60.93
Revenue$M
355.4
354.4
351.7
361.0
368.1
372.4
382.2
395.6
401.8
403.5
65.85
1.85%
1.46%
76
19.72
Revenue growth%
22.91
21.50
20.35
22.76
21.44
23.77
23.86
21.98
19.49
18.92
20.65
21.98
21.74
91
16.87
NIM%
22.41
20.10
18.98
21.94
21.55
21.88
18.97
19.14
17.19
16.59
13.68
18.97
19.62
54
22.59
Effic. R.%
13.85
13.31
10.42
10.95
8.05
9.41
11.61
12.74
15.44
16.83
26.09
12.74
12.17
40
20.70
Net margin%
21.94
24.13
23.78
24.81
23.61
20.87
19.33
20.24
20.45
22.83
23.09
20.45
22.38
31
33.61
P/E ratio (avg)x
39.48
43.09
44.57
49.15
45.10
50.85
49.58
48.61
47.06
45.66
26.50
48.61
46.36
87
24.19
P/TBVx
37.58
38.53
41.69
42.45
43.63
38.72
37.39
34.64
34.68
34.78
29.59
34.78
38.05
40
19.55
P/Bx
29.28
31.34
28.93
27.91
29.22
30.94
29.70
29.33
29.27
27.21
21.28
29.33
29.27
91
14.24
NII$M
197.9
195.1
193.6
201.4
203.6
207.7
211.2
220.4
222.1
226.9
94.74
2.19%
1.67%
—
3.76
NII grth%
21.48
21.30
21.71
22.53
22.29
20.43
23.16
23.22
22.83
22.54
10.64
22.83
22.41
10
2.65
ROTE%
24.43
22.85
23.71
23.17
21.33
18.59
19.71
19.89
17.68
18.48
19.72
18.59
20.61
30
14.41
Return on equity%
11.15
11.31
12.74
13.35
12.27
15.24
18.03
20.57
21.60
21.81
10.94
20.57
14.30
83
12.86
Return on assets%
21.10
23.11
22.74
24.74
25.50
25.33
23.93
23.79
23.99
25.91
9.80
23.99
23.96
88
4.68
EPS$
9.27
9.07
9.34
10.12
10.47
10.21
11.41
13.40
15.93
16.42
5.11
9.41%
7.71%
—
27.47
EPS growth%
6.27
8.76
9.78
11.46
9.52
8.46
5.90
8.86
10.03
8.46
18.48
8.46
8.81
6
5.24
Bookvalue per sh$
7.66
6.80
6.55
6.20
6.02
5.91
6.15
5.97
6.30
6.11
6.18
0.32%
(1.92%)
—
5.38
TBV/sh$
4.06
4.45
4.58
5.06
5.18
6.19
7.06
7.56
9.09
9.55
4.23
13.02%
8.64%
—
1.39
Dividend per sh$
4.45
4.13
4.24
3.97
4.00
3.63
3.51
3.86
4.00
3.77
8.93
(1.17%)
(2.61%)
—
9.04
Div yield (avg)%
16.84
19.17
18.05
18.07
18.11
16.17
17.13
19.35
19.61
22.39
8.42
19.35
18.09
78
26.29
Payout ratio%
26.81
24.37
26.69
29.37
27.09
28.15
30.77
27.85
27.08
29.27
8.55
28.15
27.47
65
17.39
Shares (diluted)M
16.65
15.66
16.91
18.10
17.70
18.23
19.81
21.06
22.22
20.85
17.11
3.34%
2.28%
8
8.15
Buyback yield%
29.56
31.40
33.81
36.16
36.88
38.16
39.00
38.68
37.76
37.86
8.04
38.16
37.32
83
165.49
Eq/Assets%
22.04
19.76
18.81
16.94
15.41
13.51
13.93
15.13
15.94
14.66
55.46
14.66
15.68
90
148.2
Assets$M
256.9
297.0
306.8
325.8
346.3
388.9
406.3
459.2
494.6
521.9
130.0
8.55%
8.36%
93
173.2
LT debt$M
211.3
226.6
223.0
235.2
252.6
273.3
265.3
276.2
304.3
331.7
109.8
5.60%
3.57%
76
Total assets
$521.9M
8.36%
1.93×
Revenue
$403.5M
1.46%
1.00×
Non-interest expense
$190.2M
1.50%
1.00×
Net interest income
56.23%
Non-interest income
43.77%