95.33
Revenue$M
97.38
103.5
108.4
115.8
119.7
127.9
134.5
144.8
152.1
161.3
105.2
6.15%
5.78%
31
20.87
Revenue growth%
16.17
19.08
21.06
22.66
19.88
22.44
21.36
21.63
23.10
23.64
21.64
22.44
21.49
80
12.60
NIM%
6.13
5.40
6.10
4.99
5.46
5.83
4.07
2.72
2.84
2.19
22.86
2.84
5.19
59
12.65
Effic. R.%
11.55
12.86
10.83
9.64
10.43
10.79
9.21
7.42
8.02
8.28
9.69
8.28
10.03
21
15.53
Net margin%
9.34
9.23
7.51
10.15
11.54
10.36
11.46
10.71
12.28
10.58
26.02
10.71
10.47
58
16.92
P/E ratio (avg)x
29.07
26.45
29.98
31.87
33.12
32.87
29.95
34.03
37.59
40.62
30.89
34.03
32.37
36
18.92
P/TBVx
30.46
30.06
32.55
35.88
37.17
40.18
39.45
45.28
44.44
52.26
21.46
44.44
38.31
30
13.40
P/Bx
38.88
38.12
36.67
32.85
30.92
30.84
28.85
27.81
30.53
32.59
24.05
30.53
31.76
57
74.58
NII$M
60.27
63.86
67.16
71.16
75.39
79.83
84.26
90.98
93.47
100.8
97.29
5.98%
5.91%
—
25.13
NII grth%
8.82
10.72
7.92
8.84
9.87
10.63
12.09
10.39
12.57
13.65
27.33
12.09
10.51
67
9.47
ROTE%
6.85
7.88
10.19
12.77
14.36
12.30
13.48
16.34
13.43
14.83
11.20
13.48
13.10
28
9.83
Return on equity%
24.03
24.47
24.92
22.29
23.80
25.23
25.96
28.60
27.35
24.67
27.86
25.96
24.80
61
5.83
Return on assets%
30.83
28.67
28.31
29.06
29.87
28.48
29.22
29.18
27.35
26.55
16.48
28.48
28.87
48
4.86
EPS$
5.50
5.22
5.87
5.78
6.43
6.41
7.23
7.18
7.76
8.05
5.42
4.62%
3.24%
—
24.52
EPS growth%
3.88
6.34
6.86
7.97
8.87
8.33
7.88
8.42
11.24
11.12
8.90
8.42
8.15
25
1.24
Bookvalue per sh$
3.23
3.55
3.60
4.06
4.70
4.60
4.54
4.82
4.80
5.32
2.65
2.54%
6.05%
—
4.04
TBV/sh$
2.65
2.95
3.55
4.01
4.43
5.08
4.94
5.26
6.13
6.64
5.27
8.43%
9.90%
—
1.44
Dividend per sh$
2.99
3.09
2.92
3.02
2.93
3.07
3.32
3.07
3.30
3.61
4.33
4.24%
2.90%
—
11.54
Div yield (avg)%
24.95
24.49
21.94
20.22
20.62
23.05
22.91
25.48
24.62
25.88
27.27
24.62
23.77
38
11.18
Payout ratio%
33.57
35.47
33.25
31.23
33.55
34.29
37.14
38.48
38.47
37.03
2.41
37.14
34.88
44
19.21
Shares (diluted)M
24.95
26.68
25.46
25.08
24.90
23.62
24.25
25.21
24.25
23.81
19.21
(0.89%)
0.44%
67
6.85
Buyback yield%
10.30
10.83
9.99
7.97
5.78
4.55
3.35
1.08
0.70
1.91
12.69
1.91
5.17
63
174.62
Eq/Assets%
87.46
91.44
83.67
90.21
91.17
93.15
96.30
88.68
96.91
102.76
72.48
96.30
91.31
21
0.022
Assets$B
0.489
0.549
0.591
0.640
0.697
0.770
0.847
0.931
1.033
1.105
0.151
9.65%
9.63%
48
96.12
LT debt$M
205.0
200.0
227.3
225.7
240.7
268.1
289.8
333.1
379.9
444.7
104.0
13.07%
9.49%
35
Total assets
$1.105B
9.63%
1.43×
Revenue
$161.3M
5.78%
1.00×
Non-interest expense
$97.61M
5.65%
0.99×
Net interest income
62.48%
Non-interest income
37.52%