30.77
Revenue$M
49.84
53.29
55.02
56.89
58.99
62.22
65.01
67.71
71.31
73.44
33.44
4.48%
4.37%
68
27.33
Revenue growth%
10.59
11.80
13.46
15.31
12.33
12.29
9.87
11.44
9.01
9.68
5.67
9.87
11.62
71
10.33
NIM%
15.18
13.55
14.29
14.77
17.11
17.98
15.93
15.08
15.29
16.82
11.45
15.93
15.23
70
12.31
Effic. R.%
2.85
2.79
1.88
1.83
3.45
3.58
4.20
2.94
3.07
0.79
16.70
3.07
2.90
50
17.30
Net margin%
9.25
11.68
11.46
10.21
12.83
14.93
16.78
16.11
14.98
17.56
24.19
16.11
13.88
35
17.70
P/E ratio (avg)x
14.89
15.25
14.21
12.70
12.15
12.19
11.78
10.52
10.75
9.636
28.68
10.75
12.17
19
14.69
P/TBVx
31.22
30.97
31.62
30.80
26.72
27.40
29.89
28.57
29.57
29.66
12.11
29.57
29.77
23
15.02
P/Bx
13.12
14.23
14.20
13.34
13.97
15.20
16.44
15.31
16.29
15.85
13.14
15.85
14.72
15
81.33
NII$M
37.91
40.95
41.93
43.38
45.24
47.03
49.45
51.31
55.08
56.21
63.95
4.44%
4.30%
—
11.25
NII grth%
24.92
26.65
26.54
24.48
22.51
20.55
18.07
17.09
17.98
20.61
28.92
18.07
21.56
20
10.68
ROTE%
0.85
2.09
0.40
3.24
3.90
3.56
3.78
1.07
3.69
5.21
17.47
3.69
3.40
59
12.07
Return on equity%
27.80
28.67
30.09
28.89
28.48
26.90
27.20
25.45
24.09
26.12
18.63
26.12
27.50
52
27.24
Return on assets%
23.94
22.87
21.18
23.65
24.45
22.82
23.50
24.42
21.76
20.62
27.31
22.82
23.18
30
1.01
EPS$
2.81
2.91
3.23
3.69
3.86
4.26
4.25
4.34
4.23
4.61
1.09
3.59%
5.10%
—
19.63
EPS growth%
0.82
2.95
2.49
0.61
3.48
6.16
6.25
3.74
6.42
5.45
3.65
6.16
3.61
94
2.61
Bookvalue per sh$
5.41
6.12
6.63
6.34
6.62
7.16
6.87
7.83
8.27
8.20
1.23
4.37%
4.74%
—
2.97
TBV/sh$
5.50
6.23
7.14
7.50
7.40
8.22
8.95
9.21
9.65
11.19
3.27
8.63%
7.38%
—
3.09
Dividend per sh$
2.47
2.70
2.87
2.81
2.99
3.17
3.25
3.22
2.95
2.90
1.15
(0.62%)
0.89%
—
21.81
Div yield (avg)%
27.53
26.96
28.77
31.64
34.09
31.09
32.54
30.98
30.98
30.25
17.07
30.98
30.98
69
4.52
Payout ratio%
18.97
21.51
20.69
18.19
20.93
19.32
18.78
19.68
19.42
16.93
5.79
19.32
19.37
70
9.401
Shares (diluted)M
13.62
13.53
12.42
13.07
12.60
12.40
12.68
14.46
13.29
12.85
9.160
0.40%
0.78%
74
27.98
Buyback yield%
11.42
10.03
10.10
8.15
5.34
8.04
9.31
9.25
9.59
11.72
23.09
9.31
9.45
8
178.34
Eq/Assets%
74.40
73.08
79.59
77.15
81.58
93.07
101.14
104.42
99.48
103.77
22.87
101.14
87.33
48
23.24
Assets$M
133.5
137.8
151.4
160.9
173.4
180.9
187.8
212.6
229.7
251.9
85.95
7.75%
7.68%
94
49.61
LT debt$M
43.58
42.52
39.27
41.27
45.35
46.64
48.53
46.11
44.58
46.48
14.73
0.49%
(0.05%)
84
Total assets
$251.9M
7.68%
1.37×
Revenue
$73.44M
4.37%
1.00×
Non-interest expense
$44.74M
4.38%
1.00×
Net interest income
76.54%
Non-interest income
23.46%