26.78
Revenue$M
27.86
30.74
32.72
35.14
38.53
42.25
46.04
48.79
51.68
56.76
27.58
8.05%
8.09%
77
2.31
Revenue growth%
19.08
18.78
19.33
17.60
19.37
18.10
17.51
17.02
14.42
14.86
18.10
17.02
17.85
10
23.65
NIM%
15.07
12.11
13.13
13.57
11.35
13.45
15.23
13.45
10.47
11.37
22.87
13.45
13.29
78
10.94
Effic. R.%
12.31
13.14
14.71
16.76
15.75
17.42
19.61
21.05
18.55
17.59
16.54
18.55
17.09
13
10.95
Net margin%
5.09
4.36
4.87
5.67
3.29
3.46
4.28
5.84
4.35
2.24
17.94
4.28
4.36
20
24.97
P/E ratio (avg)x
43.53
44.05
48.57
56.03
58.90
70.08
68.74
74.66
80.51
77.84
20.50
74.66
63.82
91
13.83
P/TBVx
12.39
12.24
12.40
11.32
11.40
11.32
11.55
12.12
12.62
13.41
26.31
12.12
12.18
46
9.955
P/Bx
18.57
20.03
17.53
18.58
20.09
20.97
22.32
24.49
26.69
26.35
32.80
24.49
20.53
28
19.26
NII$M
15.33
16.99
17.82
19.27
21.39
23.36
25.71
26.57
28.05
31.47
22.64
8.03%
7.97%
—
9.26
NII grth%
11.22
10.94
12.93
13.56
14.02
12.84
11.05
11.31
11.23
8.77
26.49
11.23
11.27
25
28.93
ROTE%
2.48
0.40
0.40
0.40
1.65
3.02
0.40
0.40
2.51
0.40
15.24
0.40
0.40
74
2.12
Return on equity%
26.32
23.45
21.08
20.81
22.45
24.49
27.43
28.18
28.64
30.22
8.85
28.18
25.41
47
8.69
Return on assets%
8.81
10.66
7.84
5.19
3.60
5.03
7.48
10.35
10.24
10.09
11.26
10.09
8.32
14
3.10
EPS$
0.87
0.85
0.92
0.95
0.97
0.95
0.90
0.99
1.00
1.00
3.43
0.60%
2.47%
—
29.62
EPS growth%
13.71
11.50
10.85
8.57
9.99
10.22
12.05
13.45
13.06
14.91
7.47
13.06
11.78
68
3.08
Bookvalue per sh$
2.74
2.50
2.36
2.17
2.09
2.18
2.31
2.28
2.11
2.15
0.81
0.54%
(1.71%)
—
1.08
TBV/sh$
2.03
1.89
1.70
1.61
1.47
1.60
1.61
1.75
1.85
1.97
1.11
6.11%
0.32%
—
1.37
Dividend per sh$
2.80
3.12
2.93
3.22
3.04
3.24
3.63
3.41
3.13
3.29
1.39
1.59%
1.74%
—
24.86
Div yield (avg)%
7.77
7.31
9.07
7.60
7.73
8.36
10.21
10.39
9.82
8.79
16.93
9.82
8.58
12
8.39
Payout ratio%
4.52
5.16
3.35
4.73
5.10
3.32
0.72
0.64
0.40
3.05
13.44
0.72
3.34
41
7.060
Shares (diluted)M
4.828
4.372
4.361
4.469
4.257
4.308
3.915
3.942
3.932
3.823
6.886
(2.13%)
(3.78%)
24
22.75
Buyback yield%
14.13
16.87
14.78
14.13
11.51
13.35
14.50
16.70
14.65
17.52
4.22
14.65
14.57
20
18.79
Eq/Assets%
44.66
44.56
43.17
42.10
43.98
43.72
42.89
45.01
44.90
44.83
25.11
44.83
44.27
87
37.31
Assets$M
149.2
156.2
165.4
183.7
206.7
224.9
246.0
271.2
301.0
316.6
7.633
8.91%
8.65%
74
10.91
LT debt$M
49.80
54.32
64.36
62.71
63.83
71.24
79.41
87.37
104.0
118.6
31.33
13.20%
10.24%
23
Total assets
$316.6M
8.65%
1.05×
Revenue
$56.76M
8.09%
1.00×
Non-interest expense
$29.91M
8.24%
1.01×
Net interest income
55.44%
Non-interest income
44.56%
Spread over hurdle
14.18%