3.418
Revenue$M
15.06
15.19
15.37
15.75
15.84
15.86
16.42
16.89
17.46
17.83
3.495
2.40%
1.78%
58
8.42
Revenue growth%
14.84
13.15
13.72
13.86
13.29
15.87
18.44
16.17
13.19
10.61
4.16
15.87
13.79
76
17.31
NIM%
9.85
10.11
10.65
12.84
14.34
15.10
15.91
15.79
15.40
17.33
10.97
15.79
14.72
49
16.86
Effic. R.%
10.36
7.77
7.53
4.82
4.60
4.23
6.84
6.98
6.19
5.99
29.67
6.19
6.51
42
8.42
Net margin%
18.55
18.02
16.18
18.43
18.23
15.86
16.52
18.48
15.54
13.65
15.30
15.86
17.27
56
11.40
P/E ratio (avg)x
49.83
54.52
54.75
65.60
76.16
84.48
84.35
99.67
119.2
128.3
10.42
99.67
80.25
36
25.43
P/TBVx
31.69
32.57
34.99
34.34
38.69
42.90
41.10
45.50
51.68
60.34
37.91
45.50
39.89
43
17.87
P/Bx
7.811
8.102
8.795
7.780
7.615
8.168
7.253
7.914
7.579
8.082
33.96
7.914
7.862
72
4.731
NII$M
8.763
8.800
8.965
9.242
9.251
9.109
9.628
9.682
10.03
10.34
13.86
2.24%
1.69%
—
26.58
NII grth%
14.48
12.09
10.17
9.20
8.09
5.64
5.78
3.71
1.36
2.75
14.62
3.71
6.93
28
4.78
ROTE%
7.98
5.62
6.23
6.36
8.29
11.14
8.48
8.11
5.95
6.85
6.47
8.11
7.41
16
8.07
Return on equity%
7.41
5.85
3.09
0.40
1.37
0.40
0.40
0.40
0.40
0.40
3.67
0.40
0.40
58
16.46
Return on assets%
28.43
25.70
27.74
29.62
31.36
31.56
30.89
29.69
29.17
26.63
27.72
29.69
29.40
24
1.07
EPS$
0.92
0.85
0.78
0.83
0.77
0.83
0.89
0.93
0.84
0.81
1.09
0.98%
(0.55%)
—
26.57
EPS growth%
29.93
32.59
31.45
33.50
32.52
30.97
32.78
32.22
29.50
31.67
24.79
31.67
31.95
39
0.37
Bookvalue per sh$
0.44
0.48
0.55
0.63
0.62
0.73
0.83
0.84
0.84
0.98
0.84
9.63%
7.98%
—
0.63
TBV/sh$
1.39
1.47
1.72
1.78
1.98
2.26
2.51
2.84
3.02
3.25
1.82
10.41%
10.05%
—
1.57
Dividend per sh$
1.52
1.62
1.67
1.64
1.73
1.89
1.76
1.79
1.87
1.93
0.83
2.17%
3.42%
—
18.24
Div yield (avg)%
25.09
23.87
22.79
21.86
19.84
22.55
22.23
19.26
19.36
21.29
9.67
21.29
22.05
54
17.55
Payout ratio%
9.53
10.09
8.64
7.56
7.34
8.33
8.76
6.03
3.94
2.98
8.83
6.03
7.94
79
3.029
Shares (diluted)M
3.338
3.077
2.994
3.007
2.874
2.832
2.905
2.549
2.391
2.570
3.066
(2.22%)
(3.51%)
42
23.80
Buyback yield%
29.91
27.93
26.28
27.45
24.46
24.30
26.20
23.68
21.90
24.66
17.56
24.30
25.43
37
160.61
Eq/Assets%
61.89
60.17
64.94
60.70
58.84
52.65
53.23
48.91
52.87
51.92
103.57
52.65
56.03
76
14.80
Assets$M
4.771
5.108
5.506
5.735
6.240
6.604
7.171
7.904
8.490
9.263
1.494
8.22%
7.99%
70
4.357
LT debt$M
26.02
31.28
37.42
42.89
42.51
45.26
52.43
61.85
67.85
82.11
2.957
14.07%
13.93%
65
Total assets
$9.263M
7.99%
1.81×
Revenue
$17.83M
1.78%
1.00×
Non-interest expense
$10.47M
1.70%
0.99×
Net interest income
57.97%
Non-interest income
42.03%
Return on capital
192.85%