76.80
Revenue$M
144.5
149.8
152.5
155.2
161.9
168.6
177.7
184.5
190.8
200.4
82.07
4.36%
3.80%
13
17.70
Revenue growth%
22.96
20.62
22.07
22.55
22.12
23.84
24.07
22.10
24.74
25.59
6.98
24.07
22.76
67
15.97
NIM%
15.63
15.49
16.61
17.27
15.59
13.89
15.90
14.22
15.31
14.55
14.88
14.55
15.54
51
7.59
Effic. R.%
27.88
25.33
26.52
25.36
25.38
22.40
20.24
21.56
24.04
24.47
8.68
22.40
24.90
44
17.67
Net margin%
10.14
12.22
15.20
15.66
18.29
20.11
18.14
18.09
17.67
17.80
25.93
18.09
17.74
46
31.57
P/E ratio (avg)x
18.42
18.04
16.97
15.55
14.24
15.69
17.07
18.77
18.34
17.59
18.56
17.59
17.33
77
27.09
P/TBVx
38.99
41.55
39.58
42.73
48.96
54.80
51.56
54.03
50.62
47.20
22.84
51.56
48.08
61
6.480
P/Bx
47.02
48.09
53.67
61.90
68.24
73.18
80.66
91.37
87.56
98.58
7.749
87.56
70.71
83
45.87
NII$M
85.72
87.78
90.34
90.38
94.21
100.6
106.0
107.9
111.4
120.0
63.98
4.95%
3.87%
—
10.63
NII grth%
7.69
6.11
8.36
8.96
7.70
10.15
11.70
10.82
11.11
13.21
15.18
11.11
9.55
34
12.07
ROTE%
27.42
29.88
28.22
27.33
26.83
26.77
26.02
27.74
28.73
29.52
8.62
27.74
27.58
41
2.44
Return on equity%
31.18
28.53
29.18
28.41
31.11
31.33
29.01
26.91
25.38
26.75
12.25
26.91
28.77
23
10.50
Return on assets%
8.74
9.39
6.89
7.60
8.40
11.10
8.36
8.22
7.70
8.09
20.52
8.22
8.29
55
8.03
EPS$
4.76
4.99
5.46
5.23
5.88
6.21
6.95
7.77
8.42
9.05
8.81
9.02%
8.08%
—
20.42
EPS growth%
15.15
15.31
14.36
11.94
11.76
11.93
11.29
10.25
12.82
13.86
17.24
11.93
12.38
38
1.99
Bookvalue per sh$
2.07
2.06
2.31
2.44
2.41
2.79
3.07
2.94
2.92
3.39
6.30
7.07%
5.48%
—
5.84
TBV/sh$
7.74
7.73
6.61
6.21
6.66
6.55
6.85
6.09
5.76
6.02
1.50
(2.01%)
(2.75%)
—
4.29
Dividend per sh$
8.85
10.10
10.27
10.50
10.38
10.36
12.12
13.25
13.72
15.24
7.94
7.98%
5.44%
—
4.50
Div yield (avg)%
33.10
34.51
35.02
37.98
39.49
37.88
37.93
40.65
42.53
45.37
27.10
40.65
37.96
67
18.67
Payout ratio%
28.68
28.92
29.99
31.95
31.67
33.74
31.49
33.97
32.16
33.01
26.48
33.01
31.81
51
8.236
Shares (diluted)M
10.17
11.68
13.23
13.30
13.28
13.90
13.42
13.51
13.62
15.30
8.399
2.87%
3.53%
53
29.51
Buyback yield%
18.34
17.47
19.06
20.55
21.54
23.96
23.62
20.78
19.96
19.12
19.47
20.78
20.26
70
33.20
Eq/Assets%
94.69
102.24
102.30
108.05
121.01
127.99
120.17
133.81
129.53
142.80
48.35
129.53
120.59
90
117.7
Assets$M
41.86
44.50
49.61
54.93
61.27
64.21
70.89
78.50
85.66
92.64
116.3
8.62%
9.06%
38
124.2
LT debt$M
145.7
147.9
151.6
169.8
192.5
213.3
257.2
304.7
313.4
335.8
47.20
11.76%
8.79%
14
Total assets
$92.64M
9.06%
1.64×
Revenue
$200.4M
3.80%
1.00×
Non-interest expense
$119.6M
3.65%
0.99×
Net interest income
59.87%
Non-interest income
40.13%
Return on capital
195.57%