21.10
Revenue$M
12.29
13.25
14.06
15.48
16.79
18.13
20.03
21.56
23.56
25.37
23.60
8.60%
8.42%
29
7.40
Revenue growth%
27.33
28.32
28.39
27.91
26.55
25.83
23.27
25.93
26.73
28.09
10.27
25.93
27.03
55
22.36
NIM%
9.84
9.74
12.38
14.20
11.28
12.58
11.67
14.07
15.32
15.31
19.33
14.07
12.48
60
3.68
Effic. R.%
20.55
18.89
20.22
20.43
21.85
23.75
26.41
26.41
25.69
22.82
3.91
25.69
22.33
14
18.96
Net margin%
8.09
9.75
9.58
8.58
6.87
8.36
10.73
10.29
9.80
7.54
11.13
9.80
9.08
62
27.74
P/E ratio (avg)x
49.24
56.65
65.53
66.31
71.18
66.65
66.56
71.56
74.92
75.36
13.74
71.56
66.61
49
21.64
P/TBVx
26.15
27.75
29.99
27.92
30.44
32.96
32.99
36.24
35.21
39.88
10.61
35.21
31.70
48
31.18
P/Bx
14.52
13.14
13.32
14.38
13.58
14.62
15.32
13.92
13.70
13.76
6.625
13.92
13.84
56
19.40
NII$M
9.097
9.968
10.42
11.77
12.68
13.42
14.93
16.31
17.64
18.86
12.24
8.26%
8.25%
—
2.02
NII grth%
8.27
5.60
4.94
6.62
7.83
6.54
6.10
5.44
8.03
5.43
11.99
6.10
6.32
16
25.94
ROTE%
27.23
28.12
27.72
25.37
24.61
24.11
21.25
20.38
21.30
20.62
29.44
21.25
24.36
90
20.49
Return on equity%
1.33
3.37
4.07
2.62
5.32
5.66
4.43
1.49
0.49
1.30
22.17
1.49
3.00
42
3.71
Return on assets%
0.40
0.40
3.01
4.24
2.48
0.40
0.40
1.99
0.40
0.40
14.64
0.40
0.40
58
0.20
EPS$
0.32
0.34
0.39
0.41
0.38
0.41
0.47
0.52
0.57
0.55
0.22
7.53%
6.79%
—
7.01
EPS growth%
29.09
31.84
34.51
36.06
33.15
35.60
33.54
31.03
28.33
28.78
19.59
31.03
32.49
38
0.37
Bookvalue per sh$
0.34
0.34
0.33
0.34
0.31
0.29
0.32
0.36
0.40
0.43
0.35
6.61%
1.82%
—
0.61
TBV/sh$
0.69
0.70
0.74
0.82
0.84
0.91
0.86
0.94
1.04
1.17
0.39
6.86%
6.22%
—
0.48
Dividend per sh$
0.16
0.18
0.19
0.20
0.19
0.19
0.20
0.22
0.22
0.21
0.10
1.32%
1.80%
—
15.19
Div yield (avg)%
18.41
19.71
17.18
18.92
18.81
20.78
23.36
22.42
23.45
23.26
23.39
23.26
20.25
9
25.41
Payout ratio%
22.17
24.82
25.53
25.05
23.15
26.10
27.22
29.28
27.09
24.44
9.76
27.09
25.29
61
19.87
Shares (diluted)M
16.41
18.03
19.61
18.12
17.11
15.85
14.08
13.36
12.60
11.18
20.05
(8.16%)
(5.03%)
93
17.15
Buyback yield%
24.35
25.73
25.72
26.96
25.19
23.36
22.73
19.88
18.37
21.02
16.69
21.02
23.85
61
135.13
Eq/Assets%
224.35
256.36
280.52
321.22
340.36
361.10
384.05
401.74
398.29
432.12
63.21
398.29
350.73
85
8.384
Assets$M
131.7
144.9
152.5
166.9
181.5
203.5
229.7
242.0
269.2
297.0
4.249
10.35%
9.72%
48
31.14
LT debt$M
3.248
3.257
3.439
4.052
4.591
5.170
5.685
5.461
5.357
5.161
27.46
2.37%
4.97%
13
Total assets
$297.0M
9.72%
1.13×
Revenue
$25.37M
8.42%
1.00×
Non-interest expense
$12.65M
8.08%
0.97×
Net interest income
74.34%
Non-interest income
25.66%