70.61
Revenue$M
92.25
101.7
110.9
120.1
130.8
143.6
155.7
165.4
176.4
192.1
77.87
7.98%
8.44%
53
10.13
Revenue growth%
8.14
8.29
6.43
7.62
7.65
9.78
12.60
10.48
10.21
12.81
12.39
10.48
9.04
87
3.24
NIM%
7.53
7.71
10.03
10.95
12.07
12.74
13.99
16.27
13.34
16.10
16.77
13.99
12.40
72
21.55
Effic. R.%
19.77
21.92
20.77
18.62
18.98
20.97
23.68
22.21
24.71
22.28
23.76
22.28
21.45
60
9.45
Net margin%
5.17
6.28
5.75
5.39
3.82
3.99
5.94
6.47
7.49
8.48
14.94
6.47
5.85
25
15.95
P/E ratio (avg)x
5.304
4.807
4.965
4.589
4.480
4.310
4.430
3.944
3.628
3.400
32.47
3.944
4.455
37
25.76
P/TBVx
9.108
9.732
9.169
10.38
9.971
10.78
11.38
10.95
11.01
10.00
14.56
10.95
10.19
28
26.26
P/Bx
20.49
24.09
25.90
30.39
32.93
35.91
41.14
43.06
49.46
50.72
37.23
43.06
34.42
68
166.8
NII$M
60.64
67.98
73.88
79.70
87.68
95.75
103.1
109.2
118.5
126.3
52.85
7.58%
8.39%
—
5.25
NII grth%
23.88
21.94
22.16
25.03
23.57
24.22
26.98
24.80
24.78
24.73
27.43
24.78
24.47
6
29.05
ROTE%
23.46
22.75
24.96
24.58
24.47
24.14
25.82
23.27
22.74
22.30
7.67
23.27
23.80
30
5.44
Return on equity%
23.54
24.73
25.25
24.50
24.14
24.76
24.38
25.42
27.38
26.72
21.96
25.42
24.74
86
16.51
Return on assets%
2.03
3.11
4.32
4.52
6.12
7.19
8.37
7.83
5.95
5.80
18.06
7.19
5.87
87
1.01
EPS$
1.32
1.44
1.57
1.48
1.40
1.51
1.61
1.83
2.03
2.20
1.04
9.35%
5.97%
—
11.43
EPS growth%
23.15
20.24
18.96
16.17
18.71
17.99
18.74
16.96
15.99
17.08
25.56
17.08
18.35
47
0.89
Bookvalue per sh$
2.59
2.92
3.05
3.40
3.12
3.21
2.93
2.82
2.77
2.85
1.53
(1.78%)
0.50%
—
2.63
TBV/sh$
4.25
4.65
4.36
4.59
5.36
6.14
6.70
7.47
8.75
9.92
0.65
13.09%
9.66%
—
1.12
Dividend per sh$
2.35
2.38
2.24
2.50
2.49
2.51
2.75
2.59
2.87
2.59
0.94
0.74%
0.10%
—
6.24
Div yield (avg)%
17.92
18.31
18.00
17.00
14.72
16.79
17.78
16.01
14.17
11.52
24.56
16.01
16.89
86
9.89
Payout ratio%
25.56
26.81
23.88
24.03
21.78
21.98
23.08
22.15
22.35
23.86
4.21
22.35
23.47
42
24.35
Shares (diluted)M
49.81
60.10
61.10
61.69
66.78
76.03
85.04
84.32
98.31
103.8
24.43
9.23%
9.34%
94
6.13
Buyback yield%
17.94
15.95
17.83
19.30
19.04
19.41
21.57
22.46
21.75
20.24
25.44
21.57
19.36
8
176.10
Eq/Assets%
93.46
84.60
82.18
79.24
69.80
73.60
75.72
79.71
78.98
85.02
100.68
78.98
79.48
71
129.0
Assets$M
258.4
273.1
293.2
331.0
365.0
380.9
398.0
417.2
475.1
499.8
103.8
6.49%
7.47%
85
22.69
LT debt$M
35.50
39.70
40.68
46.75
54.35
52.71
61.08
65.50
68.99
73.01
101.3
6.08%
8.72%
41
Total assets
$499.8M
7.47%
0.91×
Revenue
$192.1M
8.44%
1.00×
Non-interest expense
$90.64M
8.12%
0.97×
Net interest income
65.76%
Non-interest income
34.24%