24.77
Revenue$M
56.84
56.62
58.47
58.10
58.79
60.78
60.83
62.92
62.90
63.58
26.56
1.58%
1.40%
83
22.11
Revenue growth%
6.16
5.24
4.78
3.11
4.94
7.49
7.91
6.69
9.09
8.80
20.45
7.91
6.42
24
9.12
NIM%
20.21
17.37
17.88
16.59
19.56
18.98
21.96
21.91
19.96
22.93
2.38
21.91
19.76
52
13.54
Effic. R.%
27.32
25.75
24.83
22.70
24.60
27.58
29.84
29.74
27.13
29.25
13.30
29.25
27.23
74
12.64
Net margin%
27.99
28.42
29.93
31.60
32.93
35.01
32.66
35.29
33.79
33.31
10.90
33.79
32.80
38
23.03
P/E ratio (avg)x
13.37
12.11
13.32
13.23
12.31
11.23
12.07
12.95
13.62
11.98
16.57
12.07
12.63
31
14.03
P/TBVx
32.71
31.28
35.12
38.31
43.72
44.10
42.85
48.87
49.28
54.50
22.94
48.87
43.28
84
27.17
P/Bx
35.91
38.37
38.01
32.67
32.39
31.73
33.19
30.40
26.46
25.18
13.96
30.40
32.53
41
24.86
NII$M
43.09
42.56
44.34
44.12
44.30
46.71
46.68
48.38
47.98
48.52
40.07
1.84%
1.51%
—
29.50
NII grth%
13.79
14.39
12.91
10.76
13.45
14.10
11.21
8.74
8.71
8.82
19.57
8.82
12.06
53
12.76
ROTE%
7.88
9.97
10.75
8.98
9.07
9.51
8.99
11.04
10.43
10.31
19.62
10.31
9.74
51
16.23
Return on equity%
17.07
19.09
20.04
20.41
20.22
20.50
20.34
22.58
24.57
26.43
4.49
22.58
20.38
87
18.00
Return on assets%
10.33
12.68
13.00
14.61
13.81
15.93
16.40
18.75
19.26
20.84
23.86
18.75
15.27
77
2.23
EPS$
1.67
1.67
1.68
1.70
1.88
1.81
1.92
2.00
1.97
2.08
2.29
2.00%
2.71%
—
9.47
EPS growth%
10.31
8.02
9.11
6.73
5.10
4.16
3.48
2.15
4.66
6.21
8.86
4.16
5.65
19
0.92
Bookvalue per sh$
3.15
3.28
3.32
3.23
3.39
3.30
3.80
4.19
4.98
5.07
3.90
8.39%
5.81%
—
0.79
TBV/sh$
0.96
1.06
1.06
1.17
1.06
1.09
1.11
1.17
1.14
1.05
2.43
(0.34%)
0.34%
—
4.03
Dividend per sh$
3.91
4.29
4.62
4.64
4.95
5.18
5.31
4.94
4.65
4.49
1.29
(1.96%)
1.25%
—
17.29
Div yield (avg)%
4.43
6.95
6.38
5.69
7.07
5.65
4.63
6.83
4.18
2.63
10.62
4.63
5.67
80
22.42
Payout ratio%
25.93
26.92
27.70
25.13
24.25
23.12
23.70
20.92
22.18
22.49
18.97
22.49
23.98
21
9.017
Shares (diluted)M
9.532
8.730
8.405
9.329
8.712
9.675
10.61
12.16
12.40
13.00
8.909
8.34%
2.43%
90
23.07
Buyback yield%
19.47
21.49
18.55
20.00
17.38
18.97
20.35
17.88
20.32
22.69
11.10
20.32
19.74
71
134.62
Eq/Assets%
157.54
147.32
132.67
119.12
112.06
104.37
111.08
122.33
136.07
143.01
171.13
122.33
127.50
11
55.84
Assets$M
134.6
142.1
158.8
168.4
183.3
195.2
213.5
230.3
249.0
272.6
25.98
8.25%
8.38%
21
37.62
LT debt$M
58.74
57.25
54.86
54.70
51.68
56.44
51.34
50.34
51.34
53.17
17.99
0.57%
(0.89%)
24
Total assets
$272.6M
8.38%
1.95×
Revenue
$63.58M
1.40%
1.00×
Non-interest expense
$33.20M
1.05%
0.97×
Net interest income
76.31%
Non-interest income
23.69%