62.27
Revenue$M
136.1
147.1
156.3
165.5
176.6
193.3
205.3
223.1
239.5
264.9
64.18
8.45%
7.66%
31
18.14
Revenue growth%
11.72
8.82
8.58
11.55
9.57
10.51
7.70
4.90
7.79
9.49
5.14
7.79
9.15
12
3.69
NIM%
21.06
19.00
20.41
20.45
18.21
16.56
13.90
15.08
16.45
16.71
15.78
16.45
17.46
48
4.38
Effic. R.%
27.96
28.98
29.61
30.29
30.47
30.14
32.19
34.69
36.09
34.82
25.60
34.69
30.38
62
5.78
Net margin%
0.40
0.40
1.30
1.89
4.42
1.77
0.40
1.89
1.52
0.40
2.06
1.52
1.41
23
31.26
P/E ratio (avg)x
26.69
27.59
31.00
35.01
37.25
34.17
37.33
37.79
39.52
44.04
9.449
37.79
36.13
39
34.19
P/TBVx
37.39
45.31
49.43
49.43
52.65
55.26
64.07
64.46
77.05
85.54
33.26
64.46
53.95
55
30.49
P/Bx
30.12
33.69
36.25
37.71
44.89
45.82
45.45
54.89
65.26
68.26
37.82
54.89
45.17
38
97.55
NII$M
76.33
81.37
85.53
90.60
97.40
107.3
114.1
123.2
134.2
147.0
99.64
8.58%
7.69%
—
27.54
NII grth%
17.76
20.24
18.61
18.73
16.08
17.66
15.55
15.23
15.24
15.86
25.10
15.55
16.87
78
25.71
ROTE%
17.70
17.37
19.77
17.19
19.90
19.90
19.23
18.39
15.46
12.56
28.87
18.39
18.05
55
16.90
Return on equity%
24.79
26.31
27.84
29.75
28.33
27.84
26.21
24.08
26.77
27.97
26.56
26.77
27.30
8
22.67
Return on assets%
2.89
0.40
0.73
0.40
0.40
0.40
2.77
1.22
1.33
0.74
29.61
1.22
0.73
88
0.70
EPS$
0.19
0.21
0.21
0.24
0.24
0.26
0.24
0.23
0.22
0.22
0.76
(1.68%)
1.55%
—
13.14
EPS growth%
7.61
5.07
7.44
7.98
7.79
8.61
7.14
7.17
7.38
8.95
22.55
7.38
7.52
95
0.32
Bookvalue per sh$
1.16
1.34
1.54
1.65
1.64
1.67
1.66
1.64
1.86
1.86
0.88
2.50%
5.84%
—
0.30
TBV/sh$
0.31
0.30
0.26
0.23
0.20
0.19
0.20
0.18
0.18
0.18
0.20
(1.76%)
(6.64%)
—
0.59
Dividend per sh$
1.05
0.98
0.92
0.85
0.77
0.84
0.86
0.93
0.82
0.89
0.48
3.07%
(0.56%)
—
4.57
Div yield (avg)%
29.36
27.78
28.33
30.33
28.28
29.25
28.55
30.62
31.43
32.03
12.01
30.62
29.31
57
25.54
Payout ratio%
6.98
8.03
8.69
7.84
9.57
9.71
9.98
10.96
9.15
9.70
7.30
9.71
9.36
35
170.9
Shares (diluted)M
142.1
152.5
140.1
153.7
141.4
142.5
144.4
155.4
173.1
177.2
165.7
4.61%
1.30%
16
7.41
Buyback yield%
17.64
18.46
18.29
15.45
15.03
13.91
14.69
14.06
15.60
13.45
14.77
14.06
15.24
83
33.29
Eq/Assets%
289.23
340.87
353.95
422.53
494.93
540.96
650.55
732.06
819.77
882.17
81.83
732.06
517.95
90
262.0
Assets$M
124.6
134.1
147.7
166.0
179.7
195.3
211.8
227.4
235.1
268.4
158.7
8.35%
8.98%
20
142.9
LT debt$M
157.6
158.0
191.7
221.8
248.4
264.1
300.1
330.6
360.7
405.7
144.6
10.31%
10.63%
41
Total assets
$268.4M
8.98%
1.13×
Revenue
$264.9M
7.66%
1.00×
Non-interest expense
$120.4M
7.74%
1.01×
Net interest income
55.48%
Non-interest income
44.52%
Return on capital
115.91%