Company Comparable Analysis > Banks (IQ1199399283) > CIS

Details
Template: My Capital IQ Detailed Comps-CIS
Currency: US Dollar
As-Of Date: Aug-12-2023

Company Comp Set Independent

Company Name LTM Return on Equity % LTM Return on Assets % CY2022 Interest Rate Spread CY2022 Net Interest Margin

Bank of America Corporation (NYSE:BAC) 10.8% 1.0% 1.63 2.0%

American Express Company (NYSE:AXP) 29.8% 3.3% 7.9 7.7%
The Bank of New York Mellon Corporation (NYSE:BK) 7.2% 0.7% 0.66 1.0%
State Street Corporation (NYSE:STT) 10.9% 0.9% 0.87 1.0%
Regions Financial Corporation (NYSE:RF) 13.9% 1.5% 3.18 3.4%
M&T Bank Corporation (NYSE:MTB) 11.6% 1.4% 3.19 3.4%
Huntington Bancshares Incorporated (NasdaqGS:HBAN) 13.1% 1.3% 3.06 3.3%
Northern Trust Corporation (NasdaqGS:NTRS) 10.7% 0.8% 1.19 1.4%
Wells Fargo & Company (NYSE:WFC) 8.7% 0.8% 2.37 2.6%
The PNC Financial Services Group, Inc. (NYSE:PNC) 13.2% 1.2% 2.43 2.7%
U.S. Bancorp (NYSE:USB) 11.3% 0.9% 2.51 2.7%
United Bankshares, Inc. (NasdaqGS:UBSI) 8.6% 1.3% 3.27 3.5%
Comerica Incorporated (NYSE:CMA) 21.6% 1.5% 2.71 3.0%
KeyCorp (NYSE:KEY) 10.8% 0.8% 2.4 2.6%
New York Community Bancorp, Inc. (NYSE:NYCB) 30.7% 3.0% 2.17 2.4%
Capital One Financial Corporation (NYSE:COF) 9.8% 1.2% 6.43 6.7%
First Citizens BancShares, Inc. (NasdaqGS:FCNC.A) 70.8% 6.8% 2.95 3.1%
Columbia Banking System, Inc. 10.4% 1.2% 3.22 3.3%
Ameris Bancorp (NasdaqGS:ABCB) 9.4% 1.2% 3.43 3.8%
The Goldman Sachs Group, Inc. (NYSE:GS) 7.5% 0.6% 0.46 0.6%
Deutsche Bank Aktiengesellschaft (XTRA:DBK) 6.5% 0.3% 1.06 1.4%
Morgan Stanley (NYSE:MS) 10.0% 0.9% 1.0 0%
JPMorgan Chase & Co. (NYSE:JPM) 16.0% 1.2% 1.76 2.0%
Ally Financial Inc. (NYSE:ALLY) 8.9% 0.6% 3.72 3.9%
HSBC USA Inc. 4.6% 0.4% 0.85 1.3%
Discover Financial Services (NYSE:DFS) 28.4% 3.1% 9.09 9.5%
Citizens Financial Group, Inc. (NYSE:CFG) 9.5% 1.0% 2.83 3.1%
Synchrony Financial (NYSE:SYF) 18.3% 2.4% 15.23 15.6%
CY2022 Total Loans FY Total Deposits Total Loans/Total Deposits

1,045,747.0 1,930,341.0 54.17%

113,321.0 110,239.0 102.80%
66,063.0 278,970.0 23.68%
32,145.0 235,464.0 13.65%
97,009.0 131,743.0 73.64%
131,564.2 163,514.9 80.46%
119,523.0 147,914.0 80.81%
42,893.3 123,932.1 34.61%
955,871.0 1,383,985.0 69.07%
326,025.0 436,282.0 74.73%
388,213.0 524,976.0 73.95%
20,580.2 22,303.2 92.27%
53,402.0 71,397.0 74.80%
119,394.0 142,595.0 83.73%
69,001.0 58,721.0 117.51%
312,331.0 332,992.0 93.80%
70,781.0 89,408.0 79.17%
11,611.0 16,711.5 69.48%
19,855.3 19,462.7 102.02%
320,277.0 386,665.0 82.83%
535,465.3 681,197.0 78.61%
293,164.0 356,646.0 82.20%
1,135,647.0 2,340,179.0 48.53%
135,748.0 152,297.0 89.13%
59,380.0 123,223.0 48.19%
112,120.0 91,636.0 122.35%
156,662.0 180,724.0 86.69%
92,470.0 71,735.0 128.90%
SUMMARY OUTPUT

Regression Statistics
Multiple R 0.246414
R Square 0.06072
Adjusted R 0.024593
Standard E 0.127047
Observatio 28

ANOVA
df SS MS F Significance F
Regression 1 0.027129 0.027129 1.680765 0.206212
Residual 26 0.419663 0.016141
Total 27 0.446792

Coefficients
Standard Error t Stat P-value Lower 95%Upper 95%Lower 95.0% Upper 95.0%
Intercept 0.117598 0.035258 3.335378 0.00257 0.045125 0.190071 0.045125 0.1900711852
X Variable 0.010235 0.007895 1.296443 0.206212 -0.005993 0.026464 -0.005993 0.0264638797

CY2022 LTM Return

Interest on Equity %
Rate Chart Title
Spread 80.0%
1.63 10.8%
70.0%
7.9 29.8%
0.66 7.2%
60.0%
0.87 10.9%
3.18 13.9%
50.0%
3.19 11.6%
3.06 13.1%
1.19 10.7%
40.0%
2.37 8.7%
2.43 13.2%
30.0%
2.51 11.3% f(x) = 0.0102354415616937 x + 0.11759787
3.27 8.6%
20.0% R² = 0.0607196172323378
2.71 21.6%
2.4 10.8% 10.0%
2.17 30.7%
6.43 9.8% 0.0%
- 2.0 4.0 6.0 8.0
2.95 70.8%
3.22 10.4%
3.43 9.4%
0.46 7.5%
1.06 6.5%
1.0 10.0%
1.76 16.0%
3.72 8.9%
0.85 4.6%
9.09 28.4%
2.83 9.5%
15.23 18.3%
 Chart Title

0.0102354415616937 x + 0.117597879149847
0.0607196172323378

2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0

SUMMARY OUTPUT

Regression Statistics
Multiple R 0.381292
R Square 0.145384
Adjusted R 0.112514
Standard E 0.01222
Observatio 28

ANOVA
df SS MS F Significance F
Regression 1 0.000661 0.000661 4.423008 0.045287
Residual 26 0.003883 0.000149
Total 27 0.004543

Coefficients
Standard Error t Stat P-value Lower 95%Upper 95%Lower 95.0%
Upper 95.0%
Intercept 0.009527 0.003391 2.809183 0.009304 0.002556 0.016498 0.002556 0.016498
X Variable 0.001597 0.000759 2.103095 0.045287 3.61E-05 0.003158 3.61E-05 0.003158

CY2022 LTM Return

Interest on Assets
Rate %
Spread
1.63 1.0%
7.9 3.3%
0.66 0.7%
0.87
3.18
0.9%
1.5%
C
3.19 1.4% 8.0%
3.06 1.3%
1.19 0.8% 7.0%
2.37 0.8%
2.43 1.2% 6.0%
2.51 0.9%
3.27 1.3% 5.0%
2.71 1.5%
2.4 0.8% 4.0%
2.17 3.0%
6.43 1.2% 3.0% f(x) = 0.00159709424488028 x +
2.95 6.8% R² = 0.145383648179332
3.22 1.2% 2.0%
3.43 1.2%
0.46 0.6% 1.0%
1.06 0.3%
1.0 0.9%
0.0%
1.76 1.2% - 2.0 4.0 6.0
3.72 0.6%
0.85 0.4%
9.09 3.1%
2.83 1.0%
15.23 2.4%
 Chart Title

x) = 0.00159709424488028 x + 0.00952693142843974
² = 0.145383648179332

2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0

SUMMARY OUTPUT

Regression Statistics
Multiple R 0.676262
R Square 0.45733
Adjusted R 0.436458
Standard E 0.201966
Observatio 28

ANOVA
df SS MS F Significance F
Regression 1 0.893767 0.893767 21.91129 7.8E-05
Residual 26 1.060547 0.04079
Total 27 1.954313

Coefficients
Standard Error t Stat P-value Lower 95%Upper 95%Lower 95.0%
Upper 95.0%
Intercept 0.579924 0.056049 10.34671 1.04E-10 0.464714 0.695135 0.464714 0.695135
X Variable 0.058749 0.012551 4.680949 7.8E-05 0.032951 0.084547 0.032951 0.084547

CY2022 Total
Interest Loans/Total
Rate Deposits
Spread
1.63 0.541742107
7.9 1.027957438
0.66 0.23681041
0.87 0.136517684
3.18 0.736350318
3.19 0.804600682 C
3.06 0.808057385 1.4
1.19 0.346103229 f(x) = 0.0587491477807286 x + 0.5
2.37 0.690665723
R² = 0.457330372622888
1.2
2.43 0.747280429
2.51 0.739487138
3.27 0.922746512 1
2.71 0.747958598
2.4 0.837294435 0.8
2.17 1.175065139
6.43 0.937953464
0.6
2.95 0.791662938
3.22 0.694791012
3.43 1.020171919 0.4
0.46 0.828306156
1.06 0.786065265 0.2
1.0 0.82200277
1.76 0.485282109
3.72 0.891337321 0
- 2.0 4.0 6.0
0.85 0.481890556
9.09 1.223536601
2.83 0.86685775
15.23 1.289049976
 Chart Title
= 0.0587491477807286 x + 0.579924485746462
0.457330372622888

2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0

SUMMARY OUTPUT

Regression Statistics
Multiple R 0.996516
R Square 0.993044
Adjusted R 0.992776
Standard E 0.002671
Observatio 28

ANOVA
df SS MS F Significance F
Regression 1 0.026475 0.026475 3711.604 1.39E-29
Residual 26 0.000185 7.13E-06
Total 27 0.02666

Coefficients
Standard Error t Stat P-value Lower 95%Upper 95%Lower 95.0%
Upper 95.0%
Intercept 0.001575 0.000741 2.125349 0.043221 5.17E-05 0.003099 5.17E-05 0.003099
X Variable 0.010111 0.000166 60.92293 1.39E-29 0.00977 0.010452 0.00977 0.010452

CY2022 CY2022 Net

Interest Interest
Rate Margin
Spread
1.63 2.0%
7.9 7.7%
0.66 1.0% C
0.87 1.0% 18.0%
3.18 3.4%
3.19 3.4% 16.0%
3.06 3.3%
f(x) = 0.0101113043541104 x +
1.19 1.4% 14.0% R² = 0.993043671314375
2.37 2.6%
2.43 2.7% 12.0%
2.51 2.7%
3.27 3.5% 10.0%
2.71 3.0%
2.4 2.6% 8.0%
2.17 2.4%
6.43 6.7%
6.0%
2.95 3.1%
4.0%
3.22 3.3%
3.43 3.8% 2.0%
0.46 0.6%
1.06 1.4% 0.0%
1.0 0% - 2.0 4.0 6.0
1.76 2.0%
3.72 3.9%
0.85 1.3%
9.09 9.5%
2.83 3.1%
15.23 15.6%
 Chart Title

(x) = 0.0101113043541104 x + 0.00157528072478984

R² = 0.993043671314375

2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0

Dependent Variable Equation
ROE y = 0.0102x + 0.1176
ROA y = 0.0016x + 0.0095
Total Loans/Total Depoy = 0.0587x + 0.5799
Net Interest Margin y = 0.0101x + 0.0016