18.09
Revenue$M
23.39
23.46
23.61
23.66
23.46
22.98
22.66
22.49
22.79
23.02
19.24
(0.38%)
(0.29%)
59
9.51
Revenue growth%
25.51
25.28
26.05
26.78
25.62
24.78
24.70
23.49
23.08
24.76
3.47
24.70
25.03
14
27.61
NIM%
22.05
24.27
25.86
26.08
28.02
30.02
27.78
26.93
25.08
26.27
17.69
26.93
26.17
37
4.56
Effic. R.%
0.55
0.40
1.98
0.40
0.40
0.40
2.95
1.26
1.55
1.85
24.33
1.55
0.90
71
24.93
Net margin%
21.77
23.04
20.81
23.52
22.10
24.26
21.87
24.84
24.85
22.83
4.09
24.26
22.93
25
24.66
P/E ratio (avg)x
18.10
20.75
20.66
22.70
23.45
26.28
27.29
28.82
28.93
29.89
8.784
28.82
24.86
6
28.91
P/TBVx
13.76
14.43
14.11
15.40
16.29
16.70
17.61
19.87
20.74
23.37
20.48
19.87
16.50
55
34.60
P/Bx
31.80
31.48
35.05
39.10
40.41
40.66
43.09
41.17
43.90
43.52
20.47
43.09
40.53
29
22.19
NII$M
14.12
14.49
14.51
14.69
14.57
14.03
14.02
13.95
14.16
14.16
4.074
(0.57%)
(0.31%)
—
20.95
NII grth%
22.40
24.76
26.99
25.02
26.58
24.67
23.35
24.89
26.78
25.30
8.33
24.89
24.96
48
6.07
ROTE%
24.31
26.13
26.62
27.72
29.17
27.51
24.85
27.32
26.31
28.28
8.83
27.32
26.97
45
11.34
Return on equity%
7.03
6.91
4.61
4.83
3.83
6.45
9.06
11.64
9.25
12.11
20.40
9.25
6.97
87
23.60
Return on assets%
31.36
29.10
27.01
24.27
26.46
28.75
27.99
28.25
26.46
27.59
28.22
27.99
27.79
53
1.30
EPS$
1.20
1.39
1.34
1.52
1.49
1.65
1.55
1.73
1.91
1.85
1.44
4.43%
4.89%
—
18.85
EPS growth%
15.85
14.96
16.30
16.61
19.52
16.58
18.39
16.70
15.21
13.25
15.79
16.58
16.44
16
2.36
Bookvalue per sh$
0.71
0.69
0.71
0.70
0.67
0.67
0.73
0.73
0.66
0.59
1.25
(2.51%)
(0.99%)
—
0.47
TBV/sh$
1.94
2.01
2.12
2.06
2.03
2.09
1.90
2.05
1.92
1.75
0.90
(2.89%)
(1.61%)
—
0.69
Dividend per sh$
0.76
0.82
0.82
0.72
0.64
0.57
0.57
0.51
0.50
0.44
0.98
(7.02%)
(5.54%)
—
4.04
Div yield (avg)%
25.24
25.83
23.25
26.00
23.96
25.57
24.13
24.94
27.04
27.10
15.44
25.57
25.41
53
13.01
Payout ratio%
11.83
13.05
10.41
12.96
11.79
13.06
14.45
11.93
14.32
14.00
22.65
14.00
13.01
37
7.124
Shares (diluted)M
9.099
9.369
9.232
9.455
10.67
12.07
13.84
12.89
12.73
13.23
7.441
4.39%
5.24%
38
24.51
Buyback yield%
8.17
10.72
11.85
13.50
12.49
11.19
12.18
9.21
11.14
9.30
13.85
11.14
11.17
86
41.55
Eq/Assets%
204.84
247.05
249.76
251.31
282.46
331.83
350.37
402.72
445.92
522.31
46.53
402.72
307.14
55
19.76
Assets$M
69.38
78.74
80.31
89.31
100.1
113.4
122.8
133.0
144.3
162.4
5.346
10.17%
9.39%
58
1.189
LT debt$M
22.49
24.50
28.20
28.76
32.05
31.04
30.09
28.43
27.33
26.90
20.77
(3.44%)
2.35%
25
Total assets
$162.4M
9.39%
2.53×
Revenue
$23.02M
(0.29%)
1.00×
Non-interest expense
$12.06M
(0.15%)
1.01×
Net interest income
61.53%
Non-interest income
38.47%