69.20
Revenue$M
72.42
75.05
77.89
81.33
86.07
92.10
95.51
100.5
103.5
110.6
75.68
5.15%
5.06%
55
8.48
Revenue growth%
24.88
22.04
21.77
19.65
21.70
19.72
20.62
18.34
18.22
18.29
15.27
18.34
20.17
42
19.47
NIM%
14.38
15.87
15.74
12.91
9.95
11.51
10.48
9.09
12.08
13.41
28.71
11.51
12.49
12
29.63
Effic. R.%
8.22
7.84
7.47
5.77
4.82
1.87
3.36
3.13
5.51
8.36
12.21
3.36
5.64
76
20.64
Net margin%
8.42
8.34
10.77
7.97
9.34
11.27
10.39
7.78
5.18
3.99
5.46
7.78
8.38
73
12.48
P/E ratio (avg)x
11.90
12.50
11.36
10.99
9.563
8.089
8.658
7.871
7.466
7.160
36.43
7.871
9.110
52
29.96
P/TBVx
15.32
13.18
13.37
13.47
13.21
12.63
11.14
11.64
12.04
10.68
11.91
11.64
12.90
31
29.45
P/Bx
17.48
18.43
19.57
21.00
20.90
21.58
23.12
21.88
23.24
21.26
22.70
21.88
21.13
80
36.28
NII$M
53.01
54.42
57.46
59.77
63.29
67.32
68.64
73.51
74.43
81.65
44.15
5.23%
5.27%
—
11.84
NII grth%
24.01
23.99
26.32
23.35
21.05
21.79
22.39
23.23
23.07
25.66
9.90
23.07
23.29
94
10.90
ROTE%
28.46
27.31
29.53
31.90
31.40
32.77
33.13
35.84
35.09
35.36
24.93
35.09
32.33
74
5.38
Return on equity%
13.48
15.12
16.68
16.75
17.37
17.50
20.08
17.25
18.56
20.99
3.64
18.56
17.31
89
19.16
Return on assets%
3.76
3.25
1.62
1.86
2.77
4.98
3.96
3.94
5.58
6.98
27.03
4.98
3.85
62
4.08
EPS$
6.37
6.81
5.98
5.24
4.48
4.49
3.84
3.60
3.47
3.21
4.30
(6.48%)
(5.95%)
—
16.05
EPS growth%
20.64
20.76
23.60
21.98
20.79
23.44
24.97
24.43
22.15
19.95
20.92
23.44
22.06
38
2.11
Bookvalue per sh$
6.78
7.56
8.37
8.69
8.34
8.59
8.69
7.94
8.16
7.40
1.29
(2.38%)
1.86%
—
1.65
TBV/sh$
5.32
5.39
5.47
5.89
6.81
7.56
7.27
7.54
8.25
8.62
4.77
4.84%
5.19%
—
3.43
Dividend per sh$
2.32
2.09
1.86
1.76
1.95
1.97
2.05
2.01
1.90
1.79
3.89
(1.77%)
(2.65%)
—
29.27
Div yield (avg)%
26.26
25.07
27.76
24.82
24.80
24.07
21.81
23.95
23.93
26.81
20.06
23.95
24.81
82
24.28
Payout ratio%
33.94
35.77
33.05
32.51
32.15
33.06
31.24
33.40
32.79
32.95
23.36
32.95
33.00
63
7.640
Shares (diluted)M
5.922
6.077
6.300
5.952
5.696
6.012
5.131
5.064
4.378
3.797
7.968
(7.79%)
(3.93%)
38
23.16
Buyback yield%
24.46
21.86
23.57
25.79
28.41
26.89
25.68
28.62
26.90
27.21
17.93
26.90
26.34
81
179.04
Eq/Assets%
122.49
110.99
113.60
102.88
102.88
114.19
102.46
109.69
97.55
86.67
48.91
102.46
106.29
23
114.4
Assets$M
276.7
311.7
339.9
366.9
399.9
444.5
468.7
506.1
563.5
615.1
17.24
9.00%
9.26%
60
68.34
LT debt$M
111.2
125.2
123.0
145.0
165.2
188.3
212.2
242.8
241.7
268.9
87.98
10.24%
10.95%
51
Total assets
$615.1M
9.26%
1.48×
Revenue
$110.6M
5.06%
1.00×
Non-interest expense
$58.15M
5.10%
1.00×
Net interest income
73.81%
Non-interest income
26.19%