29.54
Revenue$M
33.46
33.18
32.79
32.79
32.51
33.23
33.73
33.65
33.44
33.55
32.12
0.63%
0.30%
56
3.14
Revenue growth%
11.88
14.02
11.85
9.32
9.36
8.48
10.99
10.37
8.90
6.42
26.00
8.90
9.86
9
12.47
NIM%
7.75
8.42
6.21
8.06
5.43
3.46
0.49
0.60
1.46
1.65
17.70
1.46
4.44
29
9.13
Effic. R.%
26.52
25.12
23.20
22.07
24.01
23.41
22.17
22.64
21.51
19.39
29.55
22.17
22.92
45
17.51
Net margin%
12.09
13.72
16.20
14.47
15.85
15.30
13.56
11.42
12.83
15.32
2.94
13.56
14.09
83
37.67
P/E ratio (avg)x
33.70
37.90
41.87
45.55
51.91
59.09
60.87
61.75
61.94
66.91
35.76
61.75
55.50
28
33.25
P/TBVx
42.91
50.08
58.14
66.77
71.09
79.68
89.96
99.23
111.1
112.9
30.83
99.23
75.39
8
37.61
P/Bx
44.84
52.98
55.55
55.94
63.73
76.78
88.64
93.05
99.80
103.2
37.63
93.05
70.25
61
28.59
NII$M
22.51
22.06
21.76
22.40
21.86
22.43
22.88
22.60
22.50
22.79
18.64
0.84%
0.28%
—
3.81
NII grth%
11.37
10.60
11.37
10.64
8.04
6.11
8.41
8.01
5.68
8.33
3.73
8.01
8.37
34
13.93
ROTE%
18.01
18.90
17.34
17.17
15.41
12.64
10.74
13.70
15.99
18.50
6.31
13.70
16.58
89
7.19
Return on equity%
20.40
20.21
21.54
18.91
16.61
16.46
14.67
12.61
12.89
14.20
2.66
14.20
16.54
87
27.24
Return on assets%
19.45
20.93
23.39
20.47
18.28
18.57
18.63
16.71
15.54
15.91
11.95
16.71
18.60
47
0.90
EPS$
0.59
0.66
0.65
0.58
0.53
0.50
0.47
0.43
0.45
0.41
0.93
(4.86%)
(4.54%)
—
29.39
EPS growth%
6.43
5.19
3.07
1.36
0.40
0.40
3.29
2.60
0.40
0.40
4.96
0.40
1.98
52
1.35
Bookvalue per sh$
0.71
0.78
0.88
0.95
0.96
1.13
1.17
1.31
1.49
1.57
0.22
10.41%
9.70%
—
0.78
TBV/sh$
1.63
1.61
1.72
1.88
2.28
2.67
3.06
3.70
4.06
4.56
0.86
14.92%
11.51%
—
0.54
Dividend per sh$
0.72
0.69
0.69
0.68
0.61
0.62
0.58
0.55
0.60
0.62
0.23
0.21%
(1.28%)
—
15.74
Div yield (avg)%
28.21
27.38
30.32
30.27
30.24
32.47
34.50
32.00
32.36
30.11
21.92
32.36
30.30
24
2.06
Payout ratio%
20.93
22.24
22.77
23.49
21.39
19.73
19.66
18.86
21.72
19.39
12.29
19.66
21.16
13
12.60
Shares (diluted)M
10.94
10.55
11.25
12.82
11.91
12.68
14.25
14.64
13.60
12.36
12.29
0.75%
2.16%
94
3.88
Buyback yield%
19.29
21.34
19.97
18.23
16.57
14.44
14.60
12.01
12.89
14.98
2.21
14.44
15.77
27
128.89
Eq/Assets%
58.36
61.79
53.98
56.02
48.64
50.09
49.20
49.77
53.16
46.70
109.55
49.77
51.62
45
11.59
Assets$M
176.7
184.6
201.2
221.7
238.7
259.4
296.9
318.0
347.5
375.9
9.135
9.51%
9.19%
67
13.55
LT debt$M
13.38
14.04
15.73
18.03
17.70
20.02
21.02
21.81
23.46
21.78
35.88
4.23%
5.67%
41
Total assets
$375.9M
9.19%
2.34×
Revenue
$33.55M
0.30%
1.00×
Non-interest expense
$18.43M
0.22%
0.99×
Net interest income
67.93%
Non-interest income
32.07%