88.40
Revenue$M
85.68
89.85
93.21
96.99
99.10
102.3
106.8
111.7
116.1
117.3
95.51
3.43%
3.50%
78
29.06
Revenue growth%
24.93
27.20
28.71
26.40
26.39
29.20
28.04
25.96
23.25
24.69
14.45
25.96
26.40
6
12.91
NIM%
14.46
14.92
14.60
13.84
14.54
14.31
11.67
9.74
7.54
10.02
7.08
10.02
14.07
5
11.83
Effic. R.%
32.94
35.56
36.88
36.42
38.18
36.13
38.00
36.52
35.42
35.20
14.79
36.13
36.28
84
21.42
Net margin%
13.89
10.94
11.56
10.66
12.90
12.22
14.28
15.67
15.56
14.38
4.86
14.38
13.39
27
18.88
P/E ratio (avg)x
25.81
26.13
25.81
27.46
26.72
30.47
28.16
27.92
31.52
36.12
27.14
30.47
27.69
52
6.414
P/TBVx
17.01
15.30
15.59
14.09
13.70
13.90
12.31
12.46
12.33
12.51
25.62
12.46
13.80
39
21.45
P/Bx
18.95
21.47
24.12
28.25
29.58
33.46
38.90
39.12
41.84
39.68
28.49
39.12
31.52
86
69.15
NII$M
63.07
67.09
68.69
72.41
73.43
74.58
78.82
82.39
84.71
85.92
114.1
3.19%
3.32%
—
25.72
NII grth%
21.89
19.45
21.67
22.78
23.12
24.51
26.33
23.65
21.13
21.74
8.84
23.65
22.33
94
4.93
ROTE%
17.76
19.00
18.23
18.61
20.38
18.01
15.48
13.03
12.96
12.94
3.56
13.03
17.89
79
3.78
Return on equity%
10.84
9.49
8.35
6.50
5.40
2.63
4.04
1.07
2.99
1.53
8.87
2.63
4.72
35
3.14
Return on assets%
16.27
13.64
16.15
17.93
15.84
14.05
13.37
16.16
15.34
12.36
28.38
14.05
15.59
54
5.05
EPS$
4.90
4.85
5.61
6.57
7.50
7.52
7.63
8.97
9.19
9.18
5.23
4.11%
6.81%
—
18.80
EPS growth%
28.66
30.68
30.04
32.67
31.02
31.93
29.90
27.30
28.13
29.94
13.64
29.90
29.99
70
1.28
Bookvalue per sh$
5.82
6.65
6.37
6.27
6.85
7.68
7.93
8.73
8.57
8.71
3.21
4.93%
5.46%
—
4.86
TBV/sh$
2.31
2.54
2.99
3.37
3.17
3.65
3.62
3.80
3.72
3.54
5.14
2.20%
4.78%
—
2.14
Dividend per sh$
8.43
9.10
10.98
12.37
14.24
16.41
19.22
22.58
25.40
24.96
1.04
11.88%
12.89%
—
7.83
Div yield (avg)%
25.31
27.61
26.10
25.61
28.32
25.72
24.09
23.02
24.54
24.47
6.23
24.47
25.46
88
2.36
Payout ratio%
30.42
31.59
30.48
32.32
33.12
34.38
36.03
35.71
34.33
32.71
16.11
34.38
32.91
51
16.30
Shares (diluted)M
20.82
20.31
23.14
22.32
21.15
23.70
23.05
24.71
25.33
24.42
16.50
2.91%
2.07%
59
12.68
Buyback yield%
22.01
22.79
21.28
18.96
19.38
17.51
19.36
19.47
19.25
17.51
22.25
19.25
19.37
13
69.35
Eq/Assets%
100.63
115.36
123.82
146.18
167.74
200.84
224.37
241.61
240.93
249.34
159.24
240.93
184.29
43
13.27
Assets$M
398.7
426.4
473.3
532.0
579.8
630.2
695.5
740.5
804.1
890.5
39.22
8.96%
9.83%
10
41.67
LT debt$M
99.95
115.1
138.8
153.5
174.9
188.2
224.3
252.3
269.1
309.3
57.56
12.07%
12.20%
76
Total assets
$890.5M
9.83%
1.81×
Revenue
$117.3M
3.50%
1.00×
Non-interest expense
$58.03M
3.54%
1.00×
Net interest income
73.24%
Non-interest income
26.76%