80.42
Revenue$M
142.1
143.9
146.6
147.3
147.9
150.8
147.9
145.2
143.8
145.4
84.69
(0.34%)
0.29%
56
29.95
Revenue growth%
17.76
19.51
21.13
23.23
22.21
23.90
25.40
23.73
25.77
25.95
21.04
25.40
23.48
75
13.67
NIM%
26.61
27.32
29.70
32.11
34.40
34.99
32.94
30.82
30.97
31.58
15.23
31.58
31.27
17
27.53
Effic. R.%
5.66
6.73
6.59
7.16
8.12
5.13
6.23
5.47
6.62
5.17
25.26
5.47
6.41
54
14.00
Net margin%
27.81
27.16
29.32
28.77
29.72
31.52
29.47
27.54
27.23
26.25
26.63
27.54
28.29
60
37.96
P/E ratio (avg)x
31.18
26.69
26.25
24.25
24.17
21.25
18.43
17.38
15.21
14.82
19.89
17.38
22.71
52
16.80
P/TBVx
18.37
20.78
20.56
19.26
18.40
17.95
19.31
21.00
20.06
23.16
27.33
20.06
19.69
50
33.04
P/Bx
7.734
7.527
7.618
8.242
7.375
6.526
6.495
6.891
6.444
6.315
30.12
6.495
7.133
76
78.89
NII$M
77.08
78.09
80.83
80.53
81.13
81.94
80.92
81.53
79.83
80.08
149.0
(0.26%)
0.41%
—
12.75
NII grth%
12.85
13.11
15.27
14.24
11.29
9.38
7.35
8.26
7.33
7.60
23.01
7.60
10.33
18
22.22
ROTE%
33.45
31.47
30.03
30.23
32.95
30.83
32.14
34.37
35.31
36.48
8.76
34.37
32.55
86
28.74
Return on equity%
11.21
9.38
8.10
6.48
8.01
5.95
4.09
6.57
8.22
11.06
17.91
6.57
8.05
80
24.63
Return on assets%
7.40
6.90
4.62
7.59
9.35
9.02
11.29
12.66
13.54
13.03
20.49
12.66
9.18
82
7.40
EPS$
4.84
4.33
3.82
3.67
3.98
3.87
3.68
3.71
3.99
3.95
8.13
(0.13%)
(1.39%)
—
4.54
EPS growth%
25.45
27.24
24.89
23.81
24.48
25.05
24.52
26.95
24.54
26.65
24.59
25.05
24.97
87
1.91
Bookvalue per sh$
2.38
2.49
2.50
2.46
2.83
3.04
3.18
3.17
3.72
4.50
3.73
9.70%
7.10%
—
7.29
TBV/sh$
1.39
1.29
1.28
1.33
1.21
1.32
1.32
1.32
1.29
1.26
5.32
0.85%
(0.24%)
—
4.39
Dividend per sh$
7.35
8.08
8.28
8.26
9.81
10.90
13.04
14.41
15.27
15.46
6.77
9.53%
8.65%
—
3.05
Div yield (avg)%
19.29
16.39
15.64
14.29
14.69
12.16
10.81
7.93
6.17
3.37
20.17
7.93
13.23
90
12.03
Payout ratio%
20.79
18.65
16.82
15.27
17.73
19.72
19.16
16.78
14.31
12.96
17.27
16.78
17.27
57
30.65
Shares (diluted)M
25.40
27.46
28.84
29.61
28.85
31.57
31.07
28.29
27.65
25.67
31.10
(2.31%)
(1.10%)
27
24.64
Buyback yield%
24.13
23.00
20.34
21.59
21.46
24.15
23.73
26.15
28.25
29.38
15.23
26.15
23.93
46
39.58
Eq/Assets%
228.27
224.97
236.61
256.70
235.20
211.72
233.10
247.47
231.24
253.38
95.59
233.10
234.15
65
0.148
Assets$B
0.704
0.766
0.826
0.884
0.968
1.043
1.158
1.243
1.349
1.489
0.037
9.00%
8.63%
51
136.8
LT debt$M
110.7
104.3
107.9
114.5
105.4
115.7
113.0
115.5
100.5
99.71
120.4
(1.11%)
(0.88%)
17
Total assets
$1.489B
8.63%
2.22×
Revenue
$145.4M
0.29%
1.00×
Non-interest expense
$79.03M
0.09%
0.98×
Net interest income
55.08%
Non-interest income
44.92%