89.93
Revenue$M
126.4
129.0
129.5
128.9
129.7
133.8
136.2
139.7
142.6
140.5
98.69
1.60%
0.98%
20
13.71
Revenue growth%
10.17
8.57
7.49
7.92
10.23
9.56
7.60
6.93
4.32
6.43
9.19
6.93
7.76
46
23.53
NIM%
18.26
18.28
19.56
22.56
20.23
19.19
22.07
24.78
23.39
26.08
6.66
23.39
21.15
24
14.42
Effic. R.%
15.77
16.67
17.91
19.53
21.96
21.16
20.29
18.89
17.66
16.62
21.69
18.89
18.40
6
17.99
Net margin%
9.75
7.40
5.33
5.89
5.26
7.48
9.45
11.67
9.28
8.35
8.77
9.28
7.92
89
16.33
P/E ratio (avg)x
23.81
27.59
31.27
30.81
33.58
35.90
36.26
34.94
34.09
38.81
27.37
35.90
33.83
53
21.94
P/TBVx
33.05
33.52
34.74
30.73
27.44
27.42
24.58
22.07
24.44
21.41
28.97
24.44
27.43
55
24.86
P/Bx
44.63
39.35
43.10
45.45
39.94
38.61
37.42
40.57
36.39
35.35
12.55
37.42
39.64
57
98.11
NII$M
91.27
92.06
94.42
93.68
94.50
95.21
98.13
101.4
102.7
100.1
104.0
1.15%
1.00%
—
5.24
NII grth%
25.09
22.32
22.79
22.07
19.56
18.86
17.62
20.60
18.44
18.33
26.51
18.44
20.08
58
26.88
ROTE%
18.84
20.72
23.37
25.87
26.51
27.30
28.67
31.25
32.62
31.29
15.59
31.25
26.91
7
4.90
Return on equity%
6.42
9.41
8.52
7.00
8.85
8.18
6.25
8.60
7.20
9.15
16.55
8.18
8.35
92
18.75
Return on assets%
16.27
13.32
12.43
14.15
12.07
12.87
14.28
14.83
15.02
17.96
5.87
14.83
14.22
19
6.81
EPS$
7.01
8.04
8.78
9.97
11.45
10.54
10.79
10.49
11.52
12.47
7.39
1.72%
5.52%
—
6.48
EPS growth%
13.49
16.16
18.83
16.69
14.83
16.30
17.90
15.69
14.02
12.96
2.55
15.69
15.93
25
3.32
Bookvalue per sh$
4.04
4.57
5.17
5.00
4.61
4.25
4.71
5.20
5.57
5.21
1.64
2.45%
1.94%
—
6.32
TBV/sh$
2.25
2.36
2.58
2.57
2.47
2.36
2.49
2.49
2.89
2.78
6.01
2.39%
2.15%
—
6.36
Dividend per sh$
0.75
0.66
0.60
0.56
0.53
0.56
0.50
0.49
0.48
0.45
4.25
(3.24%)
(5.94%)
—
15.64
Div yield (avg)%
29.93
28.14
30.30
29.52
32.21
30.21
30.17
32.99
30.83
32.24
7.23
30.83
30.25
80
6.89
Payout ratio%
13.86
15.89
15.83
16.62
14.12
16.55
17.35
15.94
14.51
12.30
4.49
15.94
15.86
33
16.96
Shares (diluted)M
18.31
19.74
18.97
19.52
21.05
21.84
19.82
17.89
18.46
18.67
17.00
(2.38%)
1.29%
86
16.58
Buyback yield%
14.83
17.75
20.69
19.78
22.13
20.42
19.79
19.49
22.42
19.58
7.65
19.79
19.78
92
20.51
Eq/Assets%
55.39
53.92
55.56
60.52
59.23
58.05
64.74
60.17
67.43
67.51
18.40
64.74
59.70
7
42.47
Assets$M
372.5
384.2
408.5
454.6
479.4
523.2
544.0
582.6
631.0
670.8
121.7
6.95%
6.86%
71
17.53
LT debt$M
65.30
59.91
59.29
55.39
59.38
63.26
55.49
54.52
48.19
50.94
108.4
(3.02%)
(3.75%)
13
Total assets
$670.8M
6.86%
1.76×
Revenue
$140.5M
0.98%
1.00×
Non-interest expense
$66.04M
0.99%
1.00×
Net interest income
71.24%
Non-interest income
28.76%