18.72
Revenue$M
25.09
26.45
28.09
29.94
31.11
33.40
35.24
37.88
40.04
42.78
20.96
6.58%
6.28%
55
13.84
Revenue growth%
0.40
0.55
2.49
0.40
0.46
0.40
2.96
1.54
2.22
3.56
23.10
2.22
1.05
73
2.54
NIM%
7.26
6.33
5.19
4.95
7.61
6.69
5.28
7.85
5.69
4.64
29.36
5.69
6.01
14
6.36
Effic. R.%
10.43
10.87
8.38
8.65
7.52
8.51
6.44
8.52
10.70
8.22
14.97
8.51
8.51
78
10.09
Net margin%
15.23
15.69
17.77
16.56
18.82
21.52
18.97
16.81
17.70
15.65
17.17
17.70
17.26
77
24.61
P/E ratio (avg)x
25.40
28.66
27.84
31.81
34.83
39.17
41.00
39.97
38.08
38.93
30.05
39.17
36.46
55
16.04
P/TBVx
33.76
37.96
38.42
44.70
42.85
42.46
44.92
48.46
55.99
65.15
28.26
48.46
43.78
32
26.59
P/Bx
37.84
41.07
37.38
37.07
40.34
37.87
40.76
37.54
35.43
34.62
6.041
37.54
37.69
35
28.45
NII$M
15.99
16.77
17.70
19.22
19.87
20.92
22.46
23.72
25.80
27.08
18.22
6.39%
6.12%
—
18.55
NII grth%
8.54
6.10
4.70
5.34
4.57
5.22
6.25
4.77
6.01
3.70
7.00
5.22
5.28
47
9.27
ROTE%
29.18
31.83
28.83
29.39
30.72
32.77
33.57
30.81
29.19
31.94
16.04
31.94
30.76
68
18.42
Return on equity%
14.80
17.39
16.45
19.24
20.19
18.47
21.29
22.95
25.37
23.82
5.98
22.95
19.72
30
27.22
Return on assets%
19.07
20.74
21.25
22.02
21.27
23.75
22.37
24.32
21.98
23.16
12.45
23.16
22.00
75
0.74
EPS$
0.87
1.02
1.03
1.21
1.20
1.43
1.40
1.64
1.65
1.63
0.82
6.22%
7.06%
—
28.87
EPS growth%
8.99
7.40
7.51
10.06
9.03
8.86
9.98
9.58
11.55
14.07
11.95
9.98
9.31
85
1.53
Bookvalue per sh$
1.65
1.80
1.91
2.11
1.87
2.03
2.21
2.04
2.15
1.89
1.33
0.25%
2.41%
—
1.78
TBV/sh$
3.42
3.72
3.87
4.46
5.12
6.18
7.03
7.41
8.32
8.70
1.46
11.20%
9.76%
—
2.13
Dividend per sh$
1.52
1.38
1.42
1.46
1.50
1.58
1.56
1.52
1.55
1.52
0.58
0.19%
(0.04%)
—
9.20
Div yield (avg)%
8.44
9.00
11.47
12.54
15.48
18.41
15.92
13.47
16.05
13.22
21.58
15.92
13.35
17
20.05
Payout ratio%
3.11
1.79
3.11
2.17
1.87
0.40
0.40
0.40
0.40
2.64
23.25
0.40
1.83
60
8.820
Shares (diluted)M
11.33
12.44
14.08
13.45
13.41
12.87
12.86
13.60
13.92
16.49
8.702
4.22%
4.30%
11
24.69
Buyback yield%
14.60
13.41
13.93
16.18
17.90
18.58
17.49
15.02
16.50
13.99
16.12
16.50
15.60
16
91.85
Eq/Assets%
99.60
103.09
100.65
109.11
121.03
132.22
155.47
153.42
159.28
158.03
40.09
155.47
126.63
21
27.86
Assets$M
27.63
30.63
32.75
34.87
37.23
41.13
43.74
49.32
50.76
56.80
29.50
8.82%
8.38%
33
12.37
LT debt$M
53.04
60.29
65.25
76.40
90.70
98.30
98.60
110.9
112.4
133.7
21.54
8.07%
11.34%
13
Total assets
$56.80M
8.38%
1.22×
Revenue
$42.78M
6.28%
1.00×
Non-interest expense
$20.92M
6.31%
1.00×
Net interest income
63.29%
Non-interest income
36.71%