65.03
Revenue$M
52.76
56.22
61.45
65.57
72.63
80.42
86.27
95.08
103.5
114.2
67.61
9.47%
8.99%
51
7.72
Revenue growth%
11.30
10.59
13.43
15.47
15.31
15.42
13.44
11.39
13.15
16.03
3.17
13.44
13.44
56
27.58
NIM%
36.59
38.60
35.86
33.82
31.73
30.90
28.53
26.61
28.24
30.58
8.14
28.53
31.31
61
22.76
Effic. R.%
11.88
9.69
11.85
9.90
11.40
8.53
6.75
3.77
1.28
3.75
4.78
3.77
9.11
90
4.27
Net margin%
1.12
0.40
0.85
1.56
1.23
0.40
3.35
5.30
5.72
8.28
20.58
5.30
1.40
24
17.92
P/E ratio (avg)x
24.09
22.77
21.01
21.55
21.94
20.65
23.46
23.43
23.82
25.40
28.60
23.46
23.10
21
33.86
P/TBVx
37.77
40.16
39.51
40.75
39.92
38.90
41.96
41.70
45.84
48.73
14.84
41.96
40.45
60
33.14
P/Bx
41.39
43.19
42.82
48.08
51.26
47.95
50.59
49.99
46.39
43.52
28.56
47.95
47.17
84
16.68
NII$M
36.71
39.18
42.29
45.90
50.81
56.18
60.55
65.91
71.37
79.21
77.22
9.28%
9.04%
—
4.01
NII grth%
25.95
26.79
27.29
25.95
27.87
28.51
30.45
30.08
31.64
32.53
13.99
30.45
28.19
43
26.18
ROTE%
27.59
29.31
27.91
26.64
27.85
24.87
23.34
23.47
24.83
27.27
2.89
24.83
26.96
24
10.86
Return on equity%
12.47
14.87
15.31
13.88
16.40
16.87
17.94
18.18
19.05
17.25
13.66
17.94
16.64
76
28.60
Return on assets%
9.20
9.74
10.05
9.25
6.80
6.17
7.07
5.46
6.46
6.73
25.28
6.46
6.93
20
8.67
EPS$
4.98
5.28
5.25
5.07
4.49
4.00
3.60
3.93
4.09
4.48
8.89
(0.02%)
(1.62%)
—
21.88
EPS growth%
26.05
24.05
23.02
24.52
27.07
28.13
28.21
30.58
30.52
33.40
3.88
30.52
27.60
48
3.56
Bookvalue per sh$
9.38
9.91
11.68
13.47
13.68
14.15
13.97
15.63
16.31
19.17
2.26
6.99%
8.00%
—
4.01
TBV/sh$
1.90
1.96
2.14
2.47
2.49
2.83
2.81
3.29
3.71
3.92
8.32
9.52%
7.91%
—
1.82
Dividend per sh$
5.03
5.36
4.88
5.00
4.31
3.71
3.21
3.12
3.16
2.92
4.37
(7.49%)
(4.80%)
—
5.60
Div yield (avg)%
31.59
33.27
30.64
30.77
30.83
32.65
31.71
29.85
31.65
28.93
5.01
31.65
31.21
8
24.52
Payout ratio%
24.72
23.42
22.49
24.37
23.30
23.71
26.55
28.97
30.80
29.95
7.01
28.97
24.55
6
13.28
Shares (diluted)M
12.30
11.33
9.910
9.200
9.866
8.788
9.025
9.868
10.31
9.641
13.34
(0.46%)
(3.41%)
94
23.68
Buyback yield%
6.78
7.03
7.91
8.34
11.32
9.60
11.36
11.90
11.49
13.46
19.37
11.49
10.46
90
103.79
Eq/Assets%
107.47
110.79
105.97
108.28
113.12
114.97
98.02
102.81
110.11
109.52
73.12
109.52
108.90
76
15.97
Assets$M
267.1
288.6
321.7
343.5
355.8
390.4
417.1
449.8
469.5
509.6
87.48
7.45%
7.69%
84
19.67
LT debt$M
9.713
10.22
9.902
11.45
11.81
11.74
11.67
12.82
14.87
15.87
4.539
6.09%
5.05%
70
Total assets
$509.6M
7.69%
0.89×
Revenue
$114.2M
8.99%
1.00×
Non-interest expense
$52.01M
9.25%
1.02×
Net interest income
69.36%
Non-interest income
30.64%