27.71
Revenue$M
15.68
16.34
17.22
18.14
18.70
18.91
19.93
20.25
21.35
21.68
29.23
3.00%
3.57%
44
24.13
Revenue growth%
20.30
17.60
20.46
20.80
22.15
21.45
18.93
20.35
18.27
19.87
12.16
19.87
20.32
46
2.73
NIM%
16.78
14.52
11.58
13.03
11.46
14.41
15.50
14.01
15.12
13.19
13.73
14.41
14.21
46
16.33
Effic. R.%
8.33
5.91
3.64
6.31
3.55
4.32
6.61
7.30
6.11
6.75
5.35
6.61
6.21
88
15.56
Net margin%
5.45
4.80
6.87
5.79
2.91
1.08
1.84
1.10
0.40
1.99
19.91
1.10
2.45
70
14.81
P/E ratio (avg)x
15.10
16.29
15.02
16.73
16.71
18.32
17.82
17.65
16.11
17.73
18.85
17.73
16.72
26
18.46
P/TBVx
4.726
4.110
4.191
4.137
4.030
3.619
3.777
3.573
3.476
3.636
20.08
3.619
3.904
19
24.34
P/Bx
15.05
14.53
13.51
12.79
14.21
16.05
16.81
17.76
17.80
19.07
20.63
17.76
15.55
23
22.50
NII$M
11.04
11.36
12.28
12.92
13.14
13.44
14.08
14.40
15.11
15.14
27.95
2.88%
3.56%
—
24.76
NII grth%
20.86
21.37
20.87
19.06
20.01
17.71
20.01
19.64
20.56
20.21
9.42
20.01
20.11
16
4.63
ROTE%
15.36
14.23
13.49
14.26
15.42
13.26
12.71
13.41
14.20
12.61
21.85
13.26
13.84
23
4.78
Return on equity%
19.71
18.61
19.07
16.87
16.77
18.05
19.43
17.95
19.97
21.33
5.82
19.43
18.84
39
3.15
Return on assets%
24.28
25.88
27.19
29.17
28.00
26.21
25.14
26.05
24.57
23.41
5.00
25.14
25.96
85
3.41
EPS$
2.38
2.78
2.77
3.13
3.28
3.86
3.88
3.98
4.73
4.75
3.50
7.71%
8.02%
—
7.90
EPS growth%
2.46
1.01
1.91
1.74
1.99
1.64
1.33
1.57
3.01
3.78
14.15
1.64
1.82
15
0.85
Bookvalue per sh$
3.93
4.28
4.70
4.82
5.33
6.31
6.22
6.90
7.45
8.45
1.57
9.65%
9.43%
—
3.23
TBV/sh$
0.92
0.88
0.93
1.00
1.06
0.92
0.98
1.08
0.99
0.91
1.37
(2.89%)
(0.74%)
—
0.81
Dividend per sh$
3.67
4.25
4.92
5.09
6.15
6.96
8.10
9.01
9.33
9.77
2.38
9.70%
12.20%
—
8.90
Div yield (avg)%
19.76
22.23
19.60
19.08
18.09
17.44
17.07
15.03
12.43
11.53
3.43
15.03
17.76
21
12.03
Payout ratio%
11.41
13.81
14.52
13.27
13.25
12.32
11.63
8.67
10.37
12.62
18.12
11.63
12.47
76
5.037
Shares (diluted)M
4.995
4.852
4.420
3.954
4.134
4.031
3.926
3.680
3.895
4.156
4.856
0.11%
(2.49%)
94
22.78
Buyback yield%
13.58
11.37
13.66
12.02
11.77
10.41
11.72
14.31
15.31
17.79
8.80
14.31
12.80
82
110.16
Eq/Assets%
133.36
151.36
162.39
180.02
206.25
198.68
204.97
230.03
221.10
210.18
138.56
210.18
201.82
74
12.22
Assets$M
34.15
36.17
41.35
44.04
49.09
52.41
57.91
64.19
70.50
77.83
25.33
9.66%
9.62%
7
21.85
LT debt$M
19.24
19.81
23.35
26.11
28.71
31.83
32.06
31.89
34.08
33.38
5.879
3.06%
6.30%
24
Total assets
$77.83M
9.62%
1.76×
Revenue
$21.68M
3.57%
1.00×
Non-interest expense
$12.97M
3.50%
0.99×
Net interest income
69.84%
Non-interest income
30.16%