195.0
Revenue$M
142.3
144.5
151.7
160.4
169.6
178.0
187.2
198.7
203.2
214.4
202.0
4.81%
4.36%
20
2.37
Revenue growth%
27.90
30.11
30.25
30.92
29.01
31.83
32.39
31.46
33.89
31.08
8.35
31.83
31.00
43
24.64
NIM%
13.15
15.64
13.92
11.96
14.29
12.78
13.87
16.58
17.48
17.00
29.67
16.58
14.11
89
14.07
Effic. R.%
8.79
7.81
6.43
6.30
6.94
4.73
3.04
2.25
2.64
5.02
13.98
3.04
5.66
31
10.34
Net margin%
0.54
0.81
2.10
4.55
3.10
4.66
7.56
9.51
7.31
8.06
8.93
7.56
4.60
38
22.09
P/E ratio (avg)x
8.100
8.405
8.016
7.845
7.244
6.769
6.743
5.933
5.153
5.291
33.61
5.933
7.006
87
20.99
P/TBVx
47.90
51.14
55.08
62.49
63.37
63.18
70.28
71.78
80.19
86.76
34.68
71.78
63.27
22
20.61
P/Bx
12.42
11.27
11.41
12.87
13.36
13.11
14.08
15.38
17.29
16.26
12.76
15.38
13.24
62
215.1
NII$M
109.1
108.3
115.0
121.5
129.9
134.0
141.0
149.5
153.9
161.9
96.95
4.51%
4.31%
—
24.27
NII grth%
15.96
16.66
15.31
13.53
14.32
12.69
13.89
16.02
15.53
16.01
24.37
15.53
15.42
75
14.71
ROTE%
12.13
9.24
8.24
9.65
10.11
11.06
13.35
14.89
13.94
13.17
18.74
13.35
11.60
86
23.34
Return on equity%
8.43
8.39
7.17
8.70
10.52
12.96
14.20
15.96
15.20
12.43
10.84
14.20
11.48
8
27.56
Return on assets%
20.63
19.54
19.29
18.42
17.15
17.53
16.38
15.79
18.46
15.83
17.57
16.38
17.97
46
2.25
EPS$
1.77
1.69
1.84
1.98
1.89
1.96
2.31
2.49
2.56
2.71
2.37
7.40%
5.45%
—
12.34
EPS growth%
11.89
11.93
13.50
14.01
12.26
9.87
10.01
7.16
7.03
4.86
13.74
7.16
10.95
92
1.83
Bookvalue per sh$
3.15
3.66
4.18
4.43
5.36
6.35
6.66
7.70
8.55
10.26
0.76
13.90%
12.70%
—
2.74
TBV/sh$
2.29
2.54
2.65
2.63
2.82
3.12
3.42
3.58
3.86
3.70
2.16
5.62%
5.87%
—
1.23
Dividend per sh$
1.12
1.02
1.04
0.96
0.94
0.90
0.90
0.92
0.78
0.67
0.72
(6.52%)
(5.97%)
—
27.30
Div yield (avg)%
4.03
2.18
0.40
1.34
1.05
2.20
2.75
4.21
3.82
2.46
6.16
2.75
2.33
54
23.84
Payout ratio%
18.31
17.12
17.12
17.50
16.16
18.87
20.63
23.37
23.42
20.88
8.47
20.88
18.59
29
50.66
Shares (diluted)M
94.72
112.0
124.7
130.5
133.2
135.5
139.6
152.6
178.7
207.4
50.37
9.26%
9.62%
8
26.05
Buyback yield%
20.77
20.71
20.16
19.70
22.00
22.17
20.97
20.89
21.16
18.66
23.67
20.97
20.83
56
14.87
Eq/Assets%
122.98
114.01
126.63
120.25
129.81
140.50
139.19
128.51
127.50
129.27
76.28
129.27
128.00
76
0.259
Assets$B
0.593
0.634
0.659
0.734
0.799
0.882
0.921
1.043
1.173
1.279
0.076
9.87%
8.67%
6
172.4
LT debt$M
136.6
143.3
140.6
145.4
150.0
155.5
171.2
187.4
174.2
198.8
222.4
5.79%
4.55%
25
Total assets
$1.279B
8.67%
1.50×
Revenue
$214.4M
4.36%
1.00×
Non-interest expense
$98.51M
4.36%
1.00×
Net interest income
75.51%
Non-interest income
24.49%