72.55
Revenue$M
58.84
62.66
65.09
68.72
74.04
78.87
82.43
86.54
90.11
96.09
74.62
5.35%
5.69%
15
14.04
Revenue growth%
27.92
29.10
28.09
27.16
25.72
25.10
27.82
27.85
27.73
29.92
4.82
27.82
27.84
14
7.27
NIM%
30.14
32.93
33.87
35.30
35.53
32.60
32.86
30.45
28.72
31.20
24.29
31.20
32.73
60
20.11
Effic. R.%
25.78
28.50
28.95
29.10
31.78
31.33
33.81
33.19
35.03
33.70
5.00
33.70
31.56
10
10.14
Net margin%
10.51
9.92
9.82
10.36
12.16
10.31
8.34
7.07
6.28
4.62
12.31
7.07
9.87
60
37.34
P/E ratio (avg)x
36.42
35.85
35.10
38.67
44.32
50.27
51.54
51.16
57.86
58.63
19.91
51.54
47.29
36
37.71
P/TBVx
15.02
15.62
15.16
14.51
15.43
17.43
17.34
18.52
17.80
18.76
33.59
17.80
16.48
62
28.00
P/Bx
29.51
26.96
24.42
22.68
24.24
21.83
22.66
20.83
22.61
20.29
30.10
21.83
22.67
32
72.55
NII$M
42.99
45.92
47.99
50.82
54.82
57.70
60.00
63.02
65.39
71.56
58.86
5.47%
5.71%
—
29.43
NII grth%
13.02
12.87
11.49
14.01
11.10
8.38
9.28
10.13
9.78
7.49
27.71
9.28
10.61
54
2.66
ROTE%
2.94
5.94
3.55
2.12
2.28
2.40
0.52
2.47
0.40
0.40
19.95
0.52
2.34
23
6.27
Return on equity%
20.47
22.29
25.01
25.96
24.65
22.89
25.80
26.53
28.53
30.90
13.04
26.53
25.40
72
8.86
Return on assets%
11.24
9.67
7.32
9.54
12.34
10.27
7.61
7.06
7.03
5.16
29.73
7.06
8.58
94
3.34
EPS$
2.40
2.34
2.61
2.52
2.57
2.47
2.28
2.34
2.56
2.62
3.67
0.41%
1.89%
—
13.01
EPS growth%
26.64
28.30
30.60
29.39
27.21
28.47
26.31
24.14
26.70
25.85
25.99
26.31
26.95
81
2.36
Bookvalue per sh$
2.84
2.59
2.73
2.45
2.16
2.23
2.32
2.27
2.28
2.25
3.01
0.86%
(1.84%)
—
3.20
TBV/sh$
3.06
3.32
2.98
3.14
3.25
3.52
3.22
3.21
3.38
3.67
2.00
2.48%
2.60%
—
2.58
Dividend per sh$
3.65
3.80
4.17
4.58
4.24
3.76
4.02
3.89
4.14
4.38
0.62
0.62%
2.09%
—
22.78
Div yield (avg)%
28.50
27.31
26.90
29.63
31.12
33.02
35.76
37.58
40.57
40.28
17.69
37.58
32.07
80
24.70
Payout ratio%
4.00
2.23
2.51
2.15
4.69
1.75
4.69
4.34
2.09
0.40
14.01
2.09
2.37
91
9.572
Shares (diluted)M
7.182
6.462
6.802
6.168
5.423
4.775
4.057
3.444
3.504
2.965
9.655
(11.37%)
(8.06%)
70
10.51
Buyback yield%
20.32
20.09
21.87
20.39
18.47
20.43
23.27
21.98
20.91
20.40
9.06
20.91
20.41
55
110.43
Eq/Assets%
86.27
90.92
92.66
94.87
102.21
96.42
93.26
85.67
83.39
77.31
62.18
85.67
91.79
25
14.89
Assets$M
254.1
264.4
289.0
321.9
340.0
376.7
406.4
445.9
488.2
508.0
29.33
8.36%
8.06%
70
22.47
LT debt$M
11.83
13.08
13.53
12.64
12.78
13.53
12.60
13.32
13.57
15.18
64.45
3.51%
1.94%
83
Total assets
$508.0M
8.06%
1.25×
Revenue
$96.09M
5.69%
1.00×
Non-interest expense
$50.73M
5.54%
0.99×
Net interest income
74.47%
Non-interest income
25.53%