24.89
Revenue$M
165.7
166.1
168.6
166.3
164.1
168.4
165.3
165.2
164.3
161.7
26.91
(0.29%)
(0.28%)
56
17.84
Revenue growth%
20.94
19.47
20.19
17.73
16.89
19.63
20.80
21.76
21.33
22.71
2.31
21.33
20.49
53
16.65
NIM%
23.77
25.29
27.91
26.93
28.55
31.00
29.22
31.32
32.83
32.76
17.60
31.32
28.89
12
10.38
Effic. R.%
7.78
7.16
7.15
9.03
9.75
9.41
7.09
9.84
9.19
8.16
14.39
9.19
8.60
29
14.08
Net margin%
16.54
18.43
20.09
20.86
19.81
22.26
21.84
22.38
23.32
22.38
29.21
22.38
21.35
5
22.76
P/E ratio (avg)x
34.54
38.55
41.11
46.46
49.12
54.97
50.92
58.09
62.74
59.35
30.48
58.09
50.02
28
21.79
P/TBVx
40.63
43.26
48.92
51.46
53.41
55.29
59.29
54.99
51.53
55.24
31.14
55.24
52.47
41
23.74
P/Bx
12.51
12.77
13.28
14.29
15.53
16.10
16.33
16.27
17.05
16.97
19.22
16.33
15.81
31
179.3
NII$M
128.9
127.6
131.6
128.2
128.7
130.0
128.0
129.4
128.3
126.5
117.3
(0.34%)
(0.21%)
—
25.71
NII grth%
8.18
7.37
5.80
8.66
7.33
7.97
6.93
3.94
3.94
3.86
13.37
3.94
7.13
41
26.25
ROTE%
12.77
13.60
13.12
15.58
14.34
16.34
13.82
12.56
13.81
11.04
26.33
13.81
13.71
83
25.43
Return on equity%
3.51
2.07
0.40
1.03
3.53
1.72
0.90
0.40
0.51
1.69
2.04
0.90
1.36
52
29.68
Return on assets%
25.59
26.74
29.01
27.42
24.99
23.60
23.28
20.57
19.92
19.94
21.14
20.57
24.29
38
2.29
EPS$
2.01
2.02
2.34
2.81
3.22
3.63
3.94
4.70
5.31
6.13
2.54
13.74%
13.00%
—
6.99
EPS growth%
21.69
18.82
19.70
20.23
22.35
22.86
24.61
26.53
26.96
26.43
2.66
26.43
22.60
28
2.90
Bookvalue per sh$
8.92
10.35
10.82
10.80
10.38
11.98
11.90
13.89
14.96
16.33
5.60
9.49%
7.84%
—
1.83
TBV/sh$
3.45
3.55
3.90
4.17
4.16
4.35
3.94
4.02
3.66
3.44
3.14
(3.73%)
(0.19%)
—
3.43
Dividend per sh$
2.26
2.01
1.92
1.90
1.82
1.70
1.78
1.69
1.61
1.57
3.46
(2.88%)
(3.60%)
—
16.51
Div yield (avg)%
21.40
20.17
22.85
25.14
22.76
21.97
19.15
21.18
19.94
17.48
28.35
19.94
21.29
88
25.17
Payout ratio%
12.52
11.95
13.87
11.10
10.28
10.09
8.77
9.36
12.32
10.60
29.38
10.09
10.85
81
31.62
Shares (diluted)M
25.16
27.95
30.23
29.33
27.81
27.12
25.91
25.38
27.86
27.69
32.86
(0.08%)
(0.15%)
93
23.20
Buyback yield%
14.57
12.50
11.96
13.49
11.70
13.15
11.23
9.50
9.70
7.08
9.77
9.70
11.83
67
35.85
Eq/Assets%
131.75
134.90
143.62
151.91
160.33
190.02
196.64
196.52
231.18
238.06
86.62
196.64
175.17
15
51.88
Assets$M
189.3
200.9
225.7
236.6
254.5
270.3
290.7
299.5
334.6
351.2
75.56
6.65%
7.44%
63
95.25
LT debt$M
10.49
10.23
10.87
9.251
8.048
7.680
8.281
7.494
7.826
7.856
117.8
(0.48%)
(2.72%)
53
Total assets
$351.2M
7.44%
2.11×
Revenue
$161.7M
(0.28%)
1.00×
Non-interest expense
$78.74M
(0.18%)
1.01×
Net interest income
78.24%
Non-interest income
21.76%