77.95
Revenue$M
82.43
87.39
92.70
95.14
99.19
101.5
106.6
112.4
116.3
120.6
81.86
3.99%
4.16%
65
12.11
Revenue growth%
7.04
5.46
7.38
10.37
11.56
9.75
10.55
11.62
12.68
11.18
21.81
11.18
10.46
53
3.61
NIM%
18.31
16.99
19.13
21.60
18.96
20.84
20.76
22.60
20.06
20.41
11.19
20.76
20.24
61
4.50
Effic. R.%
19.05
20.26
18.86
20.49
20.91
18.99
19.25
21.47
23.91
20.96
19.74
20.96
20.37
14
4.82
Net margin%
33.72
35.33
34.65
34.97
34.66
36.81
36.97
37.74
38.17
36.53
3.93
36.97
35.93
77
28.59
P/E ratio (avg)x
23.52
26.26
28.49
28.35
30.17
31.82
34.15
32.34
33.37
35.96
32.08
33.37
30.99
56
19.79
P/TBVx
42.93
43.76
46.37
44.54
45.48
48.97
51.04
54.58
64.16
61.91
32.87
54.58
47.67
88
33.42
P/Bx
31.67
34.07
35.39
36.19
32.42
32.23
34.90
34.93
36.96
39.76
33.22
34.93
34.92
28
67.62
NII$M
49.66
53.82
55.94
57.42
60.96
61.71
66.06
68.00
69.88
73.17
57.05
3.72%
4.09%
—
20.81
NII grth%
12.22
13.12
16.00
13.91
11.89
10.39
12.79
10.78
13.56
15.49
6.45
12.79
12.96
29
7.45
ROTE%
29.59
29.87
32.78
34.46
33.05
34.97
37.07
39.40
39.75
39.26
14.51
39.26
34.72
53
28.91
Return on equity%
24.01
25.70
26.16
24.84
24.39
22.41
20.51
20.68
21.96
21.57
4.27
21.57
23.21
21
16.68
Return on assets%
19.90
17.23
16.32
13.45
12.71
11.22
9.51
8.75
11.43
9.97
22.20
9.97
12.07
63
39.67
EPS$
16.37
16.73
19.29
19.33
18.74
19.11
19.02
20.79
20.04
20.16
43.89
1.47%
1.98%
—
28.94
EPS growth%
21.79
21.20
22.83
21.87
20.31
19.81
18.63
20.84
18.07
21.03
26.50
19.81
20.93
22
39.54
Bookvalue per sh$
69.77
71.53
73.59
72.86
72.99
82.97
80.83
77.22
83.17
94.69
33.68
5.34%
3.68%
—
32.75
TBV/sh$
43.70
45.29
49.32
49.79
47.45
48.31
53.23
58.54
67.75
63.66
11.27
6.05%
4.53%
—
15.63
Dividend per sh$
28.29
30.94
34.26
36.95
34.64
35.82
31.77
31.37
28.57
26.19
10.74
(5.44%)
(1.02%)
—
5.25
Div yield (avg)%
7.04
4.08
3.54
2.97
5.77
3.59
5.15
2.21
4.86
3.64
26.92
3.64
3.86
47
6.21
Payout ratio%
32.10
33.57
35.18
32.32
29.43
27.03
28.17
27.11
27.07
27.55
14.02
27.11
28.80
92
2.148
Shares (diluted)M
1.893
1.963
1.915
2.062
2.187
2.465
2.677
2.909
2.752
2.512
2.214
2.81%
2.37%
43
10.84
Buyback yield%
16.93
19.57
17.98
20.92
18.10
20.92
18.51
17.69
19.34
16.67
19.72
18.51
18.31
75
26.17
Eq/Assets%
32.36
29.53
30.42
31.32
33.59
36.96
34.88
32.51
33.21
32.02
71.15
33.21
32.44
59
43.81
Assets$M
238.2
258.7
289.7
310.8
329.8
357.6
390.6
410.8
445.1
481.9
64.38
7.88%
8.25%
87
6.691
LT debt$M
54.51
60.85
64.17
62.61
57.14
61.54
69.42
74.98
82.93
76.74
14.47
6.07%
4.41%
74
Total assets
$481.9M
8.25%
1.47×
Revenue
$120.6M
4.16%
1.00×
Non-interest expense
$55.31M
4.08%
0.99×
Net interest income
60.65%
Non-interest income
39.35%
Spread over hurdle
13.28%