27.43
Revenue$M
16.54
17.20
17.69
18.47
19.31
19.89
20.99
22.08
23.34
24.17
28.52
4.59%
4.22%
22
10.63
Revenue growth%
12.63
11.53
12.31
9.64
7.17
8.86
11.68
9.74
7.47
7.58
27.79
8.86
9.69
27
25.71
NIM%
18.04
19.38
16.61
18.89
18.47
18.01
18.71
20.98
18.05
17.19
8.07
18.05
18.26
51
12.73
Effic. R.%
8.98
11.25
13.46
12.12
12.91
11.32
10.60
9.49
8.27
10.94
11.53
10.60
11.09
71
21.00
Net margin%
21.17
21.83
21.31
22.88
25.15
26.78
28.22
29.41
26.52
27.11
11.70
27.11
25.84
30
19.48
P/E ratio (avg)x
21.73
20.62
23.51
25.18
26.83
28.77
29.64
33.01
35.68
36.71
20.96
33.01
27.80
28
25.92
P/TBVx
5.118
4.702
4.949
5.111
5.373
5.147
5.198
4.733
4.620
4.515
30.02
4.733
5.030
85
35.47
P/Bx
37.29
39.89
38.36
41.24
40.02
44.23
39.29
34.90
37.56
35.46
12.61
37.56
38.83
70
25.87
NII$M
12.41
12.89
13.34
13.82
14.52
14.86
16.05
16.79
17.80
18.25
26.90
4.68%
4.20%
—
27.96
NII grth%
18.94
18.38
16.40
13.53
13.44
10.89
8.37
8.05
5.44
7.99
17.42
8.05
12.17
66
6.81
ROTE%
16.90
14.88
16.61
16.45
14.67
12.56
11.65
10.81
9.26
6.68
25.09
10.81
13.62
92
2.44
Return on equity%
16.95
16.73
17.02
16.86
16.20
14.06
14.18
16.65
14.69
12.08
11.74
14.18
16.42
69
14.13
Return on assets%
14.68
12.73
15.51
17.58
18.11
20.68
22.17
20.00
21.64
19.61
21.54
20.68
18.86
57
0.72
EPS$
0.73
0.71
0.68
0.68
0.71
0.67
0.73
0.83
0.90
0.87
0.77
4.04%
2.20%
—
10.50
EPS growth%
4.78
6.23
5.56
7.01
4.42
3.21
1.41
0.40
2.66
2.06
18.92
2.06
3.81
80
1.10
Bookvalue per sh$
0.81
0.76
0.71
0.66
0.71
0.70
0.75
0.74
0.68
0.64
0.46
(1.85%)
(2.70%)
—
0.93
TBV/sh$
1.68
1.65
1.90
1.80
1.79
1.73
1.93
2.28
2.56
2.51
0.46
6.96%
3.68%
—
0.74
Dividend per sh$
1.38
1.30
1.30
1.21
1.04
1.06
1.04
0.98
0.93
0.87
0.44
(3.48%)
(5.05%)
—
11.81
Div yield (avg)%
14.99
17.16
14.72
11.80
12.03
11.19
8.29
8.70
10.09
8.99
8.66
8.99
11.49
52
24.80
Payout ratio%
7.66
6.82
6.95
9.04
11.18
9.63
12.50
11.35
12.65
13.24
20.68
12.50
10.41
15
5.694
Shares (diluted)M
7.017
6.230
5.972
6.466
6.951
6.597
6.345
6.734
6.786
6.356
5.727
(1.77%)
(0.41%)
6
15.40
Buyback yield%
22.66
20.38
17.65
17.59
18.16
15.89
17.67
15.29
13.39
15.20
25.72
15.29
17.62
75
60.80
Eq/Assets%
168.25
185.26
188.19
174.63
161.60
149.90
148.91
147.60
147.58
163.31
66.45
148.91
162.45
47
23.40
Assets$M
19.03
20.51
21.80
23.78
25.80
27.73
29.01
30.34
33.84
38.20
6.458
8.16%
8.31%
90
19.91
LT debt$M
12.19
10.62
9.797
10.49
10.10
9.109
9.872
10.06
8.922
7.686
26.66
(5.31%)
(4.13%)
12
Total assets
$38.20M
8.31%
1.47×
Revenue
$24.17M
4.22%
1.00×
Non-interest expense
$12.00M
4.07%
0.99×
Net interest income
75.50%
Non-interest income
24.50%