17.65
Revenue$M
49.25
50.43
52.13
53.42
52.92
54.69
56.51
57.58
57.23
56.66
18.73
1.38%
1.80%
56
11.22
Revenue growth%
2.85
5.18
3.07
0.61
0.69
3.20
4.69
2.40
0.63
2.34
23.48
2.40
2.63
81
7.84
NIM%
9.54
10.65
8.72
7.56
7.30
4.96
2.30
3.54
4.98
5.70
18.64
4.96
6.50
35
6.11
Effic. R.%
7.14
6.57
6.49
8.81
5.89
3.87
2.47
0.40
1.20
1.73
20.67
1.73
4.88
7
4.66
Net margin%
13.60
12.74
10.52
11.05
8.91
6.28
3.73
0.79
1.36
3.67
2.42
3.67
7.60
74
22.23
P/E ratio (avg)x
23.75
26.52
29.65
28.67
31.52
30.07
27.81
26.14
26.75
25.64
8.863
26.75
27.28
9
8.152
P/TBVx
28.28
25.61
26.95
26.34
24.17
24.00
25.83
25.08
26.12
27.69
19.77
25.83
25.98
58
20.46
P/Bx
12.95
14.41
16.15
16.90
16.64
18.32
20.58
22.73
23.78
23.48
17.53
22.73
17.61
91
25.44
NII$M
35.29
35.90
36.67
37.82
37.34
38.26
39.96
40.76
40.20
39.89
3.677
1.33%
1.74%
—
22.90
NII grth%
31.44
29.29
31.38
32.66
33.90
32.21
33.70
33.55
31.08
28.87
14.16
32.21
31.83
36
16.59
ROTE%
12.39
14.11
11.77
13.48
11.24
10.81
12.07
9.79
8.11
7.84
10.39
9.79
11.50
33
19.17
Return on equity%
7.03
9.60
8.09
10.14
9.16
10.77
11.60
12.63
12.68
13.02
29.87
12.63
10.46
8
18.77
Return on assets%
25.36
26.66
24.49
26.01
24.46
22.17
19.33
19.49
17.88
18.90
7.87
19.33
23.31
51
0.64
EPS$
3.59
3.54
3.91
3.98
4.13
4.11
4.13
4.85
5.19
5.31
0.71
5.17%
4.85%
—
3.21
EPS growth%
31.63
32.22
34.50
34.71
35.94
37.95
37.10
37.73
37.73
37.29
17.44
37.73
36.52
33
1.06
Bookvalue per sh$
3.29
3.28
3.53
4.20
4.47
4.81
4.71
5.00
5.18
5.40
1.78
3.83%
4.82%
—
1.21
TBV/sh$
1.67
1.74
1.75
1.78
1.57
1.44
1.24
1.12
1.00
1.06
1.63
(7.65%)
(4.02%)
—
0.99
Dividend per sh$
0.57
0.54
0.54
0.51
0.47
0.51
0.49
0.50
0.54
0.46
2.68
(0.32%)
(2.48%)
—
21.65
Div yield (avg)%
20.32
21.63
19.88
21.92
19.97
21.98
20.65
17.81
17.32
19.66
9.76
19.66
20.15
39
9.02
Payout ratio%
4.30
2.71
2.65
3.14
5.97
5.73
7.84
7.54
5.83
5.06
21.42
5.83
5.39
24
14.51
Shares (diluted)M
16.15
17.28
19.55
21.08
19.91
19.53
20.54
21.87
20.81
20.43
14.21
0.52%
2.19%
17
12.09
Buyback yield%
9.73
8.42
8.99
6.16
7.37
4.71
5.62
6.92
9.47
9.43
2.54
6.92
7.90
82
37.66
Eq/Assets%
251.70
270.48
275.66
312.17
338.29
393.84
417.93
470.41
528.36
520.66
89.47
470.41
366.07
46
10.58
Assets$M
190.5
195.0
206.3
223.2
242.7
250.9
267.6
279.1
315.4
333.0
2.541
6.53%
6.57%
15
42.90
LT debt$M
16.14
14.79
14.93
13.42
11.87
12.30
13.24
12.89
11.64
10.10
11.82
(3.19%)
(5.03%)
54
Total assets
$333.0M
6.57%
1.58×
Revenue
$56.66M
1.80%
1.00×
Non-interest expense
$32.84M
1.83%
1.00×
Net interest income
70.40%
Non-interest income
29.60%