343.9
Revenue$M
271.0
274.9
279.0
290.7
305.0
306.5
320.0
330.1
344.8
346.4
374.1
2.58%
2.62%
59
18.62
Revenue growth%
24.45
26.78
25.03
27.51
27.62
26.43
25.85
25.52
23.45
20.55
27.21
25.52
25.69
48
7.56
NIM%
21.94
21.30
22.01
23.48
22.97
23.13
23.66
24.83
24.68
25.97
14.73
24.68
23.31
80
4.10
Effic. R.%
0.40
0.40
0.40
0.67
3.57
1.43
4.12
6.14
4.79
4.82
24.58
4.79
2.50
9
14.36
Net margin%
23.94
23.25
22.39
24.05
22.41
20.50
19.87
20.03
20.41
17.45
19.25
20.03
21.45
79
9.052
P/E ratio (avg)x
22.70
21.59
22.29
23.22
25.15
26.15
27.99
25.08
26.14
24.63
24.27
26.14
24.85
69
34.94
P/TBVx
8.687
8.435
8.630
7.651
6.684
6.303
6.066
5.962
6.390
6.210
6.593
6.210
6.537
80
31.98
P/Bx
28.28
29.24
28.91
29.63
32.76
31.89
35.11
34.83
35.19
36.08
24.41
35.11
32.33
62
235.9
NII$M
147.8
152.3
155.0
161.8
171.7
170.1
178.0
180.8
188.5
192.5
334.5
2.32%
2.60%
—
10.37
NII grth%
22.54
20.67
19.23
16.53
16.85
18.35
17.01
18.27
19.43
21.03
28.65
18.35
18.79
95
24.61
ROTE%
3.33
5.38
6.67
8.67
5.79
6.45
6.91
7.89
8.96
11.80
9.25
7.89
6.79
47
10.92
Return on equity%
1.41
4.38
2.48
0.40
2.73
5.00
7.60
6.74
5.46
4.37
23.30
5.46
4.37
62
26.22
Return on assets%
9.05
8.30
9.86
8.96
8.32
6.08
3.24
5.93
5.50
6.82
28.11
5.93
7.56
33
1.94
EPS$
1.47
1.31
1.18
1.28
1.20
1.11
1.12
1.18
1.30
1.44
2.11
3.75%
0.76%
—
19.54
EPS growth%
15.27
14.31
16.73
17.68
19.35
20.14
22.31
22.74
23.82
26.78
20.73
22.74
19.75
6
1.12
Bookvalue per sh$
1.31
1.40
1.47
1.59
1.42
1.46
1.48
1.34
1.17
1.05
1.25
(5.74%)
(2.46%)
—
1.89
TBV/sh$
0.75
0.84
0.94
1.11
1.18
1.15
1.21
1.43
1.41
1.61
1.73
6.35%
8.99%
—
1.00
Dividend per sh$
0.69
0.71
0.76
0.75
0.80
0.78
0.74
0.64
0.66
0.62
1.51
(5.17%)
(2.31%)
—
15.09
Div yield (avg)%
36.42
36.97
36.41
37.87
38.93
36.07
36.94
37.28
38.77
39.10
7.80
37.28
37.12
42
16.23
Payout ratio%
22.73
22.54
25.29
23.69
22.24
24.84
26.35
25.59
26.93
29.55
2.76
26.35
25.07
7
59.72
Shares (diluted)M
61.60
63.88
64.49
58.66
52.89
49.50
44.10
45.50
44.90
45.55
60.08
(2.94%)
(4.09%)
49
18.96
Buyback yield%
26.03
24.15
25.25
23.68
21.56
22.19
20.15
18.17
20.26
18.76
12.91
20.15
21.87
82
55.86
Eq/Assets%
207.43
226.28
228.80
241.19
236.41
246.87
266.21
308.64
337.15
330.76
57.22
308.64
244.03
84
300.3
Assets$M
469.6
511.1
567.6
604.0
622.5
682.6
760.8
859.4
945.7
985.5
305.3
9.62%
8.39%
45
272.2
LT debt$M
47.17
54.91
63.71
72.65
76.71
77.79
81.03
86.23
92.49
104.8
49.88
6.43%
10.41%
56
Total assets
$985.5M
8.39%
1.73×
Revenue
$346.4M
2.62%
1.00×
Non-interest expense
$191.2M
2.97%
1.03×
Net interest income
55.58%
Non-interest income
44.42%