46.98
Revenue$M
37.41
39.35
41.61
42.99
45.47
46.77
49.21
50.75
52.48
54.48
49.62
3.68%
4.32%
89
5.75
Revenue growth%
13.27
12.86
13.21
10.40
10.14
9.17
10.81
11.48
9.85
11.01
12.96
10.81
10.91
16
26.43
NIM%
11.25
9.02
6.34
8.67
7.54
4.84
7.30
6.44
7.78
8.63
20.13
7.30
7.66
66
28.12
Effic. R.%
18.96
16.06
15.82
17.76
19.43
21.28
22.31
22.99
23.97
25.45
17.55
22.99
20.35
30
19.55
Net margin%
14.14
14.10
15.73
14.62
16.42
17.87
19.83
19.59
21.58
19.26
5.74
19.59
17.14
9
36.49
P/E ratio (avg)x
42.85
46.83
47.40
52.12
60.81
73.04
78.31
93.07
109.0
116.5
29.78
93.07
66.92
21
12.70
P/TBVx
26.80
31.85
31.02
33.91
36.33
41.93
43.56
46.38
49.57
50.68
6.973
46.38
39.13
61
17.42
P/Bx
18.92
20.60
23.06
21.48
23.95
22.86
21.43
23.93
25.02
24.83
7.409
23.93
22.96
86
44.74
NII$M
25.61
27.07
28.30
29.81
30.76
32.23
33.37
34.74
35.73
37.86
27.79
4.25%
4.33%
—
18.25
NII grth%
16.14
17.70
17.36
19.44
18.85
18.69
20.01
19.05
19.85
18.87
5.46
19.05
18.86
46
2.98
ROTE%
24.38
23.46
25.34
23.26
26.13
25.01
23.59
23.12
22.77
19.99
17.56
23.12
23.52
83
5.47
Return on equity%
17.05
18.57
20.71
22.53
23.11
23.82
25.62
27.44
29.24
29.56
12.57
27.44
23.46
62
14.91
Return on assets%
8.15
8.95
6.68
5.71
4.06
5.06
4.42
6.00
8.55
10.17
17.38
6.00
6.34
44
4.66
EPS$
1.53
1.39
1.27
1.08
1.14
1.13
1.09
1.15
1.22
1.23
5.00
1.41%
(3.10%)
—
7.23
EPS growth%
17.40
14.60
13.85
16.35
15.25
16.19
16.15
16.22
15.51
17.66
19.31
16.19
16.17
38
4.18
Bookvalue per sh$
3.31
3.26
2.77
2.40
2.58
2.78
2.49
2.24
1.94
1.96
3.74
(5.28%)
(4.29%)
—
1.39
TBV/sh$
7.92
8.64
8.84
8.82
9.62
10.65
10.74
10.90
11.94
12.99
0.99
6.20%
5.97%
—
1.09
Dividend per sh$
5.08
4.76
5.30
5.08
4.92
4.40
4.67
4.63
4.30
4.27
4.37
(2.77%)
(1.22%)
—
20.28
Div yield (avg)%
22.28
19.68
18.52
15.66
14.11
14.57
15.72
17.16
15.92
16.92
19.62
15.92
16.42
53
21.90
Payout ratio%
1.49
3.80
4.06
5.10
3.32
2.14
4.38
6.98
7.02
5.45
11.79
5.45
4.22
78
5.204
Shares (diluted)M
5.971
6.397
6.889
6.750
6.671
6.928
7.823
7.295
7.746
8.585
5.256
5.18%
4.99%
23
29.68
Buyback yield%
18.99
21.67
20.38
18.78
18.99
16.46
18.75
21.31
19.07
17.16
4.14
18.75
18.99
13
76.70
Eq/Assets%
219.26
248.85
264.79
307.27
296.54
323.36
321.74
312.31
299.95
327.97
154.89
321.74
303.61
14
40.22
Assets$M
84.28
93.29
97.53
106.2
117.7
130.8
144.8
159.7
166.1
178.9
40.97
8.74%
8.59%
27
38.03
LT debt$M
18.62
20.76
18.84
16.82
15.04
16.57
17.52
17.23
19.06
17.04
33.08
2.53%
(1.68%)
78
Total assets
$178.9M
8.59%
1.49×
Revenue
$54.48M
4.32%
1.00×
Non-interest expense
$32.27M
4.32%
1.00×
Net interest income
69.51%
Non-interest income
30.49%