31.17
Revenue$M
121.6
131.6
137.1
148.0
160.3
171.1
182.1
198.1
210.0
219.5
33.88
6.50%
6.94%
27
16.10
Revenue growth%
26.79
24.01
23.54
23.07
21.35
23.62
21.63
22.23
20.35
20.50
19.71
21.63
22.65
38
26.41
NIM%
5.69
7.49
6.14
3.42
4.08
2.79
3.71
5.12
2.42
2.58
24.64
2.79
3.89
6
16.19
Effic. R.%
10.67
12.34
12.80
11.06
13.93
13.36
12.34
11.34
9.49
8.94
15.84
11.34
11.84
94
25.26
Net margin%
18.78
21.74
23.33
21.26
19.04
18.92
19.48
20.20
21.01
20.95
24.60
20.20
20.57
91
16.42
P/E ratio (avg)x
17.95
18.71
20.83
21.82
25.23
24.76
29.55
33.69
32.46
38.24
35.25
32.46
24.99
57
25.02
P/TBVx
40.28
44.09
48.31
49.02
58.24
64.06
69.45
68.22
78.32
93.86
33.36
69.45
61.15
46
37.20
P/Bx
7.189
7.501
7.409
7.683
6.896
6.226
6.509
5.754
6.295
6.793
31.46
6.295
6.844
12
50.51
NII$M
86.89
92.12
98.22
106.0
113.1
123.0
127.5
138.7
148.3
155.2
138.9
6.52%
7.01%
—
9.54
NII grth%
4.05
4.82
7.27
6.98
6.58
7.05
5.74
8.62
6.07
6.05
3.07
6.07
6.32
80
7.01
ROTE%
25.33
23.80
25.92
23.90
22.48
23.64
25.48
23.74
22.54
20.73
13.61
23.64
23.77
81
29.91
Return on equity%
16.48
13.59
13.21
12.96
15.06
17.29
16.91
17.42
17.47
16.05
29.59
17.29
16.26
82
4.29
Return on assets%
1.24
3.12
2.61
5.22
5.72
7.46
6.77
7.03
7.39
7.58
8.12
7.39
6.25
43
0.87
EPS$
3.11
3.28
3.31
3.13
3.34
3.53
3.37
3.27
2.98
3.18
0.91
(0.94%)
(0.14%)
—
15.96
EPS growth%
14.84
15.66
13.15
15.53
17.70
18.19
16.74
18.61
17.21
19.96
5.40
18.19
16.98
43
4.41
Bookvalue per sh$
2.56
2.47
2.36
2.44
2.22
2.06
1.89
2.07
1.89
2.01
2.74
(1.94%)
(2.27%)
—
4.43
TBV/sh$
1.96
1.65
1.50
1.46
1.53
1.54
1.40
1.34
1.23
1.07
1.30
(6.95%)
(6.09%)
—
3.57
Dividend per sh$
3.36
3.34
3.85
3.62
3.72
3.62
3.52
3.48
3.78
3.99
1.00
1.42%
1.24%
—
5.82
Div yield (avg)%
6.77
5.41
4.65
5.33
2.56
4.12
1.16
2.44
0.40
0.40
9.12
1.16
3.34
33
11.49
Payout ratio%
13.79
12.17
9.84
9.26
7.79
4.99
7.17
7.10
9.04
11.52
29.22
7.17
9.15
72
19.36
Shares (diluted)M
20.81
19.92
20.05
22.88
22.27
24.38
23.90
24.25
27.08
27.20
19.65
4.09%
4.08%
68
5.18
Buyback yield%
19.25
20.43
21.63
19.46
16.65
14.24
17.03
15.34
18.02
20.09
11.63
17.03
18.64
13
53.46
Eq/Assets%
133.21
156.15
167.68
172.77
196.32
219.59
250.63
278.51
276.97
322.02
79.73
276.97
207.95
65
41.45
Assets$M
348.7
369.3
391.8
430.9
488.0
512.1
551.7
604.2
653.0
743.9
9.541
8.80%
9.28%
92
139.1
LT debt$M
31.26
34.08
35.82
32.65
30.22
32.05
31.29
33.21
31.90
35.03
76.19
3.00%
1.30%
41
Total assets
$743.9M
9.28%
1.24×
Revenue
$219.5M
6.94%
1.00×
Non-interest expense
$122.6M
7.00%
1.01×
Net interest income
70.67%
Non-interest income
29.33%