.14
52.43
52.70
51.77
12.34
52.70
52.56
30
38.00
P/Bx
12.01
13.77
14.47
14.94
13.80
14.66
15.64
14.80
16.26
18.24
30.63
15.64
14.73
81
23.51
NII$M
10.11
10.85
11.56
12.56
13.44
13.84
14.89
15.33
16.53
17.22
7.134
5.08%
5.93%
—
23.90
NII grth%
2.29
2.56
3.78
2.29
0.40
0.71
0.85
0.40
1.23
3.87
17.30
0.85
1.76
90
20.81
ROTE%
11.09
8.46
7.37
5.53
4.20
7.04
9.99
12.28
9.58
6.88
3.09
9.58
7.91
51
25.76
Return on equity%
8.26
8.04
7.52
5.44
4.58
5.07
2.88
0.62
2.32
3.21
25.81
2.88
4.83
79
18.15
Return on assets%
22.42
20.17
17.48
19.17
16.25
18.78
17.41
18.39
19.96
22.60
18.14
18.78
18.97
88
2.67
EPS$
2.44
2.56
2.26
2.17
1.89
1.91
1.92
2.02
1.79
1.60
2.88
(3.27%)
(3.52%)
—
19.06
EPS growth%
32.17
31.46
33.20
31.49
32.49
31.88
33.19
35.98
38.13
38.80
20.09
35.98
32.84
27
1.94
Bookvalue per sh$
4.06
4.54
4.99
5.32
5.50
5.71
6.45
7.03
7.88
8.71
1.68
9.63%
7.93%
—
0.65
TBV/sh$
1.98
2.31
2.61
2.98
2.84
3.14
3.52
3.54
3.80
4.36
2.81
9.00%
8.44%
—
1.63
Dividend per sh$
3.18
3.69
4.37
4.54
4.74
4.96
4.97
5.50
5.78
5.75
1.62
3.93%
7.37%
—
14.53
Div yield (avg)%
28.35
27.52
28.02
25.04
22.97
22.22
19.96
20.61
21.79
22.23
5.01
21.79
22.60
39
3.90
Payout ratio%
11.09
12.74
11.52
11.62
9.95
11.97
12.93
10.59
10.45
7.72
25.86
10.59
11.31
24
7.545
Shares (diluted)M
10.37
10.46
10.27
11.60
12.37
13.59
13.76
14.92
17.12
16.99
7.184
6.55%
5.97%
36
12.97
Buyback yield%
16.24
14.02
11.72
11.40
13.84
12.08
10.13
11.09
8.50
5.84
4.76
10.13
11.56
48
150.11
Eq/Assets%
107.02
116.26
116.46
120.80
123.48
142.32
153.05
163.24
185.28
217.44
51.93
163.24
132.90
59
15.39
Assets$M
49.03
53.26
59.37
63.67
68.26
75.77
78.14
86.87
95.08
101.0
23.47
8.15%
8.12%
45
3.242
LT debt$M
24.17
26.73
25.86
26.61
27.47
32.70
38.76
37.47
39.71
40.51
8.478
8.08%
6.64%
62
Total assets
$101.0M
8.12%
1.24×
Revenue
$28.48M
5.85%
1.00×
Non-interest expense
$15.57M
5.83%
1.00×
Net interest income
60.47%
Non-interest income
39.53%