28.53
Revenue$M
78.66
84.34
88.67
95.37
100.5
108.4
117.2
126.3
132.4
137.3
30.45
6.44%
6.49%
82
25.44
Revenue growth%
8.43
6.31
3.42
1.32
3.81
5.34
2.45
2.60
2.42
4.57
8.92
2.60
3.62
57
20.42
NIM%
9.42
11.90
14.82
15.68
14.71
17.46
14.75
12.98
12.73
15.14
28.08
14.75
14.73
69
11.44
Effic. R.%
20.11
21.22
23.59
22.58
22.03
22.97
22.09
21.45
21.69
21.18
3.00
21.69
21.86
90
7.45
Net margin%
12.16
15.03
13.85
15.06
18.03
19.11
22.00
23.28
26.17
24.24
12.41
23.28
18.57
21
10.39
P/E ratio (avg)x
14.93
16.45
16.16
16.26
17.86
20.53
20.15
21.04
22.14
24.04
15.17
21.04
19.00
8
22.64
P/TBVx
32.09
30.25
28.57
32.66
31.94
32.07
35.12
40.37
43.02
50.02
9.556
40.37
32.37
94
21.86
P/Bx
27.33
31.96
38.24
44.75
51.11
61.10
61.77
69.11
70.61
78.45
31.35
69.11
56.10
65
8.898
NII$M
60.60
65.09
67.98
73.02
77.84
83.13
89.94
97.54
102.7
105.0
74.08
6.18%
6.40%
—
3.49
NII grth%
30.11
31.71
29.80
29.85
30.02
31.96
30.11
32.30
30.07
30.59
2.93
30.59
30.11
35
12.68
ROTE%
31.93
30.00
32.34
30.57
29.59
30.69
27.90
29.07
29.54
32.12
21.52
29.54
30.28
81
7.48
Return on equity%
25.09
22.78
25.24
25.84
23.20
23.22
24.18
26.42
26.82
25.03
21.69
25.03
25.06
13
22.71
Return on assets%
4.28
6.99
6.79
6.47
7.88
6.49
3.73
3.20
0.71
0.40
9.78
3.20
5.38
8
8.81
EPS$
3.47
3.67
3.95
4.46
4.48
4.93
5.18
5.67
5.44
5.45
9.72
3.97%
4.44%
—
29.23
EPS growth%
19.24
16.41
13.79
15.26
15.63
13.20
11.04
12.03
13.36
15.79
27.77
13.20
14.52
47
7.54
Bookvalue per sh$
9.77
9.72
8.88
9.81
10.83
11.24
11.26
12.47
13.68
13.91
3.06
5.13%
2.99%
—
7.63
TBV/sh$
10.11
9.81
10.58
12.36
11.89
11.83
12.55
13.90
14.61
16.54
2.39
6.82%
5.94%
—
3.49
Dividend per sh$
5.75
5.36
5.61
5.18
5.06
5.50
5.64
5.24
5.34
4.97
7.03
(0.38%)
(1.47%)
—
7.45
Div yield (avg)%
3.10
0.40
0.85
0.93
0.40
0.40
3.28
6.16
6.51
9.00
24.33
6.16
2.01
46
25.52
Payout ratio%
15.42
13.72
13.99
15.44
14.13
15.40
13.71
15.27
15.79
18.38
20.09
15.40
15.33
21
4.843
Shares (diluted)M
4.403
4.154
4.079
3.734
3.780
4.084
3.692
3.878
3.332
3.141
4.793
(3.63%)
(4.78%)
38
13.73
Buyback yield%
21.48
23.37
25.83
23.40
24.00
25.02
22.45
23.64
23.31
22.18
29.80
23.31
23.38
29
86.59
Eq/Assets%
19.93
18.34
19.81
21.46
20.69
22.12
23.34
23.37
24.18
25.03
36.30
23.37
21.79
26
70.37
Assets$M
204.2
224.0
238.9
256.6
284.5
311.6
357.8
386.2
419.9
439.2
116.1
9.07%
8.48%
6
70.90
LT debt$M
78.27
80.47
73.46
83.25
88.82
91.00
89.40
93.14
97.52
106.1
35.84
3.62%
4.28%
86
Total assets
$439.2M
8.48%
1.20×
Revenue
$137.3M
6.49%
1.00×
Non-interest expense
$83.57M
6.29%
0.98×
Net interest income
76.50%
Non-interest income
23.50%