37.27
Revenue$M
33.79
35.10
36.77
38.87
40.73
42.66
43.63
45.66
48.14
49.60
41.72
4.02%
4.48%
93
20.47
Revenue growth%
14.79
14.23
12.09
15.09
16.21
17.73
16.54
17.71
15.81
14.54
21.66
16.54
15.45
40
17.49
NIM%
26.52
27.31
25.81
28.52
26.80
29.47
30.56
29.64
31.64
32.11
19.09
30.56
29.00
41
21.25
Effic. R.%
15.94
16.30
16.94
14.00
12.80
11.98
11.05
11.22
13.88
13.41
4.55
11.98
13.65
81
27.33
Net margin%
26.40
26.94
29.59
31.21
29.31
28.55
27.53
25.46
24.33
22.29
27.79
25.46
27.24
67
28.93
P/E ratio (avg)x
30.47
28.22
28.17
28.16
27.07
25.43
25.29
22.93
20.71
18.89
31.56
22.93
26.25
59
20.97
P/TBVx
23.36
20.86
20.69
19.13
17.55
16.21
14.81
12.77
10.92
10.57
36.26
12.77
16.88
92
6.646
P/Bx
34.94
37.27
40.24
44.61
43.19
40.09
38.08
38.21
35.36
36.59
27.54
38.08
38.14
74
38.47
NII$M
22.17
22.98
24.45
25.27
27.10
27.68
28.98
29.79
31.69
32.68
19.47
3.81%
4.39%
—
10.67
NII grth%
18.97
17.68
16.00
14.28
12.47
14.36
13.49
14.54
12.67
10.64
21.02
13.49
14.32
90
22.58
ROTE%
18.32
19.32
16.61
19.03
17.11
14.23
16.45
16.38
14.23
16.96
15.28
16.38
16.79
58
27.16
Return on equity%
0.40
1.03
0.40
0.86
0.40
3.09
5.90
3.28
1.29
1.95
24.14
3.09
1.16
21
15.46
Return on assets%
22.53
25.46
27.63
28.04
25.42
27.10
29.60
30.81
28.58
29.65
24.46
29.60
27.83
83
0.02
EPS$
0.09
0.10
0.11
0.12
0.12
0.12
0.14
0.14
0.16
0.16
0.02
5.43%
7.14%
—
2.59
EPS growth%
5.24
4.72
2.14
2.91
1.06
0.40
2.48
0.40
0.40
3.09
19.30
0.40
2.31
86
0.09
Bookvalue per sh$
0.02
0.02
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.07
5.36%
6.73%
—
0.10
TBV/sh$
0.04
0.05
0.04
0.04
0.03
0.04
0.03
0.03
0.03
0.03
0.08
(1.00%)
(2.47%)
—
0.03
Dividend per sh$
0.06
0.07
0.07
0.07
0.07
0.08
0.08
0.08
0.09
0.08
0.08
3.35%
2.64%
—
12.04
Div yield (avg)%
31.99
32.94
31.25
30.65
32.59
30.58
29.75
29.25
28.90
28.85
25.53
29.25
30.61
39
5.64
Payout ratio%
13.39
12.57
15.41
17.35
17.23
18.03
17.43
16.92
17.11
15.47
10.28
17.11
17.02
17
332.0
Shares (diluted)M
282.2
290.2
284.9
295.4
269.6
276.9
241.1
220.3
196.4
178.3
341.8
(7.94%)
(5.40%)
45
6.45
Buyback yield%
31.40
30.39
28.82
30.06
31.94
31.72
34.22
31.96
30.28
30.02
22.68
31.72
30.89
65
94.84
Eq/Assets%
169.50
181.65
168.91
189.03
201.07
221.75
247.98
226.37
224.91
206.84
94.90
224.91
203.96
13
13.72
Assets$M
135.0
140.8
148.0
164.0
178.5
188.2
202.7
220.1
242.5
263.2
13.71
8.08%
7.94%
19
38.35
LT debt$M
25.43
23.84
24.40
23.88
23.27
24.39
28.10
31.30
29.36
28.42
12.84
4.07%
0.43%
69
Total assets
$263.2M
7.94%
1.39×
Revenue
$49.60M
4.48%
1.00×
Non-interest expense
$26.34M
4.52%
1.00×
Net interest income
65.88%
Non-interest income
34.12%
Spread over hurdle
11.04%