68.98
Revenue$M
66.30
65.09
64.69
66.43
65.59
66.99
65.87
66.85
67.44
66.28
70.68
0.21%
(0.19%)
91
15.97
Revenue growth%
21.46
19.71
20.02
20.58
21.38
19.76
18.50
20.84
19.90
19.52
22.24
19.76
19.96
89
18.91
NIM%
23.89
24.90
27.85
30.43
32.66
33.47
35.99
37.38
39.46
36.79
22.12
36.79
33.06
20
13.98
Effic. R.%
24.19
23.45
24.13
22.49
20.84
22.54
21.57
20.86
23.34
23.31
29.53
22.54
22.92
44
5.62
Net margin%
12.44
11.81
13.79
11.01
10.19
8.23
7.41
9.30
6.56
6.73
4.11
7.41
9.74
31
14.64
P/E ratio (avg)x
17.60
19.74
23.58
23.30
27.14
29.37
34.65
35.70
41.52
41.57
21.28
35.70
28.26
28
9.937
P/TBVx
31.54
29.04
26.83
27.91
25.62
29.02
28.78
31.21
32.95
30.90
22.33
30.90
29.03
83
26.63
P/Bx
10.31
10.63
10.73
11.49
10.95
11.08
10.31
10.43
10.88
11.45
20.13
10.88
10.81
32
32.30
NII$M
42.96
42.67
42.20
43.80
42.28
44.06
42.74
43.81
43.34
42.94
64.55
0.31%
(0.38%)
—
15.77
NII grth%
15.93
13.88
11.99
14.04
13.58
11.84
10.77
11.75
10.51
10.03
29.40
10.77
11.92
80
12.27
ROTE%
0.40
2.22
0.40
0.97
2.21
0.85
3.38
4.31
3.41
0.78
12.31
3.38
1.59
69
5.28
Return on equity%
1.71
1.78
2.00
2.46
5.15
5.89
5.28
7.01
7.16
4.71
5.38
5.89
4.93
87
27.90
Return on assets%
5.91
6.91
8.63
7.42
5.40
6.53
5.09
8.02
6.96
4.44
20.83
6.53
6.72
69
1.63
EPS$
8.91
9.30
8.98
10.11
9.90
9.53
11.09
11.26
12.71
12.64
1.74
5.00%
4.80%
—
22.06
EPS growth%
25.98
24.09
23.53
26.44
23.50
23.39
21.64
22.74
22.95
22.73
21.95
22.74
23.45
48
6.74
Bookvalue per sh$
8.05
7.28
8.23
8.30
9.21
10.43
11.31
11.71
12.78
12.41
4.77
6.14%
5.66%
—
1.33
TBV/sh$
7.13
7.72
7.40
7.60
7.26
7.82
9.01
10.34
10.48
12.09
4.45
10.75%
5.43%
—
5.88
Dividend per sh$
4.13
4.80
4.98
5.12
5.15
5.12
5.57
6.55
7.59
7.99
4.55
9.17%
7.49%
—
9.06
Div yield (avg)%
24.33
27.28
27.11
24.30
25.84
26.92
26.88
25.89
28.36
28.53
5.66
26.92
26.90
9
3.49
Payout ratio%
23.06
23.92
24.60
26.12
28.52
28.34
28.07
27.38
27.22
28.15
29.57
28.07
27.30
72
6.850
Shares (diluted)M
9.929
10.74
11.12
11.28
11.32
12.07
12.73
11.63
10.67
10.84
7.061
(0.85%)
1.75%
8
11.50
Buyback yield%
12.12
12.57
14.06
13.27
15.64
17.93
17.36
17.45
16.80
16.57
19.58
17.36
16.11
94
48.40
Eq/Assets%
60.46
66.22
71.89
82.40
93.76
103.28
97.09
99.46
105.87
112.40
65.97
103.28
95.42
59
35.27
Assets$M
173.5
200.7
215.7
226.2
258.0
270.2
293.4
330.7
352.7
388.9
63.40
8.56%
9.00%
76
29.60
LT debt$M
19.99
20.30
24.14
27.81
33.41
34.02
39.37
44.37
50.77
51.35
65.66
8.98%
10.99%
56
Total assets
$388.9M
9.00%
2.41×
Revenue
$66.28M
(0.19%)
1.00×
Non-interest expense
$36.07M
(0.35%)
0.98×
Net interest income
64.78%
Non-interest income
35.22%