26.81
Revenue$M
66.47
67.87
70.25
71.17
72.06
73.37
74.02
74.23
73.49
73.39
28.78
0.37%
1.26%
32
16.75
Revenue growth%
13.68
11.23
9.95
10.26
10.09
11.68
14.57
14.96
12.45
12.22
2.93
12.45
11.95
72
24.33
NIM%
21.22
19.69
21.61
23.06
23.80
22.12
20.03
18.40
20.27
18.80
29.59
20.03
20.75
57
20.31
Effic. R.%
6.86
8.01
8.29
8.10
10.69
8.86
8.88
11.04
13.98
12.86
6.37
11.04
8.87
22
12.98
Net margin%
12.28
13.31
14.14
15.14
17.19
19.37
17.20
19.46
20.90
22.94
6.75
19.46
17.20
64
36.48
P/E ratio (avg)x
20.12
19.23
17.80
18.32
18.32
19.62
18.73
18.83
19.81
20.64
13.68
19.62
19.03
8
30.38
P/TBVx
44.52
49.56
54.88
64.70
72.27
76.17
89.05
103.0
99.64
105.0
34.37
99.64
74.22
90
18.96
P/Bx
33.34
31.77
30.97
33.46
38.87
43.17
48.49
52.33
54.56
52.26
15.82
52.26
41.02
14
43.00
NII$M
47.81
48.97
50.48
51.35
52.49
52.84
54.05
53.53
52.47
52.84
34.81
0.13%
1.13%
—
10.40
NII grth%
15.79
17.52
14.73
13.44
15.49
13.40
13.92
13.71
13.84
12.07
8.67
13.71
13.88
26
29.36
ROTE%
15.63
14.07
14.06
12.69
11.33
13.20
12.20
9.42
10.23
9.62
22.22
10.23
12.45
50
17.51
Return on equity%
36.74
36.45
38.30
36.66
37.30
34.59
32.94
34.93
37.07
38.01
9.22
34.93
36.70
89
26.67
Return on assets%
32.22
31.68
33.16
32.47
34.49
36.82
37.67
38.92
40.75
40.47
3.00
38.92
35.65
10
1.08
EPS$
1.20
1.27
1.28
1.36
1.43
1.69
1.63
1.71
1.73
2.04
1.16
7.31%
6.91%
—
12.61
EPS growth%
18.35
19.21
21.10
20.75
22.45
22.43
25.25
27.67
27.22
28.33
16.29
27.22
22.44
8
1.51
Bookvalue per sh$
3.60
3.80
3.97
4.21
4.56
5.42
5.46
5.84
6.47
7.44
1.85
10.30%
8.21%
—
2.78
TBV/sh$
0.81
0.89
0.86
0.92
0.83
0.84
0.79
0.88
0.94
0.95
2.82
2.76%
0.83%
—
1.61
Dividend per sh$
2.42
2.66
2.95
3.33
3.01
2.83
2.79
2.99
2.90
3.24
3.38
1.48%
2.44%
—
11.97
Div yield (avg)%
2.00
3.33
0.69
1.38
3.84
5.00
7.94
10.13
12.87
12.65
12.06
10.13
4.42
41
19.67
Payout ratio%
23.15
21.22
23.10
22.49
21.34
20.40
22.42
20.86
18.86
20.35
2.35
20.40
21.28
49
9.783
Shares (diluted)M
15.73
18.08
21.15
25.01
28.11
31.75
31.46
34.32
37.14
44.59
9.376
9.67%
12.95%
34
19.67
Buyback yield%
8.88
10.01
7.54
5.50
2.78
5.49
8.01
8.75
10.14
9.27
23.87
8.75
8.38
93
17.74
Eq/Assets%
176.35
174.06
170.13
192.34
184.74
199.27
200.25
227.63
239.86
231.32
91.04
227.63
195.80
44
21.01
Assets$M
101.5
106.0
113.6
118.5
127.1
140.7
154.5
160.3
169.0
189.1
42.32
8.28%
7.17%
58
13.09
LT debt$M
60.66
67.67
74.75
70.79
69.35
76.38
80.52
81.75
81.37
90.47
46.09
5.46%
4.63%
56
Total assets
$189.1M
7.17%
1.76×
Revenue
$73.39M
1.26%
1.00×
Non-interest expense
$39.91M
0.99%
0.97×
Net interest income
72.00%
Non-interest income
28.00%