MONETA Money Bank

MONETA's mortgage loans rose 124% yoy to CZK 97,629 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's mortgage loans reached CZK 97,629 mil in 2020-12-31, up 8.00% compared to the previous year. Czech banking ...

MONETA's retail loans rose 68.1% yoy to CZK 151,128 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's retail loans reached CZK 151,128 mil in the fourth quarter of 2020, up 3.66% compared to the previous year. ...

MONETA's net interest margin fell 24.3% yoy to 2.72% in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's net interest margin amounted to 2.72% in the fourth quarter of 2020, up from 2.53% when compared to the prev...

Profit Statement 2018 2019 2020
Net Interest Income CZK mil 7,409 7,925 8,282
Net Fee Income CZK mil 1,892 1,950 1,891
Other Income CZK mil 861 644 1,925
Total Revenues CZK mil 10,162 10,519 12,098
Staff Cost CZK mil 2,324 2,318 2,519
Operating Profit CZK mil 5,310 5,500 6,572
Provisions CZK mil 274 717 3,562
Net Profit CZK mil 4,200 4,019 2,601
Balance Sheet 2018 2019 2020
Interbank Loans CZK mil 33,436 23,485 22,872
Customer Loans CZK mil 140,123 156,409 226,072
Debt Securities CZK mil 20,780 25,972 35,917
Total Assets CZK mil 206,932 219,053 300,958
Shareholders' Equity CZK mil 25,237 24,411 27,050
Interbank Borrowing CZK mil 10,716 7,091 1,977
Customer Deposits CZK mil 168,792 181,523 258,906
Issued Debt Securities CZK mil 0 2,006 7,393
Ratios 2018 2019 2020
ROE % 16.5 16.2 10.1
ROA % 2.07 1.89 1.00
Costs (As % Of Assets) % 2.39 2.36 2.13
Costs (As % Of Income) % 47.7 47.7 45.7
Capital Adequacy Ratio % 16.4 18.0 18.2
Net Interest Margin % 3.64 3.72 3.19
Loans (As % Of Deposits) % 83.0 86.2 87.3
NPLs (As % Of Loans) % 2.80 1.80 2.30
Provisions (As % Of NPLs) % 99.9 109 110
Valuation 2018 2019 2020
Market Capitalisation (End Of Period) USD mil 1,649 1,920 1,393
Share Price (End Of Period) 72.5 85.0 68.0
Price/Earnings (P/E) 8.82 10.8 13.4
Price/Book Value (P/BV) 1.47 1.78 1.28
Dividend Yield % 8.48 7.82 5.61
Earnings Per Share (EPS) 8.22 7.86 5.09
Book Value Per Share 49.4 47.8 52.9
Dividend Per Share 6.15 6.65 3.82

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summary Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
income statement                                                        
Net Interest Income CZK mil ... ...                             9,385 9,310 8,305 7,364 7,409              
Total Revenues CZK mil ... ...                             12,631 12,102 11,058 10,241 10,162              
Operating Profit CZK mil ... ...                             7,183 6,569 5,974 5,388 5,310              
Net Profit CZK mil ...                               4,180 4,506 4,054 3,923 4,200              
balance sheet                                                        
Interbank Loans CZK mil ... ...                             533 139 189 53,380 33,436              
Customer Loans CZK mil ... ...                             107,197 108,437 111,860 123,680 140,123              
Debt Securities CZK mil ... ...                             20,401 13,277 13,775 11,828 20,780              
Total Assets CZK mil ...                               143,403 140,037 149,379 199,734 206,932              
                                                           
Shareholders' Equity CZK mil ... ...                             42,583 27,839 27,268 25,763 25,237              
Interbank Borrowing CZK mil ... ...                             247 289 2,657 29,643 10,716              
Customer Deposits CZK mil ...                               97,006 108,698 116,252 141,469 168,792              
Issued Debt Securities CZK mil ... ... ... ...                         16.0 8.00 7.00 68.0 0              
ratios                                                        
ROE % ... ...                             10.4 12.8 14.7 14.8 16.5              
ROA % ...                               3.01 3.18 2.80 2.25 2.07              
Costs (As % Of Assets) % ... ...                             3.92 3.90 3.51 2.78 2.39              
Costs (As % Of Income) % ... ...                             43.1 45.7 46.0 47.4 47.7              
Capital Adequacy Ratio %                                 27.8 17.7 20.5 17.4 16.4              
Net Interest Margin % ... ...                             6.75 6.57 5.74 4.22 3.64              
Interest Income (As % Of Revenues) % ... ...                             74.3 76.9 75.1 71.9 72.9              
Fee Income (As % Of Revenues) % ... ...                             21.2 19.3 17.7 18.9 18.6              
Staff Cost (As % Of Total Cost) % ... ...                             36.5 40.5 44.5 50.6 47.9              
Equity (As % Of Assets) % ... ...                             29.7 19.9 18.3 12.9 12.2              
Loans (As % Of Deposits) % ... ...                             111 99.8 96.2 87.4 83.0              
Loans (As % Assets) % ... ...                             74.8 77.4 74.9 61.9 67.7              
NPLs (As % Of Loans) % ... ...                             12.9 11.7 5.97 4.10 2.80              
Provisions (As % Of NPLs) % ... ...                             83.0 84.0 87.6 76.8 99.9              
valuation                                                        
Market Capitalisation (End Of Period) USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,594 1,975 1,649              
Number Of Shares (Average) mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 510 511 511 511              
Share Price (End Of Period) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 80.0 82.4 72.5              
Earnings Per Share (EPS) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.84 7.93 7.68 8.22              
Book Value Per Share ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 54.6 53.4 50.4 49.4              
Dividend Per Share ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.84 9.80 8.00 6.15              
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10.1 10.7 8.82              
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.50 1.63 1.47              
Dividend Yield % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 12.3 9.71 8.48              
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -10.2 -3.23 7.06              
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -2.24 -5.52 -2.04              
income statement Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
income statement                                                        
Interest Income CZK mil ... ...                             9,670 9,522 8,494 7,582 7,820              
Interest Cost CZK mil ... ...                             285 212 189 218 411              
Net Interest Income CZK mil ... ...                             9,385 9,310 8,305 7,364 7,409              
Net Fee Income CZK mil ... ...                             2,674 2,336 1,961 1,933 1,892              
Other Income CZK mil ... ...                             572 456 792 944 861              
Total Revenues CZK mil ... ...                             12,631 12,102 11,058 10,241 10,162              
Staff Cost CZK mil ... ...                             1,991 2,243 2,263 2,456 2,324              
Depreciation CZK mil ... ...                             479 520 310 414 610              
Other Cost CZK mil ... ...                             2,978 2,770 2,511 1,983 1,918              
Operating Cost CZK mil ... ...                             5,448 5,533 5,084 4,853 4,852              
Operating Profit CZK mil ... ...                             7,183 6,569 5,974 5,388 5,310              
Provisions CZK mil ... ...                             1,742 849 927 381 274              
Extra and Other Cost CZK mil ... ...                             0 0 0 104 0              
Pre-Tax Profit CZK mil ... ...                             5,441 5,720 5,047 4,903 5,036              
Tax CZK mil ... ...                             1,261 1,214 993 980 836              
Minorities CZK mil ... ...                             0 0 0 0 0              
Net Profit CZK mil ...                               4,180 4,506 4,054 3,923 4,200              
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 19,700 4,506 5,008 4,088 3,143              
growth rates                                                        
Net Interest Income Growth % ... ... ...                           -4.51 -0.799 -10.8 -11.3 0.611              
Net Fee Income Growth % ... ... ...                           -15.3 -12.6 -16.1 -1.43 -2.12              
Total Revenue Growth % ... ... ...                           -6.95 -4.19 -8.63 -7.39 -0.771              
Operating Cost Growth % ... ... ...                           -2.35 1.56 -8.11 -4.54 -0.021              
Operating Profit Growth % ... ... ...                           -10.2 -8.55 -9.06 -9.81 -1.45              
Pre-Tax Profit Growth % ... ... ...                           0 5.13 -11.8 -2.85 2.71              
Net Profit Growth % ... ...                             -1.85 7.80 -10.0 -3.23 7.06              
market share                                                        
Market Share in Revenues % ... ...                             7.52 6.95 6.14 5.72 5.34 ... ... ... ... ... ... ...
Market Share in Net Profit % ... ...                             6.63 6.79 5.51 5.21 5.16 ... ... ... ... ... ... ...
Market Share in Employees %                                 7.79 7.47 7.59 7.91 7.47 ... ... ... ... ... ... ...
Market Share in Bank Cards % ... ... ...             ... ...   ... ...     9.33 ... ... ... ... ... ... ... ... ... ... ...
Market Share in Debit Cards % ... ... ...                   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Credit Cards % ... ... ... ... ... ... ... ... ... ... ...     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Branches %                                 11.0 10.9 11.2 11.7 10.3 ... ... ... ... ... ... ...
balance sheet Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
balance sheet                                                        
Cash CZK mil ... ...                             11,746 15,475 20,235 7,127 8,139              
Interbank Loans CZK mil ... ...                             533 139 189 53,380 33,436              
Customer Loans CZK mil ... ...                             107,197 108,437 111,860 123,680 140,123              
Retail Loans CZK mil ... ...                             66,491 63,882 65,185 61,984 74,799              
Mortgage Loans CZK mil ... ...                             16,850 15,387 15,571 20,338 31,365              
Consumer Loans CZK mil ... ...                             36,806 35,933 42,639 34,969 43,434              
Corporate Loans CZK mil ... ...                             40,706 44,555 46,675 61,696 65,319              
Debt Securities CZK mil ... ...                             20,401 13,277 13,775 11,828 20,780              
Fixed Assets CZK mil ... ... ... ... ...                       646 914 744 871 3,085              
Total Assets CZK mil ...                               143,403 140,037 149,379 199,734 206,932              
                                                           
Shareholders' Equity CZK mil ... ...                             42,583 27,839 27,268 25,763 25,237              
Of Which Minority Interest CZK mil ... ...                             0 0 0 0 0              
Liabilities CZK mil ... ...                             100,820 112,198 122,111 173,971 181,695              
Interbank Borrowing CZK mil ... ...                             247 289 2,657 29,643 10,716              
Customer Deposits CZK mil ...                               97,006 108,698 116,252 141,469 168,792              
Retail Deposits CZK mil ... ...                             69,182 73,465 73,167 83,021 94,448              
Corporate Deposits CZK mil ... ...                             19,720 24,001 42,401 48,503 54,428              
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   93,730 102,515 67,491 76,408 85,475     ... ... ... ... ...
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   2,658 5,639 48,077 55,116 83,317     ... ... ... ... ...
Issued Debt Securities CZK mil ... ... ... ...                         16.0 8.00 7.00 68.0 0              
Other Liabilities CZK mil ... ... ... ...                         3,551 3,203 3,195 2,791 2,187              
asset quality                                                        
Non-Performing Loans CZK mil ... ...                             15,547 14,023 7,047 5,236 3,923              
Gross Loans CZK mil ... ...                             120,097 120,215 118,035 127,700 140,118              
Total Provisions CZK mil ... ...                             12,900 11,778 6,175 4,020 3,919              
growth rates                                                        
Customer Loan Growth % ... ... ...                           9.95 1.16 3.16 10.6 13.3              
Retail Loan Growth % ... ... ...                           -1.59 -3.92 2.04 -4.91 20.7              
Mortgage Loan Growth % ... ... ... ...                         -4.48 -8.68 1.20 30.6 54.2              
Consumer Loan Growth % ... ... ... ...                         -6.03 -2.37 18.7 -18.0 24.2              
Corporate Loan Growth % ... ... ...                           36.0 9.46 4.76 32.2 5.87              
Total Asset Growth % ... ...                             6.52 -2.35 6.67 33.7 3.60              
Shareholders' Equity Growth % ... ... ...                           11.9 -34.6 -2.05 -5.52 -2.04              
Customer Deposit Growth % ... ...                             3.59 12.1 6.95 21.7 19.3              
Retail Deposit Growth % ... ... ...                           0.915 6.19 -0.406 13.5 13.8              
Corporate Deposit Growth % ... ... ...                           5.66 21.7 76.7 14.4 12.2              
market share                                                        
Market Share in Customer Loans % ... ...                             4.07 3.90 3.79 4.01 4.24     ... ... ... ... ...
Market Share in Corporate Loans % ... ...                             4.65 4.84 4.78 6.04 6.05     ... ... ... ... ...
Market Share in Retail Loans % ... ...                             11.1 10.2 11.6 9.16 10.9     ... ... ... ... ...
Market Share in Consumer Loans % ... ...                             5.40 4.83 4.59 4.05 4.54     ... ... ... ... ...
Market Share in Mortgage Loans % ... ...                             1.87 1.58 1.48 1.77 2.52     ... ... ... ... ...
Market Share in Total Assets % ...                               2.66 2.52 2.48 2.83 2.82     ... ... ... ... ...
Market Share in Customer Deposits % ...                               2.82 3.09 3.09 3.39 3.80     ... ... ... ... ...
Market Share in Retail Deposits % ... ...                             3.60 3.61 3.31 3.50 3.69     ... ... ... ... ...
Market Share in Corporate Deposits % ... ...                             2.35 2.60 4.63 4.87 5.23     ... ... ... ... ...
ratios Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
ratios                                                        
ROE % ... ...                             10.4 12.8 14.7 14.8 16.5              
ROA % ...                               3.01 3.18 2.80 2.25 2.07              
Costs (As % Of Assets) % ... ...                             3.92 3.90 3.51 2.78 2.39              
Costs (As % Of Income) % ... ...                             43.1 45.7 46.0 47.4 47.7              
Capital Adequacy Ratio %                                 27.8 17.7 20.5 17.4 16.4              
Tier 1 Ratio % ... ... ... ... ... ... ... ...                 27.8 17.7 20.5 17.4 16.4              
Net Interest Margin % ... ...                             6.75 6.57 5.74 4.22 3.64              
Interest Spread % ... ... ...                           6.67 6.52 5.71 4.20 3.61              
Asset Yield % ... ...                             6.96 6.72 5.87 4.34 3.85              
Cost Of Liabilities % ... ... ...                           0.289 0.199 0.161 0.147 0.231              
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 471 100 124 104 74.8              
Interest Income (As % Of Revenues) % ... ...                             74.3 76.9 75.1 71.9 72.9              
Fee Income (As % Of Revenues) % ... ...                             21.2 19.3 17.7 18.9 18.6              
Other Income (As % Of Revenues) % ... ...                             4.53 3.77 7.16 9.22 8.47              
Cost Per Employee USD per month ... ...                             2,471 2,543 2,400 2,632 2,827              
Cost Per Employee (Local Currency) CZK per month ... ...                             52,806 60,707 60,560 61,796 61,894              
Staff Cost (As % Of Total Cost) % ... ...                             36.5 40.5 44.5 50.6 47.9              
Equity (As % Of Assets) % ... ...                             29.7 19.9 18.3 12.9 12.2              
Loans (As % Of Deposits) % ... ...                             111 99.8 96.2 87.4 83.0              
Loans (As % Assets) % ... ...                             74.8 77.4 74.9 61.9 67.7              
NPLs (As % Of Loans) % ... ...                             12.9 11.7 5.97 4.10 2.80              
Provisions (As % Of NPLs) % ... ...                             83.0 84.0 87.6 76.8 99.9              
Provisions (As % Of Loans) % ... ...                             12.0 10.9 5.52 3.25 2.80              
Cost of Provisions (As % Of Loans) % ... ...                             1.70 0.787 0.842 0.324 0.208              
other data Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
                                                         
Branches                                 243 236 230 227 202     ... ... ... ... ...
Employees                                 3,142 3,079 3,114 3,312 3,129              
ATMs ... ... ...                           700 686 632 668 654     ... ... ... ... ...
Clients mil ... ...                             1.03 1.00 1.07 1.03 1.04     ... ... ... ... ...
Payment Cards '000 ... ... ...             ... ...   ... ...     1,028 ... ... ... ... ... ... ... ... ... ... ...
Debit Cards '000 ... ... ...                   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Credit Cards '000 ... ... ... ... ... ... ... ... ... ... ...     ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 58.1 54.0 50.6     ... ... ... ... ...
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 122,202              

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MONETA's price/earnings (P/E) rose 23.9% yoy to 13.4 in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank stock traded at 68.0 per share at the end fourth quarter of 2020 implying a market capitalization of USD 1,628 mil. Since the end of 4Q2015, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/En...

MONETA's customer deposits rose 42.6% yoy to CZK 258,906 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's customer deposits reached CZK 258,906 mil in 2020-12-31, down 5.86% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020-12-31, down 6.99% when compared to the last year. MONETA Money ...

MONETA's customer loans rose 44.5% yoy to CZK 226,072 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's customer loans reached CZK 226,072 mil in 2020-12-31, up 2.49% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020-12-31, down 0.651% when compared to the last year. MONETA Money Bank ac...

MONETA's retail deposits rose 66.9% yoy to CZK 193,352 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's retail deposits reached CZK 193,352 mil in 2020-12-31, up 0.644% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,057 bil in 2020-12-31, up 3.25% when compared to the last year. MONETA Money Bank ac...

MONETA's branches fell 11.2% yoy to 159 in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank employed 3,009 persons in 2020-12-31, up 1.21% compared to the previous year. Historically, the bank's workforce hit an all time high of 3,486 persons in 2011-12-31 and an all time low of 2,299 in 2007-12-31. The bank operated a network of ...

MONETA's npls (as % of loans) rose 27.8% yoy to 2.30% in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's non-performing loans reached 2.30% of total loans at the end of 2020-12-31, up from 1.80% compared to the previous year. Historically, the NPL ratio hit an all time high of 18.6% in 2011-03-31 and an all time low of 1.50% in 2020-09-30. ...

MONETA's corporate loans rose 13.1% yoy to CZK 75,498 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's loans reached CZK 226,626 mil in the fourth quarter of 2020, up from CZK 222,812 mil when compared to the previous quarter and up from CZK 156,671 mil when compared to the same period of last year. Historically, the bank’s loans ...

MONETA's net profit fell 27.8% yoy to CZK 685 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank made a net profit of CZK 685 mil in the fourth quarter of 2020, down 27.8% when compared to the same period of last year. This implies a return on equity of 10.3%. Historically, the bank’s net profit reached an all time high of CZK 1,242 mil in ...

MONETA's net profit fell 27.8% yoy to CZK 685 mil in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank made a net profit of CZK 685 mil under revenues of CZK 2,744 mil in the fourth quarter of 2020, down 27.8% and up 2.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high ...

MONETA's costs (as % of assets) fell 19.0% yoy to 1.88% in 4Q2020

By Helgi Analytics - February 15, 2021

MONETA Money Bank's cost to income ratio reached 53.2% in the fourth quarter of 2020, up from 50.1% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 59.1% of income in 4Q2010 and an all time low of 32.2% in 4Q...

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MONETA Money Bank is a medium-sized bank based in Prague, the Czech Republic. Since its acquisition of the troubled Agrobanka in 1997, the Bank has developed a branch network of almost 200 branches and 600 ATMs (2019), though its focus has been shifting towards purely consumer finance in the last decade. Now, with over 1 million retail clients, the bank is primarily focused on consumer finance, ranging from instalment payments, leasing, credit cards and consumer lending to mortgage loans, although less so for the latter in recent years.

MONETA Money Bank Logo

Finance

MONETA Money Bank has been growing its revenues and asset by 1.67% and 9.56% a year on average in the last 10 years. Its loans and deposits have grown by 11.5% and 10.6% a year during that time and loans to deposits ratio reached 108% at the end of 2025. The company achieved an average return on equity of 13.7% in the last decade with net profit growing 1.61% a year on average. In terms of operating efficiency, its cost to income ratio reached 40.1% in 2025, compared to 45.9% average in the last decade.

Equity represented 9.73% of total assets or 10.6% of loans at the end of 2025. MONETA Money Bank's non-performing loans were 3.20% of total loans while provisions covered some 73.8% of NPLs at the end of 2025.

Valuation

MONETA Money Bank stock traded at 75.0 per share at the end of 2025 resulting in a market capitalization of USD 1,537 mil. Over the previous five years, stock price rose by 10.3% or 1.98% a year on average. That’s compared to an average ROE of 12.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.25x and price to book value (PBV) of 1.13x in 2025.