48.89
Revenue$M
142.8
149.9
155.8
164.2
172.2
183.8
199.7
215.1
226.0
239.5
52.73
6.82%
6.07%
71
29.19
Revenue growth%
10.05
8.17
10.45
9.07
8.81
11.08
12.30
13.21
11.89
11.17
15.34
11.89
10.77
11
27.63
NIM%
8.22
5.72
4.29
7.26
4.97
2.28
2.91
3.66
5.18
4.68
27.81
3.66
4.83
71
8.90
Effic. R.%
30.03
31.01
31.61
31.20
33.12
32.97
30.54
29.97
30.35
28.17
11.08
30.35
30.78
28
26.47
Net margin%
12.09
10.56
12.03
14.56
16.29
14.59
12.68
10.46
12.51
13.90
23.17
12.68
12.60
40
16.81
P/E ratio (avg)x
6.667
6.610
5.774
6.331
5.690
6.194
6.553
6.109
5.589
5.741
23.48
6.109
6.152
34
16.78
P/TBVx
9.185
8.321
7.560
6.876
6.888
7.473
7.154
6.351
6.466
6.588
27.54
6.588
7.021
30
12.05
P/Bx
15.89
17.50
16.89
18.39
17.13
15.36
15.03
14.27
15.62
14.23
28.45
15.03
15.76
20
16.73
NII$M
99.47
107.0
111.4
115.4
120.9
128.1
142.7
151.1
160.3
169.1
136.4
6.94%
5.94%
—
26.84
NII grth%
16.47
17.08
14.21
12.79
14.83
17.44
19.79
20.87
22.19
21.33
11.89
20.87
17.26
8
16.97
ROTE%
12.72
12.88
10.53
10.64
11.19
11.28
10.66
9.59
9.75
7.41
23.52
9.75
10.65
69
11.38
Return on equity%
19.53
17.46
19.08
21.34
23.89
24.62
23.13
25.27
26.58
27.19
24.35
25.27
23.51
38
22.34
Return on assets%
3.38
1.06
3.23
3.49
5.60
5.76
5.42
3.36
2.09
4.54
27.24
4.54
3.43
35
2.23
EPS$
2.00
1.88
1.99
1.86
1.70
1.69
1.85
1.92
1.84
1.92
2.45
2.50%
(1.20%)
—
26.98
EPS growth%
2.76
4.49
5.27
2.66
0.40
2.23
0.87
0.40
2.39
1.92
18.04
1.92
2.31
7
5.25
Bookvalue per sh$
1.99
2.03
2.12
2.07
2.25
2.28
2.16
2.41
2.55
2.64
4.57
3.22%
3.88%
—
1.62
TBV/sh$
4.01
4.42
4.10
4.53
4.94
5.27
5.20
5.03
4.52
4.04
3.46
(3.96%)
(0.15%)
—
2.33
Dividend per sh$
1.66
1.79
1.88
2.07
2.22
2.55
2.54
2.90
3.22
3.19
0.82
7.54%
7.51%
—
15.02
Div yield (avg)%
13.34
10.46
7.69
7.92
5.98
4.69
2.58
1.23
2.22
4.49
4.99
2.58
5.34
55
16.13
Payout ratio%
9.41
12.40
13.01
13.81
15.20
16.23
14.53
15.60
12.89
13.34
16.74
14.53
13.57
30
15.06
Shares (diluted)M
19.01
19.51
19.39
18.78
17.76
20.44
18.89
19.84
20.15
21.40
14.71
3.80%
2.66%
6
20.63
Buyback yield%
7.60
7.91
9.36
9.54
7.64
7.43
7.26
7.96
7.74
8.65
25.49
7.74
7.83
65
134.69
Eq/Assets%
87.84
81.36
77.89
71.11
73.10
77.48
73.94
69.33
64.23
69.95
114.56
69.95
73.52
84
99.28
Assets$M
65.89
69.36
74.43
82.71
89.46
96.53
107.1
115.4
127.8
137.6
145.3
8.99%
8.76%
6
34.56
LT debt$M
101.2
103.6
115.7
119.9
128.1
138.4
151.4
158.7
174.9
179.8
107.9
7.01%
7.40%
45
Total assets
$137.6M
8.76%
1.28×
Revenue
$239.5M
6.07%
1.00×
Non-interest expense
$125.5M
5.87%
0.98×
Net interest income
70.59%
Non-interest income
29.41%
Return on capital
194.58%
Spread over hurdle
187.45%