10.28
Revenue$M
16.31
17.52
18.79
20.47
21.74
23.43
24.99
27.17
30.06
33.27
11.38
8.88%
8.41%
88
14.78
Revenue growth%
5.46
3.05
4.04
4.99
5.85
5.00
6.49
8.46
8.33
10.50
20.46
8.33
5.66
21
5.95
NIM%
17.22
14.45
17.11
19.05
16.70
14.36
11.82
9.19
11.24
11.67
11.75
11.67
14.40
68
25.86
Effic. R.%
10.29
11.27
13.57
13.17
10.41
12.22
14.12
15.74
17.24
18.17
28.08
15.74
13.37
59
25.52
Net margin%
20.46
19.46
21.45
23.76
25.12
22.48
22.06
24.33
27.26
25.97
17.34
24.33
23.12
7
9.187
P/E ratio (avg)x
22.72
25.10
27.64
26.78
29.79
34.26
34.53
38.79
36.74
34.51
28.40
34.53
32.02
40
24.73
P/TBVx
8.928
9.146
8.810
8.472
8.575
8.579
7.661
6.751
6.568
6.666
25.70
6.751
8.524
62
10.96
P/Bx
43.15
45.80
41.64
40.93
44.77
39.98
42.57
39.64
43.67
44.30
32.73
42.57
42.86
10
7.589
NII$M
11.39
12.24
13.40
14.57
15.19
16.69
17.61
19.11
21.45
23.54
23.90
9.15%
8.39%
—
10.11
NII grth%
31.32
32.00
33.96
31.34
32.70
32.43
33.40
30.86
33.45
34.42
11.56
33.40
32.56
6
7.91
ROTE%
19.28
18.91
18.69
20.66
22.03
24.17
23.50
20.75
20.16
23.02
6.42
23.02
20.70
69
29.88
Return on equity%
22.58
22.25
19.98
21.37
19.79
19.54
19.32
18.99
18.45
20.33
7.11
19.32
19.89
58
27.85
Return on assets%
24.15
21.68
21.70
20.54
23.36
21.88
24.09
25.36
25.15
23.53
28.34
24.09
23.45
21
0.69
EPS$
1.71
1.73
1.64
1.61
1.83
1.78
1.74
1.69
1.72
1.68
0.77
(1.71%)
0.74%
—
27.45
EPS growth%
16.50
13.78
10.91
10.48
9.62
7.20
5.81
3.02
0.60
2.25
4.84
3.02
8.41
9
2.03
Bookvalue per sh$
0.64
0.67
0.69
0.65
0.66
0.74
0.70
0.75
0.86
0.83
0.59
4.64%
2.34%
—
1.45
TBV/sh$
0.48
0.53
0.53
0.50
0.50
0.54
0.49
0.52
0.52
0.55
1.39
1.79%
0.95%
—
1.78
Dividend per sh$
1.82
2.08
2.23
2.14
1.98
2.12
2.12
2.21
2.29
2.48
1.37
4.62%
3.18%
—
2.47
Div yield (avg)%
25.40
27.18
26.47
27.25
24.33
22.74
23.22
24.37
24.45
25.61
11.21
24.37
24.93
57
16.25
Payout ratio%
15.38
13.80
15.94
15.29
17.39
18.06
16.96
17.44
18.86
19.55
23.39
18.06
17.18
57
9.284
Shares (diluted)M
8.965
9.758
10.77
10.81
11.21
11.59
12.12
11.22
10.69
11.55
9.556
0.58%
3.23%
12
8.19
Buyback yield%
6.64
6.52
5.28
5.42
3.65
5.16
4.71
7.27
10.20
8.65
24.11
7.27
5.97
74
10.18
Eq/Assets%
198.66
182.06
192.03
198.32
197.97
184.76
177.21
161.99
173.81
158.78
137.40
173.81
183.41
68
20.93
Assets$M
21.91
24.06
25.66
27.65
29.15
31.71
33.97
37.60
40.50
44.31
20.63
8.74%
8.00%
81
1.893
LT debt$M
10.18
11.80
13.25
15.43
16.39
18.65
18.57
20.44
23.16
27.96
26.92
11.28%
11.47%
55
Total assets
$44.31M
8.00%
0.96×
Revenue
$33.27M
8.41%
1.00×
Non-interest expense
$19.30M
8.20%
0.98×
Net interest income
70.74%
Non-interest income
29.26%
Spread over hurdle
48.76%