33.25
Revenue$M
67.00
72.28
76.09
80.96
86.29
90.45
95.68
103.9
113.7
122.7
35.43
7.29%
7.12%
25
12.19
Revenue growth%
12.65
12.90
13.74
12.03
9.66
11.74
12.11
11.03
9.48
12.06
17.69
11.74
12.04
50
11.38
NIM%
4.79
2.84
2.92
3.24
1.29
0.40
0.40
2.29
1.76
4.16
13.85
1.76
2.56
37
3.87
Effic. R.%
7.76
9.30
10.64
9.77
8.14
9.05
9.30
7.41
9.82
8.07
11.05
9.05
9.17
53
24.78
Net margin%
14.01
13.81
14.56
14.60
16.29
16.41
13.98
13.54
11.75
13.82
3.99
13.82
14.00
39
18.85
P/E ratio (avg)x
26.57
26.82
29.95
28.37
29.70
26.47
29.14
28.04
31.15
32.14
10.38
29.14
28.75
92
26.53
P/TBVx
63.22
63.82
67.11
69.73
69.51
71.04
85.33
102.8
121.7
128.1
18.99
102.8
70.39
63
22.91
P/Bx
56.13
61.97
64.45
74.76
81.24
84.10
89.39
87.72
102.9
116.0
20.26
89.39
82.67
66
26.44
NII$M
47.91
52.62
55.25
58.45
62.83
65.54
69.02
75.87
81.89
87.97
23.09
6.96%
6.96%
—
16.00
NII grth%
5.72
4.96
5.53
8.50
10.55
10.69
12.44
15.33
15.72
15.48
2.38
15.33
10.62
84
11.45
ROTE%
8.70
6.24
6.23
8.52
5.89
7.63
5.65
4.70
7.18
8.21
14.29
7.18
6.71
66
10.05
Return on equity%
27.73
25.04
25.58
26.09
24.96
23.05
24.12
22.15
24.26
25.36
23.01
24.12
25.00
44
11.55
Return on assets%
19.32
18.16
15.70
12.71
13.61
14.61
13.53
16.04
18.99
20.73
22.45
16.04
15.87
59
10.48
EPS$
1.88
1.71
1.56
1.70
1.80
1.57
1.58
1.60
1.62
1.77
10.85
(0.31%)
(0.52%)
—
15.21
EPS growth%
18.57
17.84
17.27
17.42
16.62
18.87
20.36
17.74
20.07
18.13
7.40
18.87
17.99
16
7.73
Bookvalue per sh$
9.50
10.34
11.27
10.71
11.86
12.99
14.25
14.43
14.59
15.25
5.19
5.16%
4.70%
—
6.41
TBV/sh$
20.37
19.04
18.87
22.09
24.76
26.79
31.21
30.01
33.64
38.60
3.28
9.28%
7.23%
—
6.93
Dividend per sh$
12.78
11.99
13.74
15.00
16.89
18.81
20.63
23.42
25.91
27.84
4.31
10.51%
9.04%
—
7.60
Div yield (avg)%
10.79
11.53
11.66
14.23
13.33
15.30
15.90
18.05
17.61
19.51
16.03
17.61
14.76
14
14.84
Payout ratio%
27.74
25.52
22.91
20.77
23.11
25.33
24.06
22.22
21.68
18.80
19.45
22.22
23.01
64
4.921
Shares (diluted)M
8.729
8.744
10.25
10.34
11.84
12.02
13.62
13.30
14.11
16.47
4.792
6.83%
7.61%
36
11.93
Buyback yield%
29.16
26.73
28.62
27.52
26.30
25.94
28.07
27.35
29.65
29.10
12.71
28.07
27.80
94
174.32
Eq/Assets%
161.65
184.14
188.36
192.16
215.13
230.11
238.15
239.43
233.07
247.88
94.90
238.15
222.62
59
42.61
Assets$M
57.34
60.72
65.26
70.47
77.82
84.86
91.98
98.04
108.7
120.4
50.62
9.12%
8.84%
80
93.09
LT debt$M
87.07
90.76
96.52
108.2
107.7
121.7
133.6
146.3
159.3
158.2
63.96
7.98%
6.30%
89
Total assets
$120.4M
8.84%
1.17×
Revenue
$122.7M
7.12%
1.00×
Non-interest expense
$68.57M
7.14%
1.00×
Net interest income
71.71%
Non-interest income
28.29%