48.45
Revenue$M
108.3
109.9
114.7
119.7
122.3
126.1
131.0
133.2
137.6
139.2
49.78
2.62%
2.98%
68
3.13
Revenue growth%
0.40
1.20
0.96
0.71
1.04
0.40
3.33
4.21
5.24
4.66
15.39
4.21
1.12
20
11.06
NIM%
15.83
13.19
11.52
10.74
8.56
6.69
8.70
8.12
8.16
10.02
18.19
8.16
9.36
10
8.66
Effic. R.%
6.75
8.44
8.47
10.59
7.60
5.07
4.83
2.99
2.71
3.43
9.57
3.43
5.91
14
23.92
Net margin%
15.11
15.95
18.37
18.24
18.07
16.14
19.01
19.53
22.19
19.34
12.53
19.34
18.30
66
25.06
P/E ratio (avg)x
8.968
9.715
8.928
7.928
7.640
7.425
8.006
8.855
9.502
9.797
16.34
8.855
8.891
23
18.37
P/TBVx
23.04
21.66
18.86
16.06
16.59
15.88
16.88
17.26
18.13
17.38
36.28
17.26
17.32
58
16.01
P/Bx
50.48
49.68
47.23
46.62
44.12
44.56
47.72
48.37
55.93
52.58
20.93
48.37
48.05
7
71.80
NII$M
63.15
63.78
65.98
69.03
72.36
72.11
75.43
77.58
79.80
80.18
67.25
2.08%
2.93%
—
19.86
NII grth%
18.15
18.65
17.18
18.94
21.63
20.77
20.42
21.78
22.32
23.71
17.67
21.78
20.60
22
22.48
ROTE%
7.57
10.29
9.78
7.93
6.91
7.25
9.44
7.16
9.85
12.02
22.20
9.44
8.68
50
8.38
Return on equity%
26.61
27.34
26.20
24.76
26.69
28.50
29.30
27.38
27.41
29.59
18.96
28.50
27.36
11
29.24
Return on assets%
7.05
8.23
7.94
9.93
8.03
6.28
4.12
1.22
2.22
5.21
14.56
4.12
6.67
86
3.61
EPS$
9.09
9.00
9.85
11.57
13.66
15.73
17.48
18.11
21.35
24.04
3.78
11.97%
11.55%
—
2.92
EPS growth%
7.56
10.34
10.11
9.23
9.91
12.56
13.48
15.37
13.80
15.44
17.51
13.80
11.45
17
3.45
Bookvalue per sh$
6.66
7.43
6.95
6.45
7.09
6.71
7.28
7.84
7.75
7.76
3.57
1.83%
2.91%
—
2.43
TBV/sh$
3.73
3.77
4.29
4.23
4.30
4.35
4.39
4.99
5.09
5.65
2.49
5.62%
4.70%
—
5.14
Dividend per sh$
5.01
4.78
4.83
4.85
5.56
6.00
6.00
5.74
6.54
6.21
6.82
2.22%
3.73%
—
11.92
Div yield (avg)%
14.71
15.50
12.90
10.76
12.10
11.73
12.64
10.68
13.03
10.59
21.86
11.73
12.37
35
16.40
Payout ratio%
26.23
24.07
24.85
23.96
24.06
23.21
25.40
26.91
26.30
24.79
12.37
25.40
24.82
26
5.710
Shares (diluted)M
4.162
4.145
4.462
4.641
4.018
4.288
4.073
3.657
3.415
3.673
5.771
(1.78%)
(1.76%)
58
9.52
Buyback yield%
3.50
6.33
4.77
5.11
2.25
4.75
5.67
3.72
1.83
0.73
29.29
3.72
4.23
61
174.98
Eq/Assets%
67.20
74.96
76.47
83.06
83.41
100.18
116.53
124.24
128.10
146.48
163.65
124.24
91.79
56
58.65
Assets$M
113.7
128.7
135.1
147.5
161.7
170.8
192.2
198.4
213.7
228.2
87.99
7.13%
8.33%
38
7.457
LT debt$M
94.98
87.66
91.44
96.97
108.9
111.2
121.6
125.7
139.1
140.5
11.83
5.22%
5.09%
48
Total assets
$228.2M
8.33%
1.66×
Revenue
$139.2M
2.98%
1.00×
Non-interest expense
$82.40M
2.73%
0.98×
Net interest income
57.60%
Non-interest income
42.40%