48.90
Revenue$M
49.17
53.77
56.93
61.15
65.53
70.76
74.75
79.73
86.76
95.08
51.67
7.73%
7.66%
75
20.37
Revenue growth%
21.51
20.67
20.65
21.77
21.55
24.18
21.85
21.14
20.28
19.26
25.78
21.14
21.32
61
18.82
NIM%
10.01
7.86
8.64
7.16
9.53
7.63
5.20
5.39
5.80
3.04
18.93
5.39
7.40
55
17.57
Effic. R.%
28.28
30.91
33.75
34.29
36.63
37.16
39.56
40.88
40.81
39.48
13.40
39.56
36.90
32
2.56
Net margin%
6.14
4.31
2.87
4.77
5.75
8.32
9.47
10.69
8.27
6.75
26.15
8.32
6.44
36
33.58
P/E ratio (avg)x
26.50
22.68
21.26
18.15
18.85
16.78
15.57
16.84
18.24
16.06
22.89
16.78
18.20
55
23.04
P/TBVx
31.01
36.70
38.90
41.72
46.15
47.55
48.66
47.64
47.57
54.18
32.46
47.64
46.85
68
25.12
P/Bx
19.57
19.91
21.72
19.29
19.82
21.23
20.17
18.57
16.15
14.78
19.89
18.57
19.70
53
26.19
NII$M
36.57
39.95
43.34
45.92
49.39
53.08
56.38
59.64
66.15
72.21
73.28
7.89%
7.75%
—
17.93
NII grth%
13.36
11.42
13.80
15.73
18.57
16.03
15.77
13.51
15.63
14.75
17.63
15.63
15.19
73
27.12
ROTE%
12.73
13.28
12.04
14.69
12.85
14.71
15.67
12.87
11.04
10.75
28.25
12.87
12.86
40
24.75
Return on equity%
19.71
18.12
19.58
20.37
20.81
19.20
22.04
21.65
20.45
18.38
15.11
20.45
20.04
37
14.08
Return on assets%
15.40
17.10
18.14
18.04
15.67
16.67
19.60
21.74
19.21
17.78
23.74
19.21
17.91
29
2.44
EPS$
3.73
4.26
4.59
4.78
4.90
5.21
5.32
5.17
6.11
6.06
2.55
4.32%
6.74%
—
18.59
EPS growth%
12.62
13.09
13.99
16.88
15.74
13.67
12.59
11.38
9.78
12.28
19.66
12.28
12.85
7
1.59
Bookvalue per sh$
4.10
4.04
4.50
4.97
5.23
4.64
4.70
5.07
5.23
5.46
2.82
0.86%
3.26%
—
6.48
TBV/sh$
7.43
7.53
7.47
7.83
7.90
7.86
7.82
7.93
8.47
8.62
2.46
1.77%
1.91%
—
5.29
Dividend per sh$
2.97
3.21
3.12
3.05
2.92
2.62
2.78
2.65
2.55
2.44
4.20
(3.55%)
(2.46%)
—
10.54
Div yield (avg)%
8.56
9.77
11.51
13.06
10.64
12.65
15.06
16.06
14.29
13.21
3.22
14.29
12.85
71
20.70
Payout ratio%
6.35
6.86
5.94
7.63
7.05
4.16
5.26
7.61
9.20
8.19
22.03
7.61
6.96
85
8.096
Shares (diluted)M
6.212
6.246
5.819
5.192
5.370
4.634
3.916
3.789
3.874
3.740
8.126
(6.98%)
(5.28%)
32
20.19
Buyback yield%
29.98
30.58
28.32
30.17
32.67
32.70
29.72
31.96
29.40
27.28
22.34
29.72
30.08
15
49.26
Eq/Assets%
39.47
41.98
42.88
47.27
46.77
54.05
52.74
59.93
60.02
61.68
99.19
59.93
50.01
29
33.79
Assets$M
30.65
33.70
36.56
40.46
44.42
45.29
49.82
57.42
62.00
67.59
58.50
8.76%
9.32%
12
61.98
LT debt$M
16.07
15.72
17.42
18.91
20.52
21.17
20.71
20.56
19.70
21.19
16.12
0.65%
2.26%
88
Total assets
$67.59M
9.32%
1.17×
Revenue
$95.08M
7.66%
1.00×
Non-interest expense
$52.89M
7.65%
1.00×
Net interest income
75.95%
Non-interest income
24.05%
Return on capital
116.74%