38.59
Revenue$M
162.7
165.0
164.8
163.5
163.4
165.8
165.8
169.2
172.3
174.0
40.62
1.27%
0.47%
13
17.36
Revenue growth%
23.08
23.96
22.89
21.19
24.11
25.15
25.22
24.15
22.46
20.83
11.63
24.15
23.52
15
15.19
NIM%
10.59
7.59
7.38
8.08
9.62
12.19
11.32
9.94
11.18
9.68
6.29
11.18
9.81
8
19.41
Effic. R.%
15.62
15.06
17.26
16.97
17.31
19.23
19.30
20.53
22.40
23.21
23.18
20.53
18.27
61
19.69
Net margin%
3.04
1.74
3.10
0.50
1.01
0.84
2.70
3.76
6.32
8.37
5.78
3.76
2.87
64
34.84
P/E ratio (avg)x
18.08
17.42
17.84
17.03
15.89
14.67
15.00
16.37
14.46
14.37
29.46
14.67
16.13
76
35.26
P/TBVx
39.65
43.12
40.20
39.23
42.83
46.25
46.66
49.58
46.16
50.82
17.73
46.66
44.64
26
23.28
P/Bx
22.71
22.81
22.11
18.92
17.33
18.79
16.26
14.63
15.32
15.19
25.11
15.32
18.06
37
167.2
NII$M
129.8
130.9
132.2
131.8
130.5
131.0
133.8
135.2
135.8
139.5
96.82
1.34%
0.46%
—
3.78
NII grth%
26.21
24.05
25.23
24.06
26.39
27.92
26.94
27.13
29.21
29.83
14.21
27.92
26.66
5
2.87
ROTE%
3.14
4.33
2.83
5.16
4.34
7.16
4.93
4.15
6.29
5.20
4.69
5.20
4.63
71
2.52
Return on equity%
12.86
14.34
15.82
13.73
12.67
14.13
15.36
17.40
16.14
15.95
23.77
15.95
14.85
91
11.35
Return on assets%
3.13
1.58
0.56
0.40
1.46
0.40
0.40
0.40
0.40
2.90
8.12
0.40
0.48
12
0.15
EPS$
0.15
0.16
0.16
0.16
0.14
0.14
0.15
0.16
0.14
0.13
0.16
(0.73%)
(1.18%)
—
9.28
EPS growth%
1.98
4.21
3.60
5.63
4.17
2.44
0.96
0.40
0.41
2.29
21.19
0.96
2.37
86
0.15
Bookvalue per sh$
0.15
0.16
0.16
0.15
0.13
0.15
0.16
0.16
0.17
0.15
0.11
2.66%
1.29%
—
0.14
TBV/sh$
0.18
0.18
0.20
0.21
0.19
0.22
0.23
0.21
0.20
0.21
0.14
2.11%
2.89%
—
0.10
Dividend per sh$
0.04
0.04
0.04
0.04
0.05
0.05
0.05
0.05
0.06
0.06
0.14
5.35%
5.82%
—
3.63
Div yield (avg)%
10.57
11.16
8.84
10.86
12.38
14.07
15.17
13.95
14.11
14.24
28.80
14.11
13.17
30
12.73
Payout ratio%
8.70
6.73
8.36
9.13
10.03
9.96
9.89
10.50
12.46
14.44
11.63
10.50
9.92
90
272.9
Shares (diluted)M
288.4
261.3
275.6
270.8
282.5
288.1
295.2
312.8
311.0
285.9
275.6
0.24%
(0.83%)
15
20.58
Buyback yield%
23.59
23.40
26.12
24.83
25.94
23.99
25.76
26.15
24.38
27.30
20.96
25.76
25.30
18
45.60
Eq/Assets%
213.03
219.69
202.65
193.33
195.34
196.89
209.87
200.96
228.26
232.82
72.80
209.87
206.26
52
69.97
Assets$M
241.5
255.5
279.3
301.3
330.3
345.3
377.5
413.2
444.4
481.9
109.7
7.85%
7.93%
48
61.93
LT debt$M
27.66
30.13
29.02
27.57
26.76
24.30
23.71
21.66
19.28
20.00
105.9
(5.65%)
(2.70%)
16
Total assets
$481.9M
7.93%
2.05×
Revenue
$174.0M
0.47%
1.00×
Non-interest expense
$80.06M
0.42%
1.00×
Net interest income
80.12%
Non-interest income
19.88%