21.23
Revenue$M
50.72
51.14
51.35
51.88
52.07
54.30
55.60
56.33
58.31
58.64
23.68
2.40%
1.52%
56
19.96
Revenue growth%
21.08
22.67
25.27
22.83
20.12
21.99
22.60
22.54
21.67
23.56
14.47
22.54
22.57
11
23.50
NIM%
33.61
34.65
34.05
34.15
33.72
31.70
28.88
26.09
24.88
23.82
21.32
26.09
32.66
35
27.45
Effic. R.%
8.10
8.05
5.19
6.41
4.94
7.78
6.34
8.00
6.71
7.15
28.50
7.15
6.93
17
8.44
Net margin%
7.83
9.05
7.43
4.98
5.28
5.62
5.85
5.76
3.31
5.90
16.77
5.76
5.81
90
33.57
P/E ratio (avg)x
19.00
16.39
17.61
16.94
17.25
14.79
13.42
14.10
13.85
14.26
8.877
14.10
15.59
57
13.28
P/TBVx
53.93
61.37
63.01
63.39
68.17
68.48
66.90
73.90
84.16
97.92
17.37
73.90
67.54
76
8.758
P/Bx
36.20
35.73
37.23
36.44
38.88
36.00
38.54
33.76
34.72
34.26
35.88
34.72
36.10
73
41.30
NII$M
40.05
40.62
41.51
41.13
42.03
42.96
44.24
44.97
46.66
47.24
30.14
2.37%
1.64%
—
22.00
NII grth%
26.93
24.71
24.40
24.49
25.80
25.30
25.32
26.66
26.74
27.42
21.11
26.66
25.56
16
14.41
ROTE%
7.30
5.15
4.58
7.49
4.68
2.33
0.40
1.85
4.60
5.33
21.03
2.33
4.64
23
18.83
Return on equity%
1.49
4.12
2.92
0.60
3.28
5.11
5.71
7.27
7.22
6.68
8.57
6.68
4.61
42
23.91
Return on assets%
0.76
0.40
3.40
2.93
4.97
6.54
4.57
4.01
5.31
4.56
18.15
4.57
4.28
86
1.09
EPS$
0.75
0.70
0.77
0.83
0.77
0.72
0.74
0.72
0.71
0.77
1.14
(0.17%)
0.57%
—
21.19
EPS growth%
25.09
27.49
28.34
29.30
31.18
31.21
29.03
28.55
28.75
31.49
24.33
29.03
28.89
73
1.08
Bookvalue per sh$
0.87
0.89
0.96
0.92
0.93
0.87
0.85
0.84
0.95
0.98
1.36
1.19%
0.97%
—
1.44
TBV/sh$
1.11
1.20
1.24
1.34
1.45
1.49
1.65
1.90
2.04
2.36
1.84
10.32%
8.41%
—
1.43
Dividend per sh$
1.59
1.51
1.57
1.78
1.86
1.90
1.76
2.01
2.27
2.54
1.70
6.36%
4.64%
—
2.36
Div yield (avg)%
11.89
12.90
14.79
14.37
14.24
16.92
19.29
17.18
18.84
16.90
12.52
17.18
15.84
93
21.35
Payout ratio%
17.79
19.60
21.28
19.76
22.07
20.84
22.89
25.31
23.68
24.79
23.35
23.68
21.68
9
24.63
Shares (diluted)M
35.89
35.97
41.32
47.97
47.02
46.63
54.69
59.97
66.18
75.39
24.46
9.90%
9.40%
62
13.03
Buyback yield%
14.27
13.03
13.40
14.02
13.70
12.85
13.27
13.15
14.07
13.17
26.36
13.17
13.33
80
99.61
Eq/Assets%
107.15
99.84
93.66
89.82
91.37
89.06
94.06
87.19
79.97
90.61
155.75
89.06
90.99
53
31.33
Assets$M
197.4
213.6
225.7
237.3
263.3
285.6
317.3
352.4
378.0
408.5
5.609
9.18%
8.19%
36
9.938
LT debt$M
57.62
64.56
65.71
66.90
59.97
57.90
60.75
57.94
58.84
61.91
37.54
0.64%
0.28%
5
Total assets
$408.5M
8.19%
1.89×
Revenue
$58.64M
1.52%
1.00×
Non-interest expense
$34.50M
1.67%
1.02×
Net interest income
80.56%
Non-interest income
19.44%