175.3
Revenue$M
224.4
228.4
233.6
236.5
242.2
252.1
256.7
264.9
272.0
282.8
195.1
3.15%
2.63%
16
2.90
Revenue growth%
4.05
4.64
3.15
2.72
5.36
2.66
0.40
0.57
0.40
2.47
8.69
0.57
2.69
10
10.50
NIM%
13.43
15.50
16.70
16.88
16.05
18.15
16.07
18.39
15.64
15.36
4.19
16.07
16.06
10
14.11
Effic. R.%
28.21
29.15
27.83
29.30
28.95
27.21
29.95
28.66
26.05
27.24
5.64
27.24
28.43
14
19.55
Net margin%
10.12
7.43
4.85
3.92
6.48
7.44
6.36
5.84
5.52
6.33
6.17
6.33
6.35
29
23.64
P/E ratio (avg)x
20.03
23.54
23.05
23.42
22.48
21.62
23.85
25.85
24.87
25.32
19.10
24.87
23.48
7
21.44
P/TBVx
28.09
24.92
26.63
29.02
25.49
28.06
25.85
24.67
22.16
24.02
13.60
24.67
25.67
19
26.33
P/Bx
31.57
32.45
38.47
41.08
49.30
59.28
60.04
65.22
68.00
66.80
36.91
65.22
54.29
84
196.4
NII$M
131.9
136.7
138.8
140.4
144.1
147.2
151.8
156.7
158.1
168.7
100.8
3.21%
2.93%
—
29.42
NII grth%
31.26
33.14
30.57
32.99
35.55
38.07
36.28
38.89
36.45
37.18
3.60
37.18
35.92
6
22.18
ROTE%
6.54
3.62
4.30
2.01
2.21
2.83
1.94
3.50
4.78
5.78
17.79
3.50
3.56
49
29.04
Return on equity%
7.24
8.96
6.52
5.49
8.11
8.74
9.09
10.46
9.95
10.42
2.69
9.95
8.85
60
21.83
Return on assets%
22.49
20.95
20.54
23.38
26.18
27.16
24.35
22.49
21.65
18.86
11.52
22.49
22.49
84
0.74
EPS$
2.85
2.72
2.65
2.92
2.81
3.08
3.25
3.06
3.41
3.40
0.81
3.86%
2.58%
—
15.02
EPS growth%
29.00
28.92
29.30
28.53
30.46
28.97
30.81
33.51
32.22
30.44
29.18
30.81
29.87
83
2.48
Bookvalue per sh$
0.45
0.42
0.41
0.43
0.47
0.48
0.42
0.43
0.48
0.53
0.56
2.27%
0.64%
—
0.61
TBV/sh$
0.60
0.70
0.80
0.93
1.09
1.10
1.27
1.47
1.75
1.86
1.42
11.28%
12.64%
—
0.75
Dividend per sh$
1.28
1.45
1.46
1.71
1.85
1.97
1.91
2.04
2.09
2.39
2.18
5.27%
6.22%
—
5.99
Div yield (avg)%
8.64
7.87
7.65
8.73
8.49
10.95
10.47
13.13
13.27
15.21
28.70
13.13
9.60
32
25.87
Payout ratio%
17.81
17.36
16.10
18.36
17.14
20.02
21.84
20.07
22.83
21.55
4.28
21.55
19.19
84
21.43
Shares (diluted)M
16.05
14.98
15.96
14.62
13.27
12.63
11.01
10.59
10.07
9.833
21.43
(5.82%)
(6.20%)
52
27.50
Buyback yield%
12.72
15.28
15.62
17.14
16.73
16.24
18.02
18.00
20.85
18.13
7.92
18.02
16.93
63
81.33
Eq/Assets%
185.47
192.17
203.21
184.05
202.88
211.87
239.18
230.26
245.57
220.01
142.80
230.26
207.54
7
27.82
Assets$M
318.0
346.3
359.2
399.5
427.9
470.3
512.0
560.7
583.0
631.2
78.26
8.09%
8.10%
9
150.9
LT debt$M
34.49
40.46
48.18
47.43
53.61
62.08
68.94
72.64
87.15
104.0
95.09
14.16%
12.84%
62
Total assets
$631.2M
8.10%
1.68×
Revenue
$282.8M
2.63%
1.00×
Non-interest expense
$145.8M
2.90%
1.03×
Net interest income
59.65%
Non-interest income
40.35%