Fastest growing bank on the stock market. With earnings at $3.70 this year up 28%, it is earning 19% on equity and 1.6% on assets, the highest of any traditional bank in the U.S. and not relying on mortgage refis. Next year the earnings will grow 30% to $4.80. The estimates are all too low. The stock is only 13x next year's earnings. Is it worth 3x BV? Well that is the price it would take to acquire it. It is growing at 30% a year so the stock should go up 30% per year with a constant 3x BV ratio. 30% compounded can change your life.