67.76
Revenue$M
124.0
129.2
138.0
147.6
160.5
169.8
183.1
193.8
207.5
224.4
72.68
6.92%
7.00%
75
29.22
Revenue growth%
11.18
9.75
11.47
13.12
13.17
15.20
13.86
10.87
13.32
15.40
3.81
13.86
13.14
17
15.22
NIM%
24.81
25.93
25.04
27.90
29.93
28.28
26.84
27.34
26.17
23.53
26.14
26.84
26.50
10
14.58
Effic. R.%
19.17
18.52
17.97
16.08
15.99
13.54
15.50
17.12
14.39
15.18
2.18
15.18
16.04
83
4.13
Net margin%
25.69
25.69
27.59
28.14
26.83
29.58
30.94
30.55
29.66
30.04
17.68
30.04
28.86
9
6.535
P/E ratio (avg)x
14.73
15.08
14.72
13.20
13.88
12.26
13.49
12.19
12.35
11.27
10.61
12.26
13.35
16
24.69
P/TBVx
11.70
11.54
11.24
11.19
12.25
11.81
13.17
12.60
11.92
11.66
28.25
11.92
11.75
81
16.59
P/Bx
41.49
40.79
41.19
43.18
44.69
45.51
41.26
38.54
40.68
36.29
29.27
40.68
41.23
32
37.18
NII$M
75.28
78.57
82.77
89.02
97.06
101.3
110.6
116.0
124.8
133.5
170.4
6.58%
6.91%
—
21.42
NII grth%
29.58
28.38
30.74
31.65
30.11
31.30
28.84
26.08
28.32
27.14
25.82
28.32
29.21
12
3.81
ROTE%
18.83
18.26
18.44
19.78
21.98
21.76
24.46
23.33
25.68
23.13
7.01
23.33
21.87
78
5.98
Return on equity%
7.54
7.92
7.13
9.68
12.10
12.96
15.79
13.01
11.33
12.87
7.27
12.96
11.71
48
28.88
Return on assets%
4.91
4.74
2.07
0.40
0.40
0.40
3.04
1.49
0.40
1.31
16.23
1.31
1.40
30
0.61
EPS$
0.54
0.55
0.60
0.58
0.53
0.49
0.46
0.43
0.46
0.46
0.66
(2.82%)
(1.09%)
—
28.79
EPS growth%
0.40
0.40
0.76
0.40
2.43
4.36
1.99
0.40
1.10
0.40
25.04
1.10
0.58
50
0.17
Bookvalue per sh$
0.59
0.61
0.57
0.59
0.50
0.51
0.48
0.49
0.43
0.38
0.35
(5.37%)
(4.99%)
—
0.59
TBV/sh$
0.83
0.74
0.69
0.69
0.77
0.80
0.83
0.92
1.01
0.97
0.39
4.83%
1.45%
—
0.75
Dividend per sh$
0.14
0.15
0.14
0.15
0.13
0.14
0.13
0.13
0.13
0.14
0.39
0.63%
0.91%
—
20.42
Div yield (avg)%
27.48
30.09
31.43
28.44
30.06
32.06
31.23
34.06
33.03
30.76
4.27
32.06
30.99
5
14.11
Payout ratio%
16.13
14.27
12.54
10.61
12.68
15.53
14.49
12.24
13.87
15.07
6.96
14.49
14.07
16
121.6
Shares (diluted)M
162.7
170.8
169.9
172.7
177.3
176.2
179.9
199.2
211.8
230.2
121.2
5.36%
4.14%
37
4.24
Buyback yield%
9.00
8.11
8.66
6.38
6.38
6.63
9.32
10.36
9.16
8.73
23.23
9.16
8.69
75
18.11
Eq/Assets%
141.48
134.10
125.06
136.90
153.65
162.98
159.96
169.64
174.02
184.83
151.19
169.64
156.80
77
0.159
Assets$B
0.481
0.518
0.566
0.642
0.682
0.733
0.824
0.874
0.952
1.076
0.178
9.53%
9.29%
80
40.41
LT debt$M
214.9
222.2
218.2
217.9
227.0
259.0
245.6
229.4
228.0
250.4
84.29
1.98%
1.69%
32
Total assets
$1.076B
9.29%
1.24×
Revenue
$224.4M
7.00%
1.00×
Non-interest expense
$131.9M
7.04%
1.00×
Net interest income
59.51%
Non-interest income
40.49%