73.18
Revenue$M
49.91
53.91
57.11
62.45
65.56
71.44
76.06
83.15
88.19
94.71
77.92
7.63%
7.41%
23
29.87
Revenue growth%
29.64
30.97
32.76
32.97
34.31
33.93
32.57
32.11
31.14
28.44
3.58
32.11
32.34
14
21.07
NIM%
9.84
10.74
11.73
14.16
14.19
14.41
13.96
13.77
14.86
13.09
7.78
13.96
13.86
93
22.67
Effic. R.%
14.71
12.64
11.24
9.94
8.01
7.65
9.43
8.55
11.04
12.24
7.60
9.43
10.49
94
22.86
Net margin%
23.30
24.53
22.75
25.58
25.75
24.43
27.05
27.34
25.50
25.96
26.29
25.96
25.54
86
36.93
P/E ratio (avg)x
19.17
18.45
18.42
17.94
19.06
21.49
22.98
23.07
22.26
23.06
23.89
22.98
20.33
82
22.98
P/TBVx
27.79
31.78
33.83
41.06
41.96
49.41
53.83
53.29
56.80
57.51
34.66
53.83
45.68
18
19.20
P/Bx
26.77
28.43
28.37
29.22
30.17
31.27
32.18
33.94
30.64
32.91
27.77
32.18
30.41
88
35.20
NII$M
34.28
37.29
39.45
43.52
44.80
49.21
53.04
57.49
60.74
66.21
57.66
8.13%
7.40%
—
27.82
NII grth%
6.02
3.55
5.88
6.97
9.83
12.26
9.65
8.24
8.05
6.89
20.64
8.24
7.51
66
27.42
ROTE%
4.01
4.32
5.03
3.94
4.01
4.11
1.54
2.57
1.42
0.40
13.94
1.54
3.97
18
10.62
Return on equity%
12.13
10.29
8.81
11.80
9.99
12.54
14.25
14.74
16.89
16.52
24.11
14.74
12.34
22
16.60
Return on assets%
22.46
21.71
23.90
26.03
25.56
24.68
22.85
21.75
23.70
22.26
26.48
22.85
23.27
14
2.17
EPS$
2.75
2.81
3.14
3.16
2.87
2.62
2.49
2.72
2.90
2.98
2.39
0.73%
0.71%
—
29.69
EPS growth%
22.69
24.52
25.94
23.36
23.11
22.19
19.29
18.84
21.05
19.66
5.91
19.66
22.44
15
2.98
Bookvalue per sh$
3.28
3.55
3.59
3.88
3.70
4.03
4.24
4.11
3.71
3.79
0.97
0.47%
1.48%
—
3.01
TBV/sh$
2.14
2.23
2.57
2.66
3.07
3.38
3.80
3.75
3.69
3.97
2.89
5.32%
6.75%
—
2.25
Dividend per sh$
1.83
1.74
1.70
1.71
1.87
1.81
1.70
1.78
1.96
1.93
2.59
0.58%
0.92%
—
20.22
Div yield (avg)%
17.19
17.86
18.68
17.64
17.46
15.02
18.01
18.20
18.05
15.90
13.75
18.01
17.75
79
26.80
Payout ratio%
11.86
14.16
15.34
15.30
14.57
12.38
12.34
12.13
10.00
11.42
27.56
12.13
12.36
12
6.956
Shares (diluted)M
7.378
7.202
7.942
8.084
8.429
8.507
8.449
8.162
8.222
7.645
7.102
(1.93%)
1.36%
75
17.60
Buyback yield%
21.62
20.28
20.79
19.42
21.98
19.89
20.67
22.67
25.33
24.72
26.87
22.67
21.21
89
103.06
Eq/Assets%
49.45
57.73
68.08
69.75
71.27
81.10
97.45
102.87
100.35
104.57
88.03
100.35
76.18
61
62.79
Assets$M
177.5
195.3
223.2
230.9
255.2
268.6
299.5
321.9
352.4
393.1
66.37
9.03%
9.38%
80
26.63
LT debt$M
43.23
48.37
46.54
44.94
44.31
41.74
48.37
46.55
44.20
48.80
60.22
1.95%
2.02%
60
Total assets
$393.1M
9.38%
1.20×
Revenue
$94.71M
7.41%
1.00×
Non-interest expense
$50.09M
7.46%
1.00×
Net interest income
69.91%
Non-interest income
30.09%