124.5
Revenue$M
194.5
201.0
207.1
211.6
219.7
227.1
227.4
233.2
241.0
242.9
128.0
2.02%
2.53%
89
25.55
Revenue growth%
20.80
23.66
23.92
23.24
21.81
19.44
20.71
20.86
20.57
18.79
9.59
20.57
20.83
87
14.55
NIM%
14.07
11.94
14.04
11.64
9.87
11.96
14.24
13.61
11.39
9.77
12.36
11.96
11.95
35
3.66
Effic. R.%
23.40
22.74
24.30
25.24
22.68
21.28
19.57
18.05
19.44
20.28
10.82
19.57
21.98
15
3.72
Net margin%
22.31
19.36
17.08
19.12
21.52
22.03
21.77
20.23
21.62
23.43
26.50
21.77
21.57
21
14.94
P/E ratio (avg)x
10.84
11.40
11.64
11.78
12.19
12.78
12.31
11.58
12.15
13.09
34.37
12.31
11.97
22
28.18
P/TBVx
37.26
40.73
42.15
43.63
45.49
51.95
55.49
55.66
60.51
59.83
23.85
55.66
48.72
79
26.97
P/Bx
30.73
30.12
30.99
30.10
27.65
26.80
23.61
25.08
21.72
20.32
16.86
23.61
27.23
66
162.0
NII$M
109.7
112.7
114.8
117.1
120.3
124.8
127.8
132.0
135.3
133.2
124.3
2.06%
2.26%
—
3.36
NII grth%
23.96
23.13
20.91
19.34
21.29
23.07
21.85
22.78
23.76
22.78
3.18
22.78
22.78
7
11.02
ROTE%
17.82
20.52
20.31
17.66
15.50
16.37
18.51
19.14
21.72
18.82
26.72
18.82
18.67
88
27.19
Return on equity%
25.47
28.00
25.82
26.57
24.62
23.40
24.78
26.64
24.65
25.17
21.51
24.78
25.32
19
5.30
Return on assets%
5.80
6.55
6.23
6.33
3.79
3.63
0.79
1.34
4.21
3.15
17.31
3.15
4.00
86
2.05
EPS$
3.06
2.74
2.48
2.65
2.65
2.33
2.23
2.10
2.11
2.12
2.12
(4.38%)
(3.92%)
—
14.83
EPS growth%
23.15
21.99
23.78
24.96
24.56
27.46
25.80
26.73
27.03
28.96
11.39
27.03
25.38
11
1.65
Bookvalue per sh$
0.81
0.86
0.86
0.91
0.98
0.96
0.99
0.96
0.95
0.90
0.78
(1.55%)
0.53%
—
0.92
TBV/sh$
2.71
2.43
2.34
2.03
1.96
1.92
1.66
1.68
1.78
1.66
2.94
(3.31%)
(4.90%)
—
1.67
Dividend per sh$
4.57
5.12
4.85
4.53
4.50
4.49
5.25
5.16
4.85
4.57
2.35
0.32%
1.15%
—
4.85
Div yield (avg)%
25.79
26.04
24.87
22.30
21.91
24.07
26.59
28.77
31.45
33.99
16.05
28.77
25.91
40
29.06
Payout ratio%
25.87
26.38
28.62
28.84
27.77
27.63
29.08
26.66
28.03
27.12
10.43
27.63
27.70
73
49.98
Shares (diluted)M
75.08
73.06
82.65
87.59
102.4
100.2
98.93
119.8
121.0
127.6
51.31
4.50%
7.48%
41
18.20
Buyback yield%
6.56
7.93
8.14
8.64
7.06
8.04
10.23
7.96
9.65
8.54
10.48
8.54
8.09
26
50.32
Eq/Assets%
231.15
264.24
272.25
300.67
341.00
361.12
377.10
355.74
400.71
456.86
67.40
377.10
348.37
81
0.101
Assets$B
0.575
0.627
0.680
0.713
0.782
0.846
0.882
0.985
1.085
1.163
0.095
8.28%
7.84%
21
31.71
LT debt$M
167.7
174.9
156.6
162.0
154.6
136.1
148.5
151.4
136.8
142.5
136.6
(1.61%)
(2.51%)
73
Total assets
$1.163B
7.84%
1.66×
Revenue
$242.9M
2.53%
1.00×
Non-interest expense
$140.1M
2.41%
0.99×
Net interest income
54.86%
Non-interest income
45.14%