29.66
Revenue$M
69.02
72.78
76.10
81.80
87.66
94.83
100.9
108.7
118.2
127.7
31.80
7.81%
7.31%
90
4.60
Revenue growth%
3.39
3.30
2.30
4.53
3.28
5.70
8.00
7.89
5.61
7.08
23.77
7.08
5.07
63
11.75
NIM%
17.61
20.60
19.47
20.75
19.99
18.01
16.66
19.65
19.87
19.55
11.72
19.55
19.60
46
15.23
Effic. R.%
10.76
9.83
10.02
9.10
6.71
6.12
3.18
5.07
3.79
1.03
28.91
3.79
6.42
32
27.64
Net margin%
12.24
14.20
14.24
12.04
11.44
10.52
11.52
12.58
12.29
12.86
10.30
12.29
12.26
53
36.70
P/E ratio (avg)x
57.99
56.36
60.67
64.34
68.00
72.49
80.24
85.29
98.61
104.9
9.007
85.29
70.25
34
26.29
P/TBVx
19.59
21.75
20.94
21.01
21.18
18.62
19.23
17.33
18.72
18.51
28.89
18.62
19.41
67
31.15
P/Bx
6.560
6.802
6.292
6.016
5.724
5.205
5.440
5.849
6.382
6.135
14.37
5.849
6.075
30
23.97
NII$M
45.60
47.15
48.88
53.20
56.29
61.13
66.21
71.39
76.35
82.68
156.1
7.99%
7.31%
—
6.69
NII grth%
19.11
17.05
19.87
19.62
19.33
17.80
16.46
16.47
19.19
17.92
18.61
17.80
18.52
78
22.38
ROTE%
14.39
15.99
13.75
11.66
10.24
13.24
13.67
15.63
18.40
20.70
2.67
15.63
14.07
8
13.58
Return on equity%
2.67
4.19
6.68
5.80
3.02
4.27
3.53
0.92
2.43
0.40
23.08
2.43
3.28
21
14.74
Return on assets%
17.83
15.84
14.47
17.34
14.57
12.53
13.03
10.76
8.87
6.93
18.30
10.76
13.75
8
1.61
EPS$
2.63
2.36
2.59
2.62
2.60
2.74
2.57
2.39
2.45
2.30
1.79
(2.38%)
(2.55%)
—
14.68
EPS growth%
17.66
20.02
22.40
21.61
19.34
21.90
19.13
18.39
18.42
18.37
26.50
18.42
19.23
48
3.26
Bookvalue per sh$
2.11
2.10
2.13
2.27
2.44
2.65
2.58
2.76
2.82
2.49
4.30
0.44%
1.58%
—
1.90
TBV/sh$
6.75
6.71
6.81
7.33
8.79
9.99
11.97
14.31
15.10
15.30
3.29
11.74%
9.18%
—
4.02
Dividend per sh$
2.70
2.44
2.38
2.13
2.19
2.15
2.37
2.41
2.62
2.49
1.55
2.61%
(0.58%)
—
18.71
Div yield (avg)%
17.32
19.49
17.22
15.92
17.68
18.56
16.27
18.28
19.94
18.69
29.60
18.56
17.98
86
25.48
Payout ratio%
11.35
11.93
9.42
7.22
10.15
9.05
7.54
5.09
6.81
6.44
12.06
6.81
8.30
31
11.34
Shares (diluted)M
10.84
10.98
9.625
9.391
8.537
7.552
7.961
8.453
8.949
8.231
11.33
(0.73%)
(2.20%)
28
23.56
Buyback yield%
11.36
11.57
13.95
16.76
16.98
14.49
12.85
11.05
11.10
11.46
8.14
11.46
12.21
34
126.57
Eq/Assets%
115.55
118.12
122.96
111.12
123.90
135.33
149.60
143.88
129.93
135.67
47.96
135.67
126.91
78
52.32
Assets$M
252.2
274.8
305.8
331.0
356.6
400.5
421.5
451.0
489.1
536.3
24.71
8.51%
9.14%
36
36.81
LT debt$M
116.5
103.0
88.92
85.36
84.30
85.67
88.80
88.82
82.92
85.62
60.96
0.31%
(2.78%)
86
Total assets
$536.3M
9.14%
1.18×
Revenue
$127.7M
7.31%
1.00×
Non-interest expense
$73.99M
7.42%
1.01×
Net interest income
64.75%
Non-interest income
35.25%