102.3
Revenue$M
86.38
87.38
86.69
86.46
86.00
88.29
87.99
90.31
91.07
94.23
109.7
1.84%
0.86%
13
16.26
Revenue growth%
7.07
5.79
6.26
5.36
7.06
7.89
5.25
6.00
8.78
6.26
24.71
6.26
6.26
46
5.15
NIM%
22.07
24.49
25.03
24.22
23.71
26.23
28.31
30.51
30.52
30.04
26.96
30.04
25.63
42
17.20
Effic. R.%
13.82
15.85
14.62
16.61
17.22
17.10
17.01
19.18
17.94
18.62
21.14
17.94
17.06
12
21.68
Net margin%
5.40
7.92
10.85
12.05
9.06
11.20
9.81
9.18
8.28
7.99
13.96
9.18
9.12
30
11.60
P/E ratio (avg)x
34.51
35.23
38.38
43.82
42.47
43.11
50.28
53.74
59.81
62.39
35.09
53.74
43.46
76
30.87
P/TBVx
28.06
24.73
21.68
18.37
15.87
13.76
13.49
13.57
12.76
11.80
28.63
13.49
14.81
40
12.79
P/Bx
28.18
32.77
34.33
35.76
37.97
42.32
51.31
61.67
63.06
70.45
14.87
61.67
40.14
50
80.76
NII$M
60.83
60.33
61.44
60.62
59.81
61.31
61.02
62.70
63.36
65.15
69.78
1.72%
0.81%
—
28.64
NII grth%
21.38
21.32
18.99
17.99
20.88
21.95
22.16
21.88
24.58
21.85
3.39
21.95
21.61
42
24.98
ROTE%
19.43
20.13
18.70
18.14
16.69
16.16
15.01
12.06
13.56
14.17
24.47
14.17
16.42
10
29.62
Return on equity%
33.78
35.96
34.54
33.23
31.74
31.61
34.42
35.65
34.92
33.16
19.70
34.42
34.10
81
21.66
Return on assets%
16.12
13.66
13.56
11.80
13.64
14.66
13.05
12.72
12.93
12.93
17.53
12.93
13.31
39
2.83
EPS$
5.37
5.73
6.02
6.10
6.34
6.03
6.13
6.54
6.65
7.29
3.01
2.83%
4.19%
—
3.89
EPS growth%
34.13
33.36
33.42
34.05
32.29
29.92
31.43
31.00
33.69
32.45
5.04
31.43
32.91
76
2.92
Bookvalue per sh$
6.32
6.66
7.64
7.24
7.18
7.47
8.15
7.72
8.18
9.37
3.06
5.47%
5.27%
—
1.18
TBV/sh$
4.16
4.61
5.12
5.55
5.27
6.02
6.73
7.44
7.58
6.99
3.20
5.79%
6.22%
—
1.74
Dividend per sh$
5.76
6.17
7.14
7.36
8.57
9.16
8.79
9.60
9.42
10.48
4.26
4.11%
5.55%
—
22.09
Div yield (avg)%
18.22
18.83
21.48
19.20
19.64
18.47
20.91
18.09
18.66
17.18
28.63
18.47
18.74
39
12.73
Payout ratio%
14.04
11.87
14.25
13.87
13.41
11.02
11.10
11.50
14.31
15.27
11.91
11.50
13.64
6
15.46
Shares (diluted)M
13.19
13.84
12.93
13.61
12.08
12.82
13.65
14.18
13.92
13.65
14.89
2.47%
1.13%
52
27.26
Buyback yield%
10.82
8.24
9.04
10.68
10.46
7.69
7.77
6.33
8.30
6.56
2.61
7.69
8.27
20
174.06
Eq/Assets%
128.93
139.68
161.30
186.05
214.61
242.89
261.28
298.18
281.99
267.30
113.43
267.30
228.75
19
0.014
Assets$B
0.492
0.547
0.598
0.650
0.705
0.787
0.836
0.870
0.957
1.028
—
7.83%
8.94%
27
90.85
LT debt$M
76.39
69.90
69.73
65.00
62.50
60.61
64.92
64.96
67.89
69.27
10.25
2.08%
(2.11%)
63
Total assets
$1.028B
8.94%
2.16×
Revenue
$94.23M
0.86%
1.00×
Non-interest expense
$46.31M
0.89%
1.00×
Net interest income
69.14%
Non-interest income
30.86%