140.0
Revenue$M
160.0
171.9
178.6
190.6
201.5
215.9
223.9
234.0
244.3
259.3
143.9
5.17%
5.63%
12
5.54
Revenue growth%
20.47
19.90
17.67
17.18
14.45
17.23
17.39
20.09
18.22
16.21
20.40
17.39
17.53
76
3.36
NIM%
1.79
3.32
3.77
2.56
2.49
5.39
5.18
2.70
0.40
0.49
18.20
2.70
2.63
75
28.70
Effic. R.%
23.53
20.65
18.28
17.54
18.58
19.99
21.33
22.04
20.57
22.98
26.61
21.33
20.61
28
9.14
Net margin%
23.24
26.13
27.31
26.31
24.87
26.54
25.21
24.56
22.24
22.19
11.72
24.56
25.04
22
36.76
P/E ratio (avg)x
16.87
18.03
16.82
16.14
16.11
15.13
15.94
17.70
19.54
19.77
30.48
17.70
16.85
47
37.04
P/TBVx
18.63
20.80
19.46
20.71
23.69
22.15
23.21
21.46
24.91
27.28
19.62
23.21
21.81
78
7.599
P/Bx
19.49
20.39
22.84
26.53
28.58
29.45
32.38
35.43
36.00
42.49
30.21
35.43
29.02
88
154.6
NII$M
91.31
97.10
103.0
107.6
115.7
125.6
129.0
134.8
140.5
148.5
193.9
5.12%
5.80%
—
19.47
NII grth%
13.55
12.60
12.76
13.64
15.22
16.13
18.51
20.53
21.83
24.40
5.33
20.53
15.68
76
2.82
ROTE%
0.40
0.40
1.00
2.75
5.66
6.13
6.37
7.26
9.77
11.58
24.69
7.26
5.89
92
26.97
Return on equity%
9.12
9.92
7.05
7.26
7.72
5.52
4.62
4.42
3.38
4.95
8.90
4.62
6.28
34
29.80
Return on assets%
1.42
0.40
0.40
0.40
0.40
0.68
0.40
2.75
0.40
2.73
29.82
0.68
0.40
18
1.19
EPS$
0.65
0.69
0.68
0.62
0.61
0.67
0.74
0.78
0.80
0.75
1.28
4.27%
1.13%
—
19.54
EPS growth%
20.62
22.30
22.41
25.38
27.33
27.65
25.10
26.74
29.65
29.01
29.82
27.65
26.06
64
1.75
Bookvalue per sh$
1.06
0.97
0.89
0.87
0.89
0.98
0.94
0.98
1.04
1.01
0.41
2.49%
(0.66%)
—
0.94
TBV/sh$
0.54
0.61
0.59
0.57
0.66
0.65
0.71
0.77
0.74
0.84
1.70
5.03%
5.44%
—
1.10
Dividend per sh$
2.32
2.58
2.54
3.02
3.26
3.67
3.79
4.34
4.90
4.82
1.58
8.12%
7.89%
—
12.73
Div yield (avg)%
31.18
33.58
34.99
36.16
33.65
33.40
31.90
33.87
34.89
37.88
12.06
33.87
33.76
56
11.03
Payout ratio%
14.30
17.24
19.37
21.04
20.56
21.16
18.64
19.48
20.06
19.52
10.19
19.52
19.50
62
27.19
Shares (diluted)M
34.51
35.49
40.02
39.03
42.52
49.21
47.60
46.42
44.69
42.27
28.29
(0.12%)
2.83%
60
18.16
Buyback yield%
30.08
31.70
31.94
34.15
35.99
36.59
38.34
37.31
35.92
37.98
21.02
37.31
35.95
88
128.28
Eq/Assets%
189.86
218.90
220.82
255.11
278.71
279.50
336.62
332.40
383.49
376.87
67.67
336.62
279.10
35
21.98
Assets$M
413.4
444.1
499.8
544.2
579.1
638.6
723.0
749.2
836.0
905.0
210.3
9.34%
9.48%
73
154.3
LT debt$M
156.3
162.1
188.0
204.4
201.8
195.8
203.7
212.3
247.5
278.9
83.34
6.69%
5.46%
35
Total assets
$905.0M
9.48%
1.43×
Revenue
$259.3M
5.63%
1.00×
Non-interest expense
$131.3M
5.73%
1.01×
Net interest income
57.26%
Non-interest income
42.74%