77.26
Revenue$M
68.53
70.78
73.03
73.63
73.91
74.04
75.90
77.57
79.80
80.06
85.45
1.61%
1.62%
75
2.89
Revenue growth%
16.46
15.20
17.30
16.11
16.01
16.17
13.40
13.17
11.01
11.46
6.41
13.17
15.61
25
18.88
NIM%
13.89
13.96
14.15
13.55
15.20
17.13
19.00
21.39
23.22
25.80
7.61
21.39
16.17
31
2.63
Effic. R.%
23.45
24.58
25.53
28.08
25.88
26.79
24.04
22.30
19.38
20.87
11.16
22.30
24.31
66
20.99
Net margin%
19.99
19.14
20.19
17.98
20.75
20.19
18.06
16.20
18.77
16.75
29.91
18.06
18.95
63
18.44
P/E ratio (avg)x
28.29
30.70
34.63
37.00
41.16
46.04
51.54
52.43
51.68
57.95
27.40
51.68
43.60
77
31.34
P/TBVx
19.23
21.38
22.44
24.78
26.07
27.17
29.24
30.62
34.71
33.55
29.36
30.62
26.62
65
28.90
P/Bx
32.76
34.16
39.43
42.11
38.65
35.67
34.00
37.66
40.07
45.12
26.14
37.66
38.16
17
38.28
NII$M
47.95
49.36
50.82
51.75
52.04
51.45
53.27
54.07
55.03
56.20
48.66
1.55%
1.60%
—
13.56
NII grth%
2.44
3.53
2.58
0.40
0.40
2.78
5.27
7.66
5.55
3.18
7.30
5.27
2.98
90
19.19
ROTE%
24.37
23.29
21.38
22.43
22.91
23.65
25.57
28.38
25.74
24.40
29.95
25.57
24.01
45
29.65
Return on equity%
20.98
23.70
23.44
21.93
20.72
21.76
21.01
23.36
20.66
19.04
3.78
21.01
21.39
76
2.96
Return on assets%
9.70
11.92
9.85
7.53
6.70
5.39
8.29
6.91
8.86
7.76
21.83
7.76
8.02
94
4.25
EPS$
12.13
14.00
16.40
18.46
19.75
19.21
22.62
22.43
22.06
21.77
4.76
1.96%
7.03%
—
28.74
EPS growth%
20.13
17.62
20.45
18.93
16.64
15.22
16.74
15.33
17.63
18.71
9.48
16.74
17.62
24
2.73
Bookvalue per sh$
2.65
2.79
3.22
3.42
3.74
3.76
3.90
4.63
4.86
5.25
3.56
7.00%
8.68%
—
9.56
TBV/sh$
2.94
3.11
3.10
3.36
3.33
3.33
3.44
3.89
3.85
3.65
4.31
1.82%
3.15%
—
4.65
Dividend per sh$
9.03
9.73
9.94
10.43
10.80
11.05
11.87
10.84
11.20
12.24
3.87
2.54%
3.88%
—
4.04
Div yield (avg)%
11.20
12.12
11.50
11.74
13.42
12.94
10.06
9.18
6.81
7.02
17.24
9.18
11.35
71
27.13
Payout ratio%
16.42
19.16
20.47
20.28
19.08
19.58
17.04
14.12
12.51
13.26
21.24
14.12
18.06
18
12.97
Shares (diluted)M
10.82
11.90
11.98
11.47
10.77
10.53
9.641
9.818
10.47
11.34
12.57
1.05%
0.05%
11
13.10
Buyback yield%
19.71
17.69
14.84
15.24
17.98
18.54
18.65
21.24
18.96
18.27
19.54
18.65
18.40
63
61.58
Eq/Assets%
252.12
289.81
341.61
374.80
427.70
419.78
459.32
535.00
569.02
679.95
40.34
535.00
423.74
19
76.46
Assets$M
264.1
279.6
304.2
315.8
363.9
397.6
435.9
469.9
517.4
575.7
57.99
9.61%
8.73%
18
16.54
LT debt$M
25.27
27.47
31.49
30.33
32.45
36.83
38.47
42.10
45.43
43.78
52.82
6.17%
6.05%
83
Total assets
$575.7M
8.73%
1.97×
Revenue
$80.06M
1.62%
1.00×
Non-interest expense
$39.23M
1.49%
0.99×
Net interest income
70.19%
Non-interest income
29.81%