24.79
Revenue$M
42.69
45.94
48.15
51.33
55.33
58.43
62.00
66.42
69.04
72.61
25.85
5.59%
6.33%
37
13.53
Revenue growth%
7.45
6.96
4.27
1.54
2.64
3.19
2.10
1.14
3.25
4.05
21.55
3.19
3.22
82
7.51
NIM%
7.47
5.54
8.39
5.60
2.79
4.56
2.95
1.25
3.86
1.13
28.22
2.95
4.21
26
7.00
Effic. R.%
16.35
16.93
18.06
16.23
18.18
19.81
21.58
19.92
19.84
19.18
29.65
19.84
18.68
26
13.62
Net margin%
5.21
3.01
1.63
0.40
0.40
2.58
0.40
0.73
2.20
0.40
11.89
0.73
1.18
19
27.63
P/E ratio (avg)x
51.01
50.21
47.50
54.79
58.30
53.98
57.38
60.42
67.82
77.86
34.66
60.42
56.09
38
9.035
P/TBVx
37.48
37.69
40.20
41.98
43.57
45.72
47.13
48.48
56.04
57.54
19.19
48.48
44.64
14
16.67
P/Bx
21.32
23.93
21.82
24.17
25.93
24.53
24.94
27.33
29.97
31.29
9.083
27.33
24.73
37
25.41
NII$M
32.74
35.12
36.90
39.61
42.39
45.25
47.50
50.94
53.39
56.78
8.311
6.02%
6.36%
—
12.85
NII grth%
24.39
23.19
25.89
25.52
27.27
25.65
23.62
21.41
18.93
16.51
29.69
21.41
24.01
86
5.97
ROTE%
30.48
31.25
30.01
31.73
32.10
33.12
32.72
32.65
30.24
29.19
18.23
32.65
31.49
15
16.22
Return on equity%
26.55
28.82
28.47
27.62
24.73
22.03
24.24
21.61
20.41
20.15
4.85
21.61
24.48
42
12.57
Return on assets%
31.57
30.31
28.87
28.19
27.16
26.21
23.58
22.83
25.76
27.04
14.12
25.76
27.10
40
5.63
EPS$
1.76
2.01
2.29
2.37
2.62
2.60
2.53
2.68
2.69
2.56
5.77
(0.51%)
4.12%
—
11.62
EPS growth%
26.64
25.44
25.82
26.08
24.77
22.39
22.55
21.38
21.82
22.31
26.11
22.31
23.66
43
5.11
Bookvalue per sh$
4.29
4.23
4.27
4.20
4.28
4.63
4.50
4.22
4.55
4.78
3.76
2.21%
(0.30%)
—
5.87
TBV/sh$
2.94
3.44
3.52
3.37
3.73
3.70
4.33
4.13
4.06
4.48
4.08
3.71%
5.08%
—
5.95
Dividend per sh$
4.37
4.58
4.28
4.85
5.46
5.68
5.92
6.58
6.75
6.69
5.79
4.16%
4.23%
—
22.03
Div yield (avg)%
11.80
13.84
14.89
13.51
12.16
13.64
13.56
14.55
15.75
13.62
28.92
13.64
13.63
6
19.08
Payout ratio%
12.77
12.42
12.88
11.07
11.38
13.23
13.74
14.27
12.49
14.48
7.87
13.74
12.83
77
7.643
Shares (diluted)M
10.80
10.52
10.61
11.79
13.02
13.57
14.04
14.67
15.85
16.75
7.708
5.17%
5.75%
82
29.41
Buyback yield%
18.92
19.84
16.86
18.16
20.18
18.66
20.59
22.56
20.51
18.44
10.92
20.51
19.38
50
134.10
Eq/Assets%
76.32
71.42
80.84
83.75
88.34
80.24
79.49
80.63
89.41
86.92
52.15
80.63
80.73
41
19.33
Assets$M
103.4
111.4
127.7
134.1
145.0
155.1
169.3
183.3
201.7
217.6
25.95
8.46%
8.63%
77
13.12
LT debt$M
17.11
16.00
15.08
13.09
11.97
10.22
10.75
9.167
8.471
8.236
13.59
(7.20%)
(7.16%)
69
Total assets
$217.6M
8.63%
1.24×
Revenue
$72.61M
6.33%
1.00×
Non-interest expense
$38.58M
6.16%
0.98×
Net interest income
78.19%
Non-interest income
21.81%