77.56
Revenue$M
64.83
68.70
72.23
77.28
84.67
90.22
97.49
104.9
112.5
123.2
84.50
7.80%
7.15%
66
16.52
Revenue growth%
26.03
28.66
27.81
26.67
29.41
31.36
32.25
31.89
33.24
33.80
15.34
32.25
30.39
91
18.13
NIM%
8.42
8.81
9.66
9.12
6.37
4.69
1.96
0.40
1.15
0.90
6.57
1.15
5.53
69
15.26
Effic. R.%
21.15
18.65
21.36
23.19
24.73
26.29
26.59
29.22
29.87
29.47
29.88
29.22
25.51
7
28.68
Net margin%
11.87
9.07
10.32
12.13
12.77
9.92
11.52
12.65
12.15
13.20
26.92
12.15
12.00
52
34.91
P/E ratio (avg)x
38.93
47.01
47.01
51.12
57.36
62.52
73.60
85.14
95.65
99.13
17.73
85.14
59.94
30
14.45
P/TBVx
33.43
37.63
40.76
43.17
44.61
51.64
58.24
70.07
76.20
90.74
35.93
70.07
48.12
40
8.905
P/Bx
25.75
27.87
30.66
32.52
35.45
31.98
31.16
31.80
35.47
39.56
27.84
31.98
31.89
20
18.74
NII$M
50.59
53.88
56.72
60.86
67.55
70.45
76.74
82.69
89.62
98.29
72.50
7.79%
7.37%
—
8.92
NII grth%
27.50
28.72
27.03
26.29
29.05
28.82
29.91
28.46
25.87
28.26
12.38
28.46
28.36
88
18.14
ROTE%
11.24
10.21
10.38
13.00
15.61
16.27
16.67
15.87
18.29
18.30
8.90
16.67
15.74
94
3.10
Return on equity%
18.70
21.31
23.10
21.89
21.67
21.99
23.15
23.30
24.92
22.34
25.61
23.15
22.17
66
12.66
Return on assets%
23.75
26.18
28.22
26.06
28.43
26.20
24.40
25.33
22.34
21.85
10.27
24.40
25.70
48
3.58
EPS$
2.02
2.19
2.22
2.44
2.35
2.51
2.45
2.24
2.20
1.97
3.91
(3.49%)
(0.54%)
—
25.80
EPS growth%
5.57
6.55
5.45
5.74
3.01
3.00
2.23
2.18
2.72
2.12
20.35
2.23
3.00
30
2.61
Bookvalue per sh$
5.55
6.27
6.34
6.02
6.67
6.44
6.17
5.76
6.56
6.76
3.35
0.25%
1.56%
—
4.07
TBV/sh$
0.81
0.94
1.02
1.00
1.14
1.31
1.30
1.27
1.22
1.36
3.53
3.53%
5.89%
—
1.38
Dividend per sh$
4.40
4.21
3.94
4.21
4.16
4.04
4.55
4.60
5.14
4.66
2.41
2.31%
0.57%
—
17.14
Div yield (avg)%
7.53
8.29
8.02
7.09
6.89
4.89
3.93
6.55
8.45
5.67
2.43
5.67
6.99
92
12.42
Payout ratio%
21.24
23.05
24.46
26.57
28.16
27.26
29.16
26.38
26.86
25.08
27.74
26.86
26.48
93
20.70
Shares (diluted)M
35.12
40.74
44.96
51.47
60.76
64.09
68.88
72.25
80.55
81.11
21.10
5.95%
9.95%
90
7.10
Buyback yield%
22.85
24.63
23.27
23.33
22.25
20.99
18.16
19.35
20.90
18.69
21.89
19.35
21.62
22
71.92
Eq/Assets%
10.99
10.92
10.41
10.75
11.07
9.43
9.79
8.72
8.30
8.14
116.37
8.72
10.10
9
27.16
Assets$M
170.0
188.4
199.8
211.0
234.5
262.4
283.8
308.5
333.1
371.7
19.47
9.65%
8.98%
63
43.38
LT debt$M
146.3
165.9
176.6
186.9
182.3
203.8
202.2
203.8
218.0
227.3
102.9
4.51%
4.73%
54
Total assets
$371.7M
8.98%
1.18×
Revenue
$123.2M
7.15%
1.00×
Non-interest expense
$60.52M
7.01%
0.99×
Net interest income
79.75%
Non-interest income
20.25%