29.41
Revenue$M
89.94
90.73
93.97
94.47
95.71
96.63
100.9
101.3
103.1
107.0
32.88
2.25%
1.91%
44
6.57
Revenue growth%
5.67
4.06
5.32
5.25
6.00
3.67
1.66
0.40
3.04
1.58
18.49
1.66
3.87
77
28.09
NIM%
24.24
22.88
23.04
25.51
27.50
24.99
22.86
20.20
21.73
19.52
11.26
21.73
22.96
42
4.83
Effic. R.%
17.98
18.14
16.65
17.39
20.29
22.77
22.94
21.33
18.91
17.10
27.33
21.33
18.52
59
8.43
Net margin%
29.98
28.66
29.66
31.61
29.21
30.74
28.72
30.76
29.65
28.03
25.16
29.65
29.66
13
13.53
P/E ratio (avg)x
40.65
41.39
44.27
49.45
52.60
58.01
56.53
58.24
60.27
60.56
8.221
58.24
54.56
69
28.54
P/TBVx
39.06
38.48
39.42
40.40
41.92
49.79
55.01
57.68
63.13
69.49
7.191
57.68
45.86
48
36.18
P/Bx
9.265
9.340
8.526
7.947
8.165
7.891
8.176
8.664
8.437
8.475
21.52
8.437
8.456
16
67.46
NII$M
65.16
65.71
67.89
68.90
69.76
70.96
73.99
72.65
74.19
77.37
40.75
2.09%
1.74%
—
29.24
NII grth%
15.99
15.77
12.94
9.96
10.31
11.53
10.13
7.67
10.61
12.98
4.51
10.61
11.07
27
6.35
ROTE%
7.76
7.17
7.41
8.10
9.16
11.36
10.84
8.48
5.95
5.06
17.57
8.48
7.93
24
6.11
Return on equity%
4.22
4.28
2.75
3.29
4.62
5.67
7.95
5.00
7.61
4.86
14.36
5.67
4.74
40
16.20
Return on assets%
1.85
0.40
0.66
3.03
0.40
0.40
0.40
2.80
3.27
3.34
15.58
2.80
1.25
49
2.44
EPS$
2.22
2.11
2.10
2.23
2.21
2.19
2.36
2.44
2.63
2.70
2.68
4.09%
2.90%
—
5.75
EPS growth%
25.63
26.76
24.84
23.33
21.05
23.24
25.58
23.20
24.17
23.43
14.15
23.43
23.80
82
1.50
Bookvalue per sh$
0.77
0.80
0.70
0.71
0.66
0.64
0.66
0.72
0.72
0.69
4.22
0.61%
(0.89%)
—
2.23
TBV/sh$
2.08
2.18
2.32
2.43
2.62
2.93
2.73
2.91
2.84
2.75
1.40
1.01%
1.73%
—
2.87
Dividend per sh$
2.97
3.16
3.22
3.16
3.29
3.91
4.65
5.49
5.91
6.45
0.96
14.40%
8.95%
—
16.55
Div yield (avg)%
0.40
2.02
1.12
0.85
2.87
4.90
4.26
6.73
3.74
3.58
25.02
4.26
3.23
74
10.89
Payout ratio%
4.23
4.87
5.55
4.36
5.10
6.17
3.86
1.58
0.40
3.26
18.16
3.26
4.30
8
16.45
Shares (diluted)M
17.49
18.36
17.91
16.82
19.49
18.55
17.35
18.80
21.13
20.92
15.95
1.43%
1.83%
22
15.29
Buyback yield%
9.09
7.18
6.45
5.93
8.57
5.84
5.48
5.33
3.46
5.95
13.73
5.48
5.94
67
97.34
Eq/Assets%
28.20
32.24
35.46
40.60
44.82
44.51
48.03
48.83
57.27
67.08
109.48
48.83
44.66
80
64.06
Assets$M
275.2
289.0
308.4
328.3
363.3
398.7
419.4
440.8
473.6
519.3
35.27
7.41%
7.95%
16
11.38
LT debt$M
93.12
101.3
112.2
114.6
116.0
135.3
140.3
151.4
171.4
171.2
73.43
8.09%
7.06%
32
Total assets
$519.3M
7.95%
1.78×
Revenue
$107.0M
1.91%
1.00×
Non-interest expense
$53.13M
1.76%
0.99×
Net interest income
72.32%
Non-interest income
27.68%