0.062
Revenue$B
0.661
0.696
0.744
0.788
0.859
0.902
0.981
1.077
1.141
1.237
0.066
7.56%
7.05%
21
19.15
Revenue growth%
30.79
31.01
31.60
31.92
30.73
33.43
32.38
32.19
32.20
29.25
6.68
32.20
31.76
68
23.91
NIM%
15.54
18.34
16.71
18.85
17.20
20.05
18.68
18.25
16.28
17.56
13.26
18.25
17.90
84
20.05
Effic. R.%
24.04
24.80
23.66
22.61
25.49
24.08
24.30
22.90
20.80
20.76
10.96
22.90
23.85
43
7.63
Net margin%
32.87
30.79
28.79
26.21
26.93
26.25
25.15
25.17
25.02
27.32
16.20
25.17
26.59
53
36.49
P/E ratio (avg)x
16.12
16.55
15.64
16.82
15.91
17.15
19.96
19.56
19.37
19.88
17.11
19.56
16.98
82
31.49
P/TBVx
24.53
24.07
21.70
19.99
19.62
20.38
21.84
21.22
21.03
22.81
20.53
21.22
21.46
18
21.15
P/Bx
6.389
5.704
5.843
5.899
6.280
6.168
6.662
6.279
5.588
6.087
34.03
6.168
6.127
78
0.691
NII$B
0.428
0.449
0.480
0.517
0.553
0.587
0.639
0.694
0.740
0.791
1.009
7.42%
7.01%
—
29.04
NII grth%
9.27
11.96
10.65
9.88
7.02
8.24
8.79
7.96
5.12
3.09
28.49
7.96
8.51
90
9.15
ROTE%
11.92
13.38
11.89
9.13
7.38
4.70
6.44
5.31
7.92
9.87
8.54
6.44
8.52
37
15.21
Return on equity%
10.80
10.13
12.40
10.88
9.93
8.29
6.99
5.40
4.20
5.56
27.66
5.56
9.11
66
20.34
Return on assets%
6.85
9.57
6.86
4.21
3.38
4.76
7.24
8.20
11.12
12.97
5.75
8.20
7.05
64
15.71
EPS$
7.56
8.30
8.89
8.76
9.97
11.35
12.93
13.28
14.65
15.74
16.11
9.57%
9.17%
—
22.01
EPS growth%
16.37
15.69
15.50
13.55
11.61
14.19
11.29
10.47
10.71
10.83
29.96
10.83
12.58
91
5.88
Bookvalue per sh$
13.58
13.26
15.18
16.07
15.93
15.25
14.95
14.41
16.50
15.71
5.66
(0.27%)
2.55%
—
4.39
TBV/sh$
14.50
13.91
12.65
12.65
13.27
11.97
12.97
12.28
12.51
12.16
18.43
(1.73%)
(0.81%)
—
15.64
Dividend per sh$
17.77
15.98
17.77
19.65
21.30
21.49
20.37
18.30
18.75
21.05
18.12
(0.23%)
0.90%
—
6.38
Div yield (avg)%
29.21
31.62
30.17
29.54
27.52
28.16
30.67
30.00
31.46
33.78
24.66
30.67
30.09
20
20.48
Payout ratio%
0.40
0.40
0.40
0.40
0.40
2.16
0.40
0.40
1.33
0.40
3.11
0.40
0.40
40
20.47
Shares (diluted)M
26.55
30.68
31.48
36.72
43.07
43.82
43.53
48.36
54.53
54.96
20.80
4.99%
7.89%
77
3.26
Buyback yield%
0.40
0.40
0.40
0.40
0.40
2.17
4.63
7.51
7.17
7.96
29.72
7.17
1.29
70
84.75
Eq/Assets%
32.89
33.30
34.26
37.15
39.10
38.84
41.29
45.36
47.86
53.05
81.11
45.36
38.97
91
813.5
Assets$M
255.0
266.7
305.4
327.4
342.7
371.0
404.1
418.8
461.7
512.5
415.7
8.38%
7.51%
74
404.7
LT debt$M
106.3
92.77
90.99
92.37
86.39
83.80
72.32
73.78
77.71
74.21
659.1
(2.99%)
(2.83%)
48
Total assets
$512.5M
7.51%
1.04×
Revenue
$1.237B
7.05%
1.00×
Non-interest expense
$674.6M
7.05%
1.00×
Net interest income
63.91%
Non-interest income
36.09%
Return on capital
220.92%