16.14
Revenue$M
9.753
10.65
11.50
12.20
13.00
13.70
14.43
15.26
16.68
17.65
16.87
6.30%
6.88%
9
27.33
Revenue growth%
3.12
0.40
0.40
3.31
5.44
5.33
6.50
6.92
4.84
3.55
13.27
5.33
4.19
76
17.83
NIM%
11.56
14.37
12.88
10.34
9.60
7.19
4.38
5.31
3.25
5.30
15.35
5.30
8.40
53
27.14
Effic. R.%
22.80
20.30
22.34
21.19
22.63
24.76
26.60
25.00
27.58
27.34
21.62
26.60
23.78
89
9.64
Net margin%
25.49
27.94
29.99
30.93
28.46
25.70
25.67
26.85
27.14
24.60
23.63
25.70
26.99
37
7.363
P/E ratio (avg)x
21.86
25.23
27.33
27.62
32.60
34.17
39.97
45.81
52.13
58.30
25.67
45.81
33.39
91
28.80
P/TBVx
63.24
72.56
84.04
98.62
103.5
110.5
129.1
147.0
163.1
195.8
21.23
147.0
107.0
28
6.674
P/Bx
25.24
24.06
22.93
24.60
26.30
27.75
26.71
29.75
32.05
31.79
28.99
29.75
26.51
70
7.312
NII$M
7.711
8.569
9.189
9.840
10.36
10.83
11.51
12.20
13.31
14.00
1.599
6.20%
6.77%
—
5.08
NII grth%
0.93
3.39
3.44
3.25
3.37
4.16
5.58
5.20
4.91
4.46
29.69
4.91
3.80
63
15.80
ROTE%
14.44
16.93
15.44
16.23
14.90
15.48
15.17
13.46
15.85
15.50
26.38
15.48
15.46
31
23.07
Return on equity%
20.56
20.18
18.91
21.08
18.18
16.41
14.51
14.97
13.99
14.58
6.69
14.58
17.29
91
5.23
Return on assets%
27.79
28.87
30.81
32.21
31.39
29.48
30.04
33.00
34.46
36.58
4.38
33.00
31.10
12
0.86
EPS$
1.34
1.34
1.40
1.48
1.41
1.52
1.60
1.57
1.48
1.44
0.92
0.50%
0.05%
—
21.90
EPS growth%
4.34
1.65
0.40
3.03
2.26
1.90
2.80
3.71
4.28
4.01
12.07
3.71
2.91
20
1.48
Bookvalue per sh$
1.29
1.37
1.33
1.32
1.26
1.34
1.44
1.53
1.59
1.49
1.63
3.54%
1.19%
—
1.07
TBV/sh$
0.82
0.74
0.71
0.63
0.60
0.52
0.45
0.49
0.48
0.49
0.91
(3.84%)
(5.73%)
—
1.54
Dividend per sh$
0.58
0.66
0.74
0.75
0.84
0.84
0.83
0.80
0.89
0.93
1.13
1.99%
5.72%
—
20.93
Div yield (avg)%
15.27
12.52
11.68
12.77
13.41
10.82
8.86
9.58
6.64
7.70
26.95
8.86
11.25
11
14.84
Payout ratio%
11.19
13.95
13.01
12.38
13.11
10.27
9.61
10.91
10.31
8.57
24.84
10.27
11.05
12
2.611
Shares (diluted)M
3.688
3.625
3.935
4.386
5.137
5.264
5.621
6.573
6.412
6.440
2.764
4.63%
7.25%
85
26.99
Buyback yield%
11.95
8.95
9.34
7.56
8.72
8.11
10.33
10.44
12.28
14.24
3.59
10.44
9.84
51
58.34
Eq/Assets%
70.74
74.52
81.21
84.43
83.90
99.13
109.20
116.15
115.81
111.65
167.42
111.65
91.78
23
4.562
Assets$M
38.20
42.01
45.58
48.45
52.60
56.89
61.73
66.44
73.79
78.68
5.208
8.39%
8.40%
63
13.98
LT debt$M
9.113
9.986
10.83
10.14
10.40
9.590
8.965
8.987
9.741
9.057
6.878
(2.73%)
0.41%
66
Total assets
$78.68M
8.40%
1.15×
Revenue
$17.65M
6.88%
1.00×
Non-interest expense
$9.649M
7.06%
1.02×
Net interest income
79.33%
Non-interest income
20.67%