61.42
Revenue$M
253.6
267.8
275.9
286.4
292.4
309.8
322.8
331.2
337.8
343.6
67.82
3.28%
3.46%
47
3.56
Revenue growth%
1.35
0.40
0.40
2.21
3.18
2.99
3.31
0.69
0.40
0.40
4.07
0.69
1.02
62
13.23
NIM%
7.60
9.53
11.50
12.67
14.26
16.85
18.67
17.43
15.55
15.13
16.54
16.85
14.69
24
18.59
Effic. R.%
6.16
9.09
9.95
9.66
8.88
7.19
7.66
6.96
7.34
8.37
29.37
7.34
8.01
51
3.28
Net margin%
3.22
5.84
7.42
6.33
3.93
4.69
6.13
5.06
6.18
6.05
21.51
6.05
5.95
43
20.69
P/E ratio (avg)x
5.019
5.025
4.974
5.251
5.140
5.351
4.950
5.056
4.811
5.447
16.68
5.056
5.041
88
18.77
P/TBVx
45.32
46.90
47.96
54.21
62.24
67.92
65.21
73.26
78.32
80.37
31.72
73.26
63.72
12
23.87
P/Bx
24.30
25.12
28.85
27.27
27.34
28.81
29.11
29.45
31.11
34.18
33.08
29.45
28.83
10
169.9
NII$M
182.8
195.4
198.9
209.2
211.3
225.0
230.5
240.0
245.7
248.6
194.1
3.31%
3.54%
—
29.07
NII grth%
8.58
6.75
8.39
9.35
10.14
11.51
11.28
8.90
9.05
11.38
2.94
11.28
9.20
34
4.40
ROTE%
13.64
10.66
8.01
10.50
10.64
11.45
12.99
12.56
10.51
8.31
21.52
11.45
10.65
41
22.35
Return on equity%
4.05
2.72
0.54
1.23
2.79
0.40
2.99
5.16
2.33
4.81
22.12
2.99
2.76
88
19.82
Return on assets%
14.80
14.99
17.45
19.08
20.54
23.31
25.29
25.95
27.49
28.57
27.42
25.95
21.92
87
7.57
EPS$
3.50
3.70
3.87
4.59
5.18
5.50
6.36
6.80
7.48
7.67
8.04
8.14%
9.73%
—
18.16
EPS growth%
0.71
0.40
0.49
2.46
0.40
0.40
3.29
5.49
5.29
7.29
21.83
5.29
1.59
15
8.17
Bookvalue per sh$
19.72
21.90
22.55
25.99
26.70
29.73
30.88
33.33
38.59
44.16
6.75
10.59%
10.10%
—
1.54
TBV/sh$
14.93
17.84
21.31
21.13
24.11
23.35
25.01
28.84
28.21
32.46
10.04
6.13%
9.31%
—
5.14
Dividend per sh$
2.89
2.61
2.47
2.24
2.00
1.90
1.82
1.88
1.74
1.79
7.31
(2.15%)
(5.12%)
—
18.68
Div yield (avg)%
11.49
10.03
7.46
7.72
9.27
11.20
9.91
7.64
9.22
7.23
18.28
9.22
9.24
16
9.38
Payout ratio%
28.19
27.11
29.22
28.07
28.79
25.97
27.94
24.99
26.03
25.95
15.04
25.97
27.53
30
14.32
Shares (diluted)M
20.12
19.53
20.94
20.01
18.25
17.06
17.86
16.39
15.47
17.33
14.57
(1.02%)
(0.29%)
94
8.11
Buyback yield%
14.59
16.63
17.28
14.79
16.67
13.96
14.91
15.29
14.26
12.28
20.02
14.26
14.85
87
161.62
Eq/Assets%
136.33
152.83
159.97
165.13
182.89
210.60
209.71
232.36
249.76
283.90
114.36
232.36
196.30
78
215.4
Assets$M
370.3
399.6
431.0
466.9
509.8
561.7
603.7
688.5
735.9
814.4
177.1
9.82%
9.11%
27
246.3
LT debt$M
208.9
233.6
210.7
191.2
197.5
207.3
209.8
212.9
221.0
241.8
111.3
4.13%
1.28%
92
Total assets
$814.4M
9.11%
1.70×
Revenue
$343.6M
3.46%
1.00×
Non-interest expense
$189.5M
3.34%
0.99×
Net interest income
72.36%
Non-interest income
27.64%