0.609
Revenue$M
3.668
4.062
4.413
4.886
5.360
5.713
6.158
6.584
7.055
7.608
0.663
7.26%
8.36%
62
23.05
Revenue growth%
21.09
21.37
19.34
19.01
19.16
19.00
17.51
15.87
15.23
12.59
5.46
15.87
19.01
41
12.40
NIM%
9.67
11.29
10.85
8.78
8.32
6.63
4.65
5.95
5.10
5.52
21.09
5.52
7.47
34
23.61
Effic. R.%
24.45
26.16
27.01
24.31
25.62
24.84
23.06
24.83
22.08
19.23
12.23
23.06
24.64
38
27.79
Net margin%
10.35
10.89
12.25
11.54
8.95
9.91
9.13
6.90
9.01
9.20
20.46
9.13
9.56
11
17.11
P/E ratio (avg)x
17.29
20.33
23.56
28.61
31.86
37.81
40.25
43.15
46.68
52.86
33.24
43.15
34.83
78
29.71
P/TBVx
27.28
27.00
29.09
32.52
34.49
36.37
35.11
35.19
36.26
38.95
32.73
36.26
34.80
68
34.17
P/Bx
41.52
40.38
42.06
47.51
55.45
58.91
61.86
68.28
77.66
91.06
7.048
68.28
57.18
64
3.852
NII$M
2.579
2.871
3.129
3.519
3.811
4.089
4.408
4.697
4.989
5.394
6.951
7.20%
8.45%
—
10.58
NII grth%
4.04
1.71
2.76
3.75
4.00
5.59
8.02
7.36
8.87
8.67
8.69
8.02
4.82
66
17.23
ROTE%
23.49
22.38
23.35
22.41
23.87
21.72
24.06
22.48
25.30
27.34
25.63
24.06
23.42
24
19.96
Return on equity%
27.15
24.91
25.00
24.39
24.46
27.37
25.85
28.57
29.49
27.92
21.37
27.92
26.50
42
23.96
Return on assets%
0.40
0.40
1.86
0.40
1.68
2.84
3.58
3.43
3.60
4.11
25.65
3.58
2.35
50
0.03
EPS$
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.03
0.03
7.23%
3.17%
—
28.53
EPS growth%
17.27
19.55
17.58
15.61
13.93
11.02
9.71
11.43
13.22
14.02
7.03
11.43
13.98
85
0.01
Bookvalue per sh$
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.80%
(0.13%)
—
0.03
TBV/sh$
0.04
0.04
0.04
0.04
0.05
0.05
0.06
0.06
0.07
0.08
0.01
10.40%
8.83%
—
0.03
Dividend per sh$
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.02
(3.66%)
(5.37%)
—
3.06
Div yield (avg)%
21.13
21.22
19.60
17.01
16.46
18.81
20.28
17.86
20.33
20.78
24.69
20.28
19.94
30
12.11
Payout ratio%
8.47
6.26
7.02
9.77
10.78
12.02
10.47
9.37
9.01
7.78
10.90
9.37
9.19
78
90.69
Shares (diluted)M
153.2
166.5
167.0
196.5
208.2
208.3
230.0
254.1
301.1
328.6
92.99
9.55%
9.25%
63
22.99
Buyback yield%
22.55
24.22
23.00
20.27
19.33
18.54
16.78
15.34
17.93
16.46
3.67
16.78
18.94
11
176.94
Eq/Assets%
15.17
16.03
14.39
13.80
13.16
13.35
11.57
10.63
9.80
9.50
124.07
10.63
13.25
28
1.074
Assets$M
19.16
20.92
23.62
25.60
27.24
29.72
30.86
32.61
36.67
38.38
6.839
7.10%
7.66%
44
0.338
LT debt$M
1.940
1.762
1.935
2.085
2.029
1.852
1.979
2.079
2.226
2.256
1.635
2.15%
1.68%
79
Total assets
$38.38M
7.66%
0.94×
Revenue
$7.608M
8.36%
1.00×
Non-interest expense
$4.292M
8.36%
1.00×
Net interest income
70.89%
Non-interest income
29.11%