11.26
Revenue$M
37.32
40.32
43.50
47.44
50.22
53.69
57.25
60.42
63.73
67.03
12.51
5.95%
6.70%
29
7.02
Revenue growth%
26.49
26.77
26.97
24.04
21.25
21.40
21.22
21.12
21.28
21.60
12.60
21.28
21.50
42
14.65
NIM%
30.99
28.66
27.03
27.10
29.74
30.37
31.30
30.25
29.88
31.54
17.05
30.37
30.07
54
16.01
Effic. R.%
19.18
18.74
21.58
22.51
24.40
23.23
20.48
23.17
25.07
27.13
5.37
23.23
22.84
80
12.26
Net margin%
18.15
15.35
13.06
14.18
14.50
16.55
19.09
21.38
18.85
15.87
26.26
18.85
16.21
61
9.086
P/E ratio (avg)x
48.17
47.29
43.28
48.00
46.83
47.58
48.36
49.11
48.56
46.73
6.278
48.36
47.79
64
32.19
P/TBVx
58.33
66.06
78.52
85.02
94.21
102.4
107.1
127.0
125.0
127.7
9.154
125.0
98.33
81
23.17
P/Bx
10.45
10.49
12.15
12.33
13.85
13.64
16.32
16.80
17.40
20.46
37.14
16.80
13.75
89
30.46
NII$M
26.69
29.21
31.69
34.45
36.21
39.28
41.06
43.83
45.89
48.66
51.90
6.09%
6.80%
—
17.45
NII grth%
16.02
17.84
19.51
17.90
19.43
16.94
15.08
16.72
15.56
18.33
9.91
16.72
17.39
93
29.62
ROTE%
1.91
2.14
1.21
0.53
0.40
0.40
0.93
1.46
0.40
1.22
7.66
0.93
1.07
58
8.40
Return on equity%
6.02
6.50
5.18
5.56
3.40
3.86
3.58
2.48
5.47
2.99
7.85
3.58
4.52
87
29.94
Return on assets%
10.63
12.56
14.01
16.64
18.63
16.20
13.58
14.56
15.66
17.71
14.74
15.66
15.11
50
3.67
EPS$
1.30
1.33
1.53
1.70
1.92
2.16
2.23
2.44
2.62
2.68
4.06
6.84%
8.42%
—
18.24
EPS growth%
18.74
20.84
22.40
20.59
21.00
20.40
20.23
21.52
23.41
23.80
7.05
21.52
20.92
29
1.94
Bookvalue per sh$
4.27
3.83
3.60
3.68
3.52
3.31
3.04
2.83
2.76
2.40
0.99
(7.41%)
(6.41%)
—
1.23
TBV/sh$
2.79
2.76
2.92
2.91
2.71
2.99
2.82
2.94
2.69
2.75
5.34
0.27%
0.55%
—
4.60
Dividend per sh$
2.03
1.92
1.83
1.79
1.80
1.89
1.77
1.65
1.59
1.40
4.08
(4.87%)
(4.04%)
—
18.41
Div yield (avg)%
23.19
25.47
23.24
22.70
20.71
21.70
21.04
23.61
25.66
26.13
2.54
23.61
23.22
51
20.90
Payout ratio%
5.64
7.72
8.14
6.23
4.25
3.48
5.27
5.04
5.72
8.02
11.26
5.27
5.68
43
6.416
Shares (diluted)M
9.443
9.369
9.296
10.05
9.730
11.70
14.03
14.52
16.26
18.52
6.223
13.74%
8.42%
42
5.00
Buyback yield%
3.46
3.95
2.14
0.40
0.40
1.70
0.40
2.18
1.93
1.05
27.96
1.70
1.82
74
16.22
Eq/Assets%
99.89
91.48
82.56
79.04
68.75
60.70
58.27
51.84
53.62
48.41
177.96
53.62
64.72
32
29.01
Assets$M
27.87
30.86
33.50
37.68
40.32
43.38
46.60
50.86
58.20
59.16
44.70
7.97%
8.66%
14
14.34
LT debt$M
20.49
22.95
21.79
21.21
22.61
22.11
20.17
20.33
20.94
23.36
34.38
0.65%
2.39%
25
Total assets
$59.16M
8.66%
1.20×
Revenue
$67.03M
6.70%
1.00×
Non-interest expense
$38.36M
6.72%
1.00×
Net interest income
72.60%
Non-interest income
27.40%