48.95
Revenue$M
119.9
125.5
129.2
138.0
144.3
151.1
158.5
169.1
175.2
186.6
50.89
5.28%
5.14%
7
4.21
Revenue growth%
4.14
4.35
7.33
7.62
7.87
8.63
11.58
11.54
12.62
13.70
27.93
11.58
8.25
61
11.25
NIM%
6.46
4.05
1.93
0.40
0.40
2.62
3.72
0.88
1.18
3.90
4.64
2.62
2.28
49
5.52
Effic. R.%
16.73
15.72
15.04
17.88
16.03
17.26
19.52
17.99
15.61
12.62
6.67
17.26
16.38
72
16.14
Net margin%
26.37
25.59
25.63
25.55
27.13
28.57
30.51
31.73
30.45
31.18
3.20
30.51
27.85
86
6.722
P/E ratio (avg)x
13.64
13.54
15.28
16.53
17.65
17.04
16.22
16.48
17.03
18.49
35.79
17.03
16.51
73
19.48
P/TBVx
50.82
58.80
64.25
62.09
62.83
64.54
69.84
77.66
74.58
69.84
15.87
69.84
64.39
71
28.85
P/Bx
20.54
22.46
25.52
26.55
28.54
33.29
33.84
33.61
36.51
35.20
12.23
33.84
30.92
72
134.9
NII$M
69.01
70.20
72.81
77.09
82.74
85.68
89.20
95.80
99.79
104.8
34.29
4.83%
4.89%
—
11.61
NII grth%
19.61
22.33
19.90
21.71
22.24
22.20
21.77
21.16
21.94
22.28
18.02
21.94
21.85
51
3.23
ROTE%
6.70
7.59
5.06
7.29
7.35
6.98
4.45
1.75
0.40
0.40
15.83
1.75
5.88
25
9.86
Return on equity%
27.73
27.77
25.67
26.46
28.33
31.28
32.19
31.64
30.94
30.56
28.33
31.28
29.44
87
21.42
Return on assets%
17.14
14.81
12.96
11.22
13.50
10.83
8.66
10.78
13.72
15.65
14.97
10.83
13.23
70
2.75
EPS$
13.96
14.89
15.48
16.75
17.32
20.67
23.13
22.13
22.30
21.58
3.08
4.50%
5.89%
—
13.37
EPS growth%
6.11
6.75
7.37
5.54
6.72
8.99
6.86
3.94
5.62
7.44
9.05
6.86
6.73
61
2.76
Bookvalue per sh$
1.18
1.22
1.07
1.00
0.91
0.82
0.89
0.94
0.84
0.75
3.61
(3.73%)
(4.46%)
—
6.06
TBV/sh$
5.37
5.29
5.01
5.69
6.33
6.60
7.08
8.22
8.17
9.63
2.70
8.77%
7.00%
—
3.16
Dividend per sh$
6.50
7.02
6.36
6.74
7.30
7.10
7.14
6.71
6.54
6.61
3.39
(1.98%)
0.65%
—
4.24
Div yield (avg)%
14.42
16.71
19.07
16.18
14.46
16.75
16.88
19.42
18.69
15.86
18.73
16.88
16.73
10
28.51
Payout ratio%
7.82
5.26
6.80
4.70
1.75
4.00
6.39
6.13
6.80
7.78
26.72
6.39
6.26
82
28.83
Shares (diluted)M
30.26
32.02
34.52
37.96
39.42
44.55
51.60
55.76
57.63
64.66
28.93
10.40%
8.16%
74
22.28
Buyback yield%
28.99
28.56
29.40
27.83
29.34
29.49
27.16
27.92
30.26
31.19
25.82
29.49
29.16
24
118.02
Eq/Assets%
166.11
177.91
193.36
201.06
225.21
211.81
235.28
250.90
238.04
251.70
132.22
238.04
218.51
43
78.22
Assets$M
155.8
172.9
184.1
205.2
229.4
246.9
282.4
307.3
343.7
379.1
52.24
10.57%
10.44%
43
40.31
LT debt$M
39.14
38.42
32.97
32.82
29.96
29.05
29.05
25.29
21.42
21.46
43.21
(6.45%)
(5.45%)
93
Total assets
$379.1M
10.44%
1.63×
Revenue
$186.6M
5.14%
1.00×
Non-interest expense
$114.0M
5.03%
0.99×
Net interest income
56.14%
Non-interest income
43.86%