45.76
Revenue$M
105.8
113.6
121.5
132.6
139.9
149.8
163.5
177.2
186.6
201.7
48.12
7.59%
7.36%
57
25.40
Revenue growth%
1.99
2.76
4.32
4.54
5.69
5.38
3.33
5.80
7.20
6.06
13.68
5.80
4.96
8
17.46
NIM%
22.88
22.72
25.50
27.98
28.06
29.07
29.51
32.01
31.05
33.64
14.82
31.05
28.56
14
18.98
Effic. R.%
21.03
18.06
15.69
12.79
11.76
13.25
14.14
12.95
13.53
14.21
28.97
13.53
13.83
27
16.17
Net margin%
20.67
19.85
18.71
17.51
19.40
21.92
22.09
25.06
23.95
22.59
17.18
22.59
21.29
14
26.39
P/E ratio (avg)x
39.05
42.44
48.02
57.32
57.99
64.36
77.19
82.29
85.84
87.34
34.51
82.29
61.17
8
37.43
P/TBVx
39.85
45.50
51.00
52.02
59.70
60.31
61.26
59.14
62.30
62.69
32.52
61.26
59.42
19
14.60
P/Bx
11.29
12.41
13.44
13.71
13.03
12.77
11.51
10.49
9.987
10.77
20.70
10.77
11.96
7
19.09
NII$M
83.08
88.77
94.76
105.3
109.7
119.4
130.4
138.2
145.7
157.5
93.64
7.50%
7.16%
—
22.45
NII grth%
11.30
9.04
11.64
14.49
12.38
14.20
16.08
15.86
14.73
13.05
27.88
14.73
13.63
80
17.32
ROTE%
21.82
20.76
22.71
22.44
21.45
23.21
20.32
22.32
19.88
17.31
13.54
20.32
21.64
48
19.83
Return on equity%
29.07
31.24
30.09
28.32
28.92
29.06
27.23
30.11
31.45
29.67
29.63
29.67
29.37
58
9.90
Return on assets%
27.91
25.46
25.82
26.95
27.45
25.06
27.08
26.85
29.83
29.33
28.67
27.08
27.01
86
2.24
EPS$
0.77
0.82
0.86
0.85
0.93
1.11
1.11
1.11
1.19
1.40
2.39
8.52%
5.68%
—
17.84
EPS growth%
8.70
7.65
7.78
9.34
8.63
7.27
4.30
2.24
1.25
0.50
15.74
2.24
7.46
51
1.21
Bookvalue per sh$
5.52
6.53
6.75
6.42
6.84
6.91
7.81
7.93
8.04
9.36
3.00
6.48%
5.38%
—
3.40
TBV/sh$
1.38
1.40
1.20
1.11
1.10
1.15
1.12
1.12
1.13
1.10
3.54
(0.06%)
(3.03%)
—
1.82
Dividend per sh$
1.28
1.36
1.30
1.27
1.24
1.15
1.12
1.13
1.23
1.11
1.38
(2.21%)
(2.38%)
—
20.41
Div yield (avg)%
19.71
20.76
18.47
19.30
19.43
20.41
18.52
18.02
17.85
20.14
24.43
18.52
19.36
39
25.46
Payout ratio%
4.56
2.62
1.81
3.56
6.22
6.28
4.52
6.89
5.98
7.28
2.35
6.28
5.27
85
17.92
Shares (diluted)M
21.56
22.41
25.40
26.40
25.51
26.68
26.99
27.55
28.42
30.07
18.07
3.34%
4.80%
34
24.27
Buyback yield%
24.85
25.04
22.51
23.75
26.40
25.91
24.74
24.45
25.15
25.38
5.26
25.15
24.94
51
72.57
Eq/Assets%
129.24
136.52
136.38
165.94
176.61
211.87
258.29
262.31
292.31
307.76
157.58
262.31
194.24
11
18.03
Assets$M
214.7
231.8
251.6
274.6
306.9
338.7
366.2
390.1
435.6
475.1
51.78
9.13%
9.77%
31
85.58
LT debt$M
281.5
288.2
282.0
280.1
290.6
324.7
367.8
443.0
437.3
482.9
95.63
10.69%
6.84%
28
Total assets
$475.1M
9.77%
1.25×
Revenue
$201.7M
7.36%
1.00×
Non-interest expense
$126.0M
7.58%
1.02×
Net interest income
78.08%
Non-interest income
21.92%