72.11
Revenue$M
45.80
49.54
52.70
56.93
61.60
66.43
71.97
77.58
80.88
86.79
80.68
7.10%
7.13%
48
4.14
Revenue growth%
20.35
21.43
24.23
25.85
25.22
23.26
23.08
21.13
18.72
18.75
10.45
21.13
22.26
60
18.30
NIM%
18.90
16.17
16.30
14.97
15.01
16.02
17.26
17.78
20.10
19.78
19.58
17.78
16.78
39
19.40
Effic. R.%
9.57
7.40
7.61
6.11
5.85
5.08
4.33
6.30
6.39
6.30
17.55
6.30
6.30
57
20.41
Net margin%
25.10
27.65
27.21
24.62
26.89
26.30
28.60
26.07
25.80
28.26
7.56
26.30
26.60
39
31.91
P/E ratio (avg)x
18.84
16.60
15.37
15.50
15.14
16.53
18.03
15.89
15.45
16.05
17.00
16.05
15.97
55
7.456
P/TBVx
56.12
62.21
59.90
70.63
73.92
72.31
77.08
77.93
91.31
93.57
35.78
77.93
73.12
23
26.05
P/Bx
49.12
51.77
57.97
62.29
69.75
70.43
79.49
74.88
76.05
80.49
37.86
76.05
70.09
95
20.88
NII$M
25.17
26.86
29.16
30.94
33.69
36.98
40.18
42.97
44.74
48.00
65.82
7.33%
7.02%
—
6.31
NII grth%
19.69
20.72
22.87
23.45
24.83
22.68
23.09
20.73
21.96
23.65
29.20
22.68
22.78
16
28.42
ROTE%
18.94
17.21
19.25
20.52
18.18
16.79
14.68
16.92
18.22
16.88
13.01
16.88
17.70
83
23.58
Return on equity%
19.32
20.72
17.77
19.65
18.60
18.54
19.88
22.85
20.83
21.92
7.75
20.83
19.76
46
29.25
Return on assets%
9.91
10.66
10.02
10.98
8.79
9.70
11.54
9.38
7.58
10.41
7.91
9.70
9.97
64
1.67
EPS$
2.39
2.35
2.63
2.78
3.21
3.73
4.50
5.12
6.19
7.21
1.87
17.57%
13.82%
—
20.61
EPS growth%
19.60
17.65
15.82
16.96
19.30
16.32
14.15
12.90
12.89
10.75
9.96
12.90
16.07
71
1.19
Bookvalue per sh$
1.18
1.16
1.22
1.31
1.19
1.12
1.19
1.33
1.40
1.43
0.35
3.62%
2.74%
—
0.84
TBV/sh$
1.36
1.32
1.58
1.59
1.56
1.72
1.84
2.08
2.17
2.11
1.87
6.28%
5.60%
—
0.92
Dividend per sh$
1.47
1.45
1.52
1.56
1.56
1.56
1.38
1.51
1.57
1.55
1.41
(0.15%)
(0.12%)
—
14.56
Div yield (avg)%
23.74
24.62
26.19
26.76
29.31
28.33
30.93
30.57
28.27
29.22
16.19
29.22
28.30
8
25.37
Payout ratio%
23.39
23.41
22.15
19.38
18.77
17.05
19.05
16.54
14.58
14.02
21.50
16.54
18.91
54
18.75
Shares (diluted)M
29.01
34.22
37.47
42.73
47.60
55.15
55.37
54.28
62.20
72.38
19.44
8.74%
11.13%
8
9.52
Buyback yield%
14.34
14.16
11.55
13.01
10.14
9.01
6.94
5.65
3.56
4.50
3.70
5.65
9.58
89
89.85
Eq/Assets%
126.13
121.89
130.20
126.76
128.61
123.44
115.77
121.74
133.91
133.83
145.67
123.44
126.45
76
36.71
Assets$M
192.8
203.4
219.6
236.8
266.6
284.0
309.2
335.7
365.8
411.2
30.72
9.06%
8.60%
50
44.63
LT debt$M
8.906
8.662
7.502
7.919
7.313
7.369
6.721
6.436
6.472
6.025
7.800
(3.80%)
(2.98%)
8
Total assets
$411.2M
8.60%
1.15×
Revenue
$86.79M
7.13%
1.00×
Non-interest expense
$44.06M
6.92%
0.98×
Net interest income
55.30%
Non-interest income
44.70%