33.64
Revenue$M
24.67
25.80
27.08
28.44
29.89
30.25
30.74
31.67
33.18
34.23
34.94
2.75%
3.66%
85
3.10
Revenue growth%
16.54
19.51
18.55
20.39
21.15
19.17
19.23
17.44
19.03
18.29
22.64
19.03
19.10
85
16.50
NIM%
7.92
7.51
6.39
9.19
10.52
10.59
11.37
9.73
7.40
5.01
18.81
9.73
8.55
80
5.43
Effic. R.%
18.33
19.06
19.75
17.31
14.78
13.43
13.52
12.88
13.47
11.11
11.38
13.43
14.15
28
15.77
Net margin%
10.87
11.08
8.42
9.94
8.58
11.47
9.32
6.90
7.69
5.00
20.30
7.69
8.95
6
9.094
P/E ratio (avg)x
33.56
38.63
38.18
37.76
36.99
41.35
44.96
48.65
49.73
48.84
7.295
48.65
39.99
69
22.29
P/TBVx
6.399
6.155
6.554
6.887
6.395
5.554
4.993
4.977
4.269
4.187
10.91
4.977
5.855
10
37.19
P/Bx
22.80
24.48
24.78
27.69
31.09
31.17
32.45
30.36
34.74
33.06
18.08
32.45
30.73
28
18.88
NII$M
16.84
17.42
18.64
19.53
20.19
20.93
20.74
21.60
22.62
23.57
18.25
3.14%
3.72%
—
19.11
NII grth%
19.98
20.55
22.64
22.73
19.98
20.47
18.77
18.27
15.33
13.36
21.96
18.27
19.98
48
27.08
ROTE%
4.91
2.06
2.52
3.48
4.56
6.23
8.19
9.71
7.82
8.22
26.24
8.19
5.57
68
17.79
Return on equity%
26.62
26.01
24.42
26.22
26.08
26.50
28.12
26.26
24.57
21.92
8.56
26.26
26.15
75
14.04
Return on assets%
21.56
23.08
24.43
25.73
23.75
25.71
25.43
25.77
25.34
24.91
13.08
25.43
25.13
9
0.06
EPS$
0.10
0.10
0.10
0.09
0.08
0.09
0.08
0.08
0.07
0.07
0.06
(2.64%)
(2.35%)
—
14.36
EPS growth%
17.23
14.66
13.63
12.47
12.70
10.40
12.23
14.43
15.77
18.27
23.82
14.43
14.03
30
0.05
Bookvalue per sh$
0.04
0.04
0.05
0.05
0.05
0.06
0.05
0.06
0.07
0.07
0.06
6.33%
7.29%
—
0.04
TBV/sh$
0.07
0.08
0.09
0.11
0.12
0.14
0.14
0.17
0.19
0.22
0.09
13.17%
13.00%
—
0.01
Dividend per sh$
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.08
4.64%
4.37%
—
6.44
Div yield (avg)%
20.44
20.60
22.57
24.09
21.39
19.88
19.91
21.75
24.20
27.08
28.30
21.75
21.57
7
10.60
Payout ratio%
13.75
15.72
17.43
14.99
13.58
15.38
15.93
15.93
15.73
15.43
12.44
15.73
15.58
69
130.9
Shares (diluted)M
158.0
165.2
167.4
156.4
157.9
148.6
153.0
148.7
168.4
189.1
128.7
3.67%
2.19%
76
24.20
Buyback yield%
20.07
21.16
20.62
23.09
20.36
21.75
19.58
17.66
17.62
18.01
19.21
18.01
20.22
38
159.87
Eq/Assets%
12.12
11.81
13.00
13.56
12.00
12.36
11.12
11.08
11.91
12.28
83.07
11.91
12.06
27
3.927
Assets$M
37.13
39.38
42.37
46.33
50.92
54.44
55.97
59.91
65.12
69.17
5.350
6.32%
7.11%
46
25.65
LT debt$M
5.357
5.803
5.198
5.359
5.868
6.256
6.851
7.682
7.980
8.407
22.62
7.46%
3.82%
73
Total assets
$69.17M
7.11%
1.39×
Revenue
$34.23M
3.66%
1.00×
Non-interest expense
$16.53M
3.70%
1.00×
Net interest income
68.85%
Non-interest income
31.15%