58.35
Revenue$M
116.0
119.5
126.3
131.5
137.9
144.0
150.7
153.9
155.8
159.1
64.27
2.91%
3.74%
83
24.61
Revenue growth%
11.57
8.86
9.21
8.95
10.66
13.21
12.63
13.29
11.69
10.83
23.95
12.63
11.20
54
28.20
NIM%
8.04
7.54
8.25
10.25
12.29
11.75
13.58
12.82
13.35
16.21
16.01
13.35
12.02
31
11.13
Effic. R.%
8.88
7.53
5.75
5.94
5.22
3.59
2.46
3.23
1.93
1.89
24.82
2.46
4.40
78
2.65
Net margin%
7.88
7.98
8.36
7.75
5.11
7.88
6.22
6.77
9.34
7.54
15.23
7.54
7.81
87
26.79
P/E ratio (avg)x
18.65
20.04
21.53
21.10
22.59
24.21
28.04
29.66
29.15
27.03
20.94
28.04
23.40
29
29.18
P/TBVx
25.69
23.53
23.46
20.12
20.33
21.34
19.42
19.09
17.87
15.65
29.22
19.09
20.23
34
8.141
P/Bx
33.80
35.36
39.40
36.89
39.22
40.65
46.62
51.13
52.26
50.28
14.77
50.28
40.03
24
63.52
NII$M
74.56
76.45
80.21
85.14
86.82
92.42
97.57
98.13
98.47
102.9
133.0
3.46%
3.79%
—
19.98
NII grth%
18.13
19.95
19.37
22.12
20.73
18.88
18.37
17.84
17.80
15.51
12.62
17.84
18.62
47
20.81
ROTE%
29.90
27.12
26.57
29.51
30.50
31.55
32.74
35.14
34.43
31.98
28.49
32.74
31.02
66
25.86
Return on equity%
21.63
18.96
17.78
14.90
13.16
10.87
11.70
8.81
7.54
5.14
24.77
8.81
12.43
82
8.56
Return on assets%
18.02
19.13
18.08
16.96
17.45
20.21
22.81
20.52
19.40
17.60
5.09
20.21
18.61
56
3.14
EPS$
6.37
7.60
8.83
10.32
10.33
11.62
13.47
13.90
16.42
17.22
3.38
10.76%
10.68%
—
8.14
EPS growth%
24.58
24.64
27.07
29.31
26.52
27.91
26.13
24.10
24.40
21.71
9.59
24.40
25.38
8
3.10
Bookvalue per sh$
2.21
2.37
2.30
2.15
2.37
2.35
2.40
2.75
2.54
2.79
3.59
3.31%
3.18%
—
2.25
TBV/sh$
3.08
3.16
3.60
3.46
3.89
4.47
4.54
4.56
4.46
4.37
0.55
2.36%
4.94%
—
2.15
Dividend per sh$
4.50
4.87
4.75
4.68
5.50
6.10
7.16
7.47
7.30
7.91
1.19
7.55%
6.63%
—
8.51
Div yield (avg)%
20.35
18.13
17.17
17.32
15.11
17.17
19.76
19.08
16.83
19.16
17.79
19.08
17.73
59
12.20
Payout ratio%
1.42
1.59
0.40
0.40
3.15
0.62
1.19
1.83
4.62
2.25
10.35
1.83
1.50
15
24.22
Shares (diluted)M
28.56
32.32
37.64
42.73
46.95
47.26
48.02
56.57
57.37
56.04
24.31
3.60%
6.65%
5
6.87
Buyback yield%
11.13
11.86
8.88
11.18
12.14
14.28
13.51
12.69
11.76
11.90
17.64
12.69
11.88
66
60.55
Eq/Assets%
86.63
83.20
93.01
90.03
89.98
92.78
96.90
96.22
96.48
107.25
154.55
96.48
92.90
14
84.24
Assets$M
26.68
28.43
30.06
33.02
34.48
38.36
42.79
45.44
49.10
53.13
13.20
9.03%
7.77%
27
7.656
LT debt$M
49.10
50.28
52.36
59.19
69.10
70.93
73.05
75.45
72.29
75.01
111.0
1.66%
3.90%
65
Total assets
$53.13M
7.77%
1.46×
Revenue
$159.1M
3.74%
1.00×
Non-interest expense
$93.11M
3.56%
0.98×
Net interest income
64.68%
Non-interest income
35.32%
Return on capital
341.01%
Spread over hurdle
333.81%