54.96
Revenue$M
66.41
68.14
71.64
75.00
77.17
78.08
81.84
84.61
85.99
89.40
59.75
2.98%
3.09%
57
11.22
Revenue growth%
6.05
8.66
7.07
5.84
3.27
0.65
1.15
3.21
4.06
4.45
4.03
3.21
4.25
27
7.98
NIM%
30.16
30.16
30.41
32.28
33.03
35.80
35.88
35.73
38.65
35.77
16.16
35.80
34.38
30
27.68
Effic. R.%
4.76
4.81
4.96
7.61
10.27
12.92
13.67
16.09
16.53
19.17
27.77
16.09
11.60
17
25.99
Net margin%
13.42
13.17
13.36
12.93
14.00
15.36
14.55
11.72
11.52
12.80
27.33
12.80
13.26
84
37.39
P/E ratio (avg)x
41.54
42.77
44.04
51.38
55.65
57.85
59.83
69.49
75.29
82.00
15.25
69.49
56.75
62
32.90
P/TBVx
15.79
16.61
19.70
19.03
18.58
21.10
21.71
25.89
24.96
24.98
15.02
24.96
20.40
71
26.28
P/Bx
40.48
45.70
50.53
54.23
56.22
55.85
57.10
64.25
67.29
76.21
24.43
64.25
56.04
9
74.84
NII$M
37.70
37.70
40.27
42.12
42.62
44.39
45.83
47.24
48.77
49.81
12.86
3.16%
3.04%
—
2.42
NII grth%
14.11
16.85
19.82
18.49
18.93
21.02
22.01
23.90
25.37
24.58
15.68
23.90
20.42
31
25.94
ROTE%
12.23
10.54
13.31
15.24
15.01
12.67
11.23
12.01
13.97
14.35
17.12
12.67
12.99
94
11.15
Return on equity%
33.52
30.63
29.75
31.84
32.12
34.30
31.82
30.38
32.62
35.39
5.71
32.62
31.98
59
28.73
Return on assets%
7.57
7.80
9.46
11.28
9.28
10.23
8.10
8.10
7.94
9.90
24.01
8.10
8.69
62
2.86
EPS$
2.25
2.39
2.54
2.49
2.88
3.01
3.32
3.49
3.82
3.89
2.94
6.22%
5.60%
—
29.15
EPS growth%
14.49
12.47
12.92
11.77
14.75
15.79
13.48
13.20
13.33
11.82
9.53
13.33
13.27
64
3.01
Bookvalue per sh$
2.82
2.64
2.90
3.26
3.20
3.49
3.78
4.30
4.78
4.99
2.02
9.30%
5.62%
—
2.72
TBV/sh$
2.30
2.26
2.14
2.38
2.27
2.52
2.92
2.97
2.95
2.79
2.45
4.20%
1.72%
—
1.70
Dividend per sh$
1.19
1.24
1.40
1.61
1.85
1.80
1.79
1.79
1.97
2.23
2.48
3.86%
6.70%
—
8.95
Div yield (avg)%
20.67
22.48
23.38
24.16
24.22
26.74
28.75
30.29
31.39
34.34
13.14
30.29
25.48
36
17.74
Payout ratio%
3.01
2.14
0.40
1.90
1.91
0.40
3.38
3.27
1.89
4.60
5.09
3.27
2.02
62
24.16
Shares (diluted)M
21.46
20.25
20.06
19.38
18.97
16.57
17.98
18.98
17.02
17.48
24.67
(1.62%)
(1.84%)
93
28.04
Buyback yield%
16.37
14.79
13.39
13.82
14.85
12.52
9.91
12.15
12.34
12.48
14.49
12.34
12.95
69
100.62
Eq/Assets%
40.96
37.18
41.71
43.61
46.80
44.69
41.57
41.79
37.95
34.21
132.17
41.57
41.64
44
92.51
Assets$M
39.66
45.28
49.51
56.11
60.49
69.12
74.18
84.16
90.16
97.36
40.76
9.99%
10.20%
57
10.05
LT debt$M
30.82
29.04
29.38
32.55
35.70
34.25
32.40
33.24
31.23
32.95
64.26
(1.59%)
(0.12%)
12
Total assets
$97.36M
10.20%
1.95×
Revenue
$89.40M
3.09%
1.00×
Non-interest expense
$50.19M
3.07%
1.00×
Net interest income
55.72%
Non-interest income
44.28%
Return on capital
101.19%
Spread over hurdle
94.21%