165.3
Revenue$M
105.6
110.2
114.6
117.7
119.6
124.9
130.1
136.1
141.9
146.1
175.9
4.08%
3.48%
73
25.38
Revenue growth%
21.05
18.76
18.82
17.17
16.23
15.69
13.35
12.79
15.43
14.67
23.37
14.67
15.96
86
23.05
NIM%
13.08
13.62
11.18
11.52
12.20
14.85
17.44
16.18
17.36
16.55
25.12
16.55
14.24
8
14.66
Effic. R.%
18.24
20.93
21.84
22.21
20.00
17.18
18.12
18.78
18.15
18.90
10.91
18.15
18.84
40
21.27
Net margin%
23.64
20.69
21.37
23.33
20.52
22.13
19.38
19.74
22.50
22.48
17.65
22.13
21.75
60
22.02
P/E ratio (avg)x
21.85
23.49
23.06
21.44
23.27
22.79
23.18
22.45
22.41
20.75
16.59
22.45
22.62
12
26.38
P/TBVx
11.88
12.96
14.39
15.00
15.81
15.64
16.26
15.59
18.19
20.52
23.61
16.26
15.62
88
27.32
P/Bx
13.13
15.11
16.93
19.26
19.06
21.96
21.47
24.32
23.91
26.13
9.001
23.91
20.37
61
28.36
NII$M
65.45
69.43
72.42
73.87
73.88
77.10
81.16
84.72
89.46
90.97
51.20
4.25%
3.36%
—
4.33
NII grth%
10.79
11.69
11.02
12.05
10.24
10.19
7.31
5.18
7.23
8.89
15.41
7.31
10.22
37
6.31
ROTE%
21.75
19.58
20.74
20.22
17.36
15.02
14.41
12.63
13.10
12.52
21.35
13.10
16.19
64
27.79
Return on equity%
1.43
0.40
0.40
1.93
0.69
2.63
3.09
5.22
5.61
6.30
22.76
5.22
2.28
34
8.91
Return on assets%
15.07
15.01
13.52
12.85
11.32
11.37
9.07
8.40
6.37
8.10
11.56
8.40
11.34
14
2.44
EPS$
8.20
8.42
7.76
8.16
7.18
6.13
6.05
5.34
4.56
3.91
2.52
(11.44%)
(6.55%)
—
20.43
EPS growth%
32.15
33.92
35.80
36.15
33.26
35.76
35.64
36.22
36.72
34.40
24.65
35.76
35.70
80
11.71
Bookvalue per sh$
9.66
9.40
9.69
9.58
10.99
12.50
14.12
14.72
16.39
16.69
3.55
8.72%
5.16%
—
2.67
TBV/sh$
12.05
12.48
12.36
12.05
13.79
14.41
16.18
16.96
16.36
16.07
4.95
3.12%
3.89%
—
7.97
Dividend per sh$
2.01
1.74
1.50
1.54
1.34
1.34
1.17
1.28
1.38
1.34
2.69
(0.04%)
(4.41%)
—
29.79
Div yield (avg)%
24.33
23.97
21.22
21.23
23.16
26.01
28.74
31.63
31.11
31.13
14.85
31.11
25.17
21
16.93
Payout ratio%
24.56
23.04
20.45
19.34
19.98
20.71
22.63
22.03
22.46
20.76
15.64
22.03
21.39
32
9.318
Shares (diluted)M
15.06
15.48
17.19
18.88
21.56
24.04
27.35
31.56
30.87
33.63
9.747
9.29%
9.09%
52
24.05
Buyback yield%
0.77
0.40
2.91
1.43
3.48
0.69
3.01
3.30
2.09
0.40
9.03
2.09
1.76
50
137.40
Eq/Assets%
94.91
100.79
104.38
106.57
96.89
106.61
95.95
84.76
76.15
68.41
107.73
84.76
96.42
37
115.3
Assets$M
290.9
308.7
351.4
386.3
416.3
440.0
467.4
530.6
557.0
601.9
57.76
7.65%
8.67%
34
80.92
LT debt$M
37.24
38.88
43.35
39.86
43.87
43.35
47.64
50.80
53.00
58.83
9.397
6.05%
5.00%
49
Total assets
$601.9M
8.67%
1.63×
Revenue
$146.1M
3.48%
1.00×
Non-interest expense
$68.33M
3.36%
0.99×
Net interest income
62.25%
Non-interest income
37.75%
Spread over hurdle
23.30%