71.88
Revenue$M
61.93
66.77
69.96
75.19
79.56
86.60
93.52
101.3
110.9
117.4
75.94
8.09%
7.35%
71
4.73
Revenue growth%
20.85
19.07
21.55
21.34
20.99
22.01
21.26
18.97
21.61
19.70
10.34
21.26
21.12
27
8.04
NIM%
21.27
21.84
24.17
22.27
20.66
20.63
20.35
21.67
22.00
23.77
20.37
21.67
21.76
62
4.64
Effic. R.%
5.37
3.04
3.47
4.54
6.24
7.30
8.52
7.86
8.87
6.86
28.39
7.86
6.55
45
8.59
Net margin%
22.68
22.60
23.54
21.05
20.23
18.63
20.37
20.39
21.02
21.98
19.91
20.39
21.03
94
11.86
P/E ratio (avg)x
46.21
43.31
45.90
51.60
51.75
52.30
49.71
45.65
52.00
51.69
10.05
51.69
50.65
9
37.30
P/TBVx
16.76
18.31
20.15
22.16
22.39
20.05
18.25
18.99
19.87
20.72
19.51
19.87
19.96
19
6.458
P/Bx
30.93
32.93
35.12
32.78
33.78
35.64
35.85
40.29
44.35
45.52
32.19
40.29
35.38
56
9.871
NII$M
40.33
42.59
45.37
48.96
51.64
55.61
60.39
65.28
71.70
74.85
84.60
7.71%
7.15%
—
25.68
NII grth%
21.16
20.04
20.82
23.14
23.10
21.12
22.79
22.50
20.98
19.50
15.30
21.12
21.14
8
28.23
ROTE%
25.52
23.71
25.57
26.11
23.38
25.85
27.80
26.13
26.92
24.54
6.87
26.13
25.71
19
5.03
Return on equity%
6.58
4.74
4.34
3.45
1.62
2.27
2.92
3.88
2.29
0.40
21.88
2.29
3.19
50
12.74
Return on assets%
12.25
13.46
13.02
10.07
8.27
7.92
5.26
7.89
6.99
7.32
18.77
7.32
8.10
88
0.51
EPS$
0.74
0.87
0.82
0.88
0.85
1.00
1.13
1.15
1.23
1.18
0.55
6.76%
4.68%
—
20.51
EPS growth%
20.58
22.98
24.10
21.43
18.56
19.67
20.26
21.60
21.96
20.97
6.18
20.97
21.20
18
0.70
Bookvalue per sh$
0.61
0.69
0.78
0.93
0.91
1.07
1.24
1.44
1.40
1.41
0.35
9.09%
10.18%
—
0.12
TBV/sh$
0.41
0.38
0.41
0.40
0.41
0.37
0.37
0.40
0.36
0.40
0.54
(0.62%)
0.68%
—
0.56
Dividend per sh$
0.57
0.64
0.75
0.81
0.81
0.84
0.83
0.84
0.85
0.95
0.70
3.21%
7.20%
—
18.72
Div yield (avg)%
10.32
11.64
8.82
5.86
8.26
9.80
11.43
11.50
11.56
10.95
27.32
11.43
10.63
28
24.69
Payout ratio%
0.40
0.73
2.93
5.90
3.34
3.91
3.83
6.05
4.83
2.30
6.13
3.91
3.58
72
91.16
Shares (diluted)M
108.2
117.1
123.1
141.4
149.8
174.0
170.4
194.1
187.1
204.4
89.32
6.41%
6.27%
86
20.95
Buyback yield%
24.33
24.97
25.88
24.71
25.17
23.33
20.51
19.85
17.22
14.79
14.67
19.85
23.83
83
134.37
Eq/Assets%
199.38
212.95
222.29
237.91
233.96
242.43
269.75
309.63
343.00
340.66
108.58
309.63
240.17
44
23.98
Assets$M
213.7
246.3
260.3
272.0
290.8
315.1
348.4
390.4
410.6
454.9
25.51
9.36%
8.71%
24
76.83
LT debt$M
12.01
13.29
12.56
11.34
11.19
11.00
12.26
12.59
11.56
11.79
67.53
1.06%
0.64%
76
Total assets
$454.9M
8.71%
1.13×
Revenue
$117.4M
7.35%
1.00×
Non-interest expense
$69.12M
7.52%
1.02×
Net interest income
63.76%
Non-interest income
36.24%
Spread over hurdle
10.79%