104.4
Revenue$M
126.7
132.3
138.8
146.7
152.9
159.6
170.8
178.4
186.5
202.9
115.2
5.82%
5.67%
50
25.21
Revenue growth%
15.52
12.58
15.08
13.44
15.10
15.57
12.93
13.34
12.58
12.28
26.00
12.93
13.39
19
5.95
NIM%
20.01
22.80
22.38
22.95
24.32
26.61
27.75
27.47
30.03
29.01
10.99
27.75
25.47
52
5.44
Effic. R.%
5.29
5.03
3.86
4.97
4.40
6.28
6.45
9.32
8.25
6.92
9.45
6.92
5.79
32
17.96
Net margin%
2.37
4.57
3.83
1.12
1.20
2.57
0.73
2.87
4.98
2.41
18.72
2.57
2.49
67
13.43
P/E ratio (avg)x
21.23
23.21
26.69
25.92
27.82
30.36
33.10
33.80
38.57
39.87
33.74
33.80
29.09
86
12.86
P/TBVx
12.84
11.45
11.09
10.41
11.21
11.15
9.576
8.762
8.258
8.750
22.36
8.762
10.75
27
12.28
P/Bx
12.00
12.48
13.86
14.61
14.47
16.05
16.66
15.24
14.54
16.25
6.293
16.05
14.57
10
157.2
NII$M
77.26
80.46
84.01
89.69
92.58
96.48
104.2
106.4
112.0
123.2
82.36
5.88%
5.62%
—
18.40
NII grth%
31.84
31.25
33.89
34.58
35.91
34.97
33.98
32.57
35.26
37.39
16.00
34.97
34.28
77
19.53
ROTE%
23.94
21.50
23.51
26.04
26.43
27.57
28.44
28.32
26.89
29.86
29.49
28.32
26.66
78
21.14
Return on equity%
28.95
31.43
29.28
32.23
32.85
33.17
31.38
31.02
33.00
31.41
24.81
31.41
31.42
39
3.14
Return on assets%
4.97
7.14
5.63
7.99
10.45
8.64
6.20
5.54
5.62
6.79
19.47
6.20
6.50
59
8.40
EPS$
9.96
9.32
8.66
8.40
7.98
8.78
8.72
8.67
9.56
10.86
9.10
6.35%
1.45%
—
5.41
EPS growth%
17.26
16.42
16.71
14.75
16.85
19.75
20.41
19.07
19.82
21.74
16.63
19.82
18.17
7
8.62
Bookvalue per sh$
6.06
5.24
5.17
4.89
4.82
4.06
3.63
3.08
3.14
2.81
11.60
(10.23%)
(8.62%)
—
8.69
TBV/sh$
8.07
7.48
8.02
8.58
8.87
9.36
8.78
8.34
8.63
9.49
3.06
1.36%
1.30%
—
4.07
Dividend per sh$
8.23
8.88
9.72
10.14
11.29
10.13
9.20
8.86
9.34
9.73
4.24
(2.92%)
0.64%
—
16.16
Div yield (avg)%
21.79
21.23
20.81
21.52
23.08
22.34
23.85
21.13
18.49
15.95
14.59
21.13
21.38
12
6.34
Payout ratio%
1.76
0.40
0.40
0.40
0.40
1.03
0.40
0.52
0.40
0.66
25.74
0.52
0.40
40
7.912
Shares (diluted)M
7.712
7.267
6.376
6.143
6.666
6.480
6.733
7.279
7.434
7.186
7.678
1.51%
(0.63%)
13
14.18
Buyback yield%
16.28
17.85
16.42
17.91
15.53
12.88
11.62
9.23
12.13
10.77
24.51
11.62
14.20
38
141.19
Eq/Assets%
112.21
124.61
136.82
158.71
183.52
180.00
187.95
213.18
227.43
229.82
117.16
213.18
181.76
94
127.5
Assets$M
387.7
411.5
446.1
506.5
540.2
577.3
606.9
651.7
706.6
758.1
124.3
7.01%
7.82%
56
107.8
LT debt$M
89.63
93.00
90.57
89.54
81.44
82.73
76.89
72.93
81.12
73.97
161.4
(1.91%)
(1.68%)
28
Total assets
$758.1M
7.82%
1.22×
Revenue
$202.9M
5.67%
1.00×
Non-interest expense
$120.0M
5.78%
1.01×
Net interest income
60.73%
Non-interest income
39.27%