23.13
Revenue$M
28.55
29.39
30.77
30.95
31.65
31.83
33.10
34.29
35.19
36.94
24.55
3.14%
2.77%
13
14.38
Revenue growth%
16.61
16.04
17.15
15.13
16.29
15.84
18.08
20.52
19.89
18.03
3.20
18.08
16.88
61
7.84
NIM%
14.97
12.84
13.66
11.85
12.20
9.99
12.66
13.97
16.33
15.50
14.70
13.97
13.25
59
2.88
Effic. R.%
17.14
15.25
14.12
12.00
12.69
14.22
16.18
18.26
15.36
16.14
9.84
16.14
15.31
14
2.52
Net margin%
5.98
4.44
5.29
5.96
5.44
3.93
1.36
2.88
3.08
5.94
19.37
3.08
4.86
58
30.89
P/E ratio (avg)x
51.03
51.75
59.88
56.46
65.17
65.56
62.23
69.38
75.77
82.20
12.09
69.38
63.70
15
11.57
P/TBVx
10.19
10.43
11.85
11.07
11.08
10.57
10.24
9.921
9.931
11.25
28.19
10.24
10.50
23
21.54
P/Bx
28.78
28.16
29.71
28.11
25.01
25.98
27.52
30.97
34.62
34.79
30.01
30.97
28.47
56
9.264
NII$M
20.08
21.10
22.02
21.74
22.23
22.36
23.26
24.51
25.12
26.18
28.69
3.33%
2.63%
—
19.13
NII grth%
13.39
10.39
11.54
14.45
13.38
10.80
8.34
11.03
9.67
9.80
8.74
9.80
10.91
41
24.60
ROTE%
13.60
13.32
10.68
10.87
11.26
14.12
15.82
17.68
17.30
15.11
13.84
15.82
13.86
47
26.20
Return on equity%
31.82
32.98
32.38
33.24
34.47
35.75
35.17
36.61
36.55
34.48
16.53
35.75
34.48
83
7.17
Return on assets%
27.69
28.22
26.93
24.53
23.06
20.81
23.77
26.19
28.21
25.36
11.93
25.36
25.77
44
1.06
EPS$
3.92
4.65
5.34
5.24
5.08
5.15
5.80
6.01
6.86
6.61
1.13
5.41%
6.96%
—
29.02
EPS growth%
6.91
8.43
9.39
7.98
5.21
2.83
3.00
3.96
4.92
7.44
10.30
3.96
6.06
76
2.40
Bookvalue per sh$
2.52
2.50
2.77
2.62
2.47
2.67
2.51
2.36
2.63
2.95
2.06
3.65%
2.69%
—
2.13
TBV/sh$
0.36
0.35
0.32
0.31
0.28
0.27
0.27
0.24
0.27
0.25
2.37
(2.87%)
(4.52%)
—
0.59
Dividend per sh$
4.16
4.56
4.94
5.69
5.83
6.09
6.67
6.46
6.36
6.81
1.67
3.16%
6.51%
—
22.41
Div yield (avg)%
11.38
13.53
14.83
15.51
17.84
18.22
19.70
19.84
20.03
22.98
29.50
19.84
18.03
83
22.69
Payout ratio%
6.49
8.76
10.93
8.41
11.40
13.80
14.75
15.88
18.44
20.38
20.45
15.88
12.60
66
6.883
Shares (diluted)M
6.536
6.952
7.520
7.148
7.010
7.040
7.510
6.993
7.830
8.606
6.890
4.19%
2.88%
65
19.20
Buyback yield%
28.23
25.60
25.12
23.13
21.93
22.35
24.07
21.13
23.85
22.43
12.10
22.43
23.49
24
146.76
Eq/Assets%
142.11
128.69
117.53
126.22
120.42
119.00
119.64
103.76
102.89
108.09
112.98
108.09
119.32
42
5.468
Assets$M
35.69
38.53
39.94
44.38
45.99
51.59
57.19
61.97
64.65
73.66
2.248
9.88%
8.24%
65
19.34
LT debt$M
7.948
8.547
9.200
8.004
7.676
8.035
7.370
7.810
7.641
6.650
28.40
(2.83%)
(1.70%)
49
Total assets
$73.66M
8.24%
1.68×
Revenue
$36.94M
2.77%
1.00×
Non-interest expense
$17.70M
2.53%
0.98×
Net interest income
70.89%
Non-interest income
29.11%
Spread over hurdle
73.76%