38.27
Revenue$M
62.12
64.00
65.23
67.12
68.50
68.98
69.15
70.85
71.28
71.04
42.70
0.73%
1.57%
46
18.39
Revenue growth%
18.00
15.36
13.97
13.88
12.99
12.26
12.26
13.11
10.51
12.40
5.77
12.26
13.05
32
9.69
NIM%
25.42
24.26
23.86
26.72
24.52
23.71
23.52
23.96
24.00
25.22
2.05
23.96
24.13
88
13.14
Effic. R.%
27.68
26.84
25.63
28.49
26.08
27.92
27.81
29.04
28.62
26.55
27.47
27.92
27.74
62
9.96
Net margin%
15.59
17.18
18.42
16.31
18.32
20.23
23.15
20.49
18.71
17.71
10.00
20.23
18.37
27
19.84
P/E ratio (avg)x
34.56
33.64
38.76
40.01
43.40
45.02
46.01
53.09
50.07
50.89
32.15
50.07
44.21
43
27.64
P/TBVx
44.42
51.90
59.89
70.30
70.87
82.02
84.46
90.74
101.3
115.2
37.64
90.74
76.44
59
7.076
P/Bx
7.262
7.149
7.252
6.894
6.957
7.526
7.475
7.166
6.256
5.712
28.47
7.166
7.158
21
7.263
NII$M
42.14
44.01
44.38
45.10
45.97
46.98
46.92
47.83
49.17
48.59
17.25
1.11%
1.49%
—
23.80
NII grth%
3.06
5.12
3.04
5.77
5.88
8.20
7.85
10.32
12.77
12.13
13.96
10.32
6.86
60
23.15
ROTE%
28.65
26.79
26.99
28.75
28.09
29.33
27.20
28.05
30.21
32.06
3.86
29.33
28.37
40
3.12
Return on equity%
17.06
14.49
13.24
14.96
13.96
15.33
15.12
12.24
14.43
12.93
7.33
14.43
14.46
82
17.53
Return on assets%
22.20
20.14
18.89
18.42
19.87
22.35
20.01
17.38
19.53
19.32
28.60
19.53
19.70
60
4.27
EPS$
7.11
6.99
6.55
6.25
6.40
6.16
5.66
5.30
4.87
4.61
4.51
(6.36%)
(3.23%)
—
6.30
EPS growth%
4.47
6.17
5.58
5.86
2.92
3.80
5.36
6.94
9.90
7.50
20.43
6.94
5.72
54
3.70
Bookvalue per sh$
1.77
1.93
1.89
1.82
2.10
1.97
1.90
1.93
2.11
2.12
5.66
0.23%
3.36%
—
6.06
TBV/sh$
3.66
3.37
3.60
3.63
3.89
3.48
3.10
3.41
3.40
3.14
4.93
(4.16%)
(1.40%)
—
2.97
Dividend per sh$
4.27
4.65
4.24
4.41
4.33
4.64
4.98
4.65
4.20
3.85
6.22
(2.33%)
—
—
20.46
Div yield (avg)%
8.51
9.91
9.38
8.01
8.23
6.22
6.45
7.85
9.69
9.68
26.76
7.85
8.37
15
25.10
Payout ratio%
6.98
6.86
8.52
9.54
10.88
10.45
13.44
11.29
12.05
10.04
10.71
11.29
10.25
40
10.72
Shares (diluted)M
13.09
14.30
14.18
14.41
15.01
14.59
16.64
16.77
16.18
17.31
11.02
2.90%
2.33%
92
16.29
Buyback yield%
6.17
5.81
7.85
10.02
7.39
9.09
6.84
8.30
5.32
4.69
13.10
6.84
7.12
14
37.87
Eq/Assets%
213.52
243.85
258.13
277.15
281.32
314.87
370.65
397.01
397.61
408.41
126.18
397.01
298.09
39
3.250
Assets$M
32.32
34.58
37.26
39.06
41.75
46.37
50.87
55.25
60.13
63.04
43.15
8.59%
7.83%
85
39.79
LT debt$M
33.56
37.77
37.19
38.02
37.93
41.16
43.33
46.19
48.61
50.66
57.09
5.96%
5.03%
89
Total assets
$63.04M
7.83%
1.82×
Revenue
$71.04M
1.57%
1.00×
Non-interest expense
$43.62M
1.54%
1.00×
Net interest income
68.39%
Non-interest income
31.61%
Return on capital
112.92%