141.1
Revenue$M
99.04
105.2
113.3
119.3
129.7
137.2
146.2
158.3
168.0
175.8
152.7
6.26%
6.62%
6
18.08
Revenue growth%
0.40
0.40
0.40
1.86
1.23
0.40
0.40
0.40
0.40
0.40
16.05
0.40
0.40
57
21.47
NIM%
18.43
16.89
15.00
15.62
12.90
12.29
11.39
14.04
15.09
14.01
26.51
14.01
14.52
44
9.37
Effic. R.%
33.87
31.18
30.81
28.50
27.51
25.27
27.51
27.78
29.91
32.62
25.12
27.78
29.20
21
21.98
Net margin%
15.17
17.89
15.38
15.30
13.78
15.92
12.99
15.88
13.27
13.46
12.31
13.46
15.24
34
25.76
P/E ratio (avg)x
5.590
5.329
5.514
5.928
6.077
6.473
5.920
6.449
7.038
6.029
35.64
6.449
5.979
77
19.80
P/TBVx
66.28
76.18
79.32
89.05
87.44
100.2
99.20
98.72
106.0
106.2
16.68
100.2
93.88
87
35.61
P/Bx
33.92
32.89
36.75
38.25
37.16
40.05
39.46
38.55
44.93
45.24
9.124
40.05
38.40
78
110.3
NII$M
65.57
69.25
74.53
78.76
86.57
90.35
96.76
104.2
111.0
117.3
29.06
6.26%
6.72%
—
24.83
NII grth%
27.05
24.47
27.06
24.57
23.61
25.57
23.70
22.16
24.38
24.50
7.33
24.38
24.49
26
21.43
ROTE%
31.76
29.82
31.47
31.78
28.84
31.72
31.78
34.74
33.53
34.47
27.53
33.53
31.77
25
22.19
Return on equity%
5.39
8.37
8.25
6.72
5.36
7.65
4.84
3.35
4.76
5.29
22.70
4.84
5.37
39
3.44
Return on assets%
29.98
31.61
33.49
33.75
34.53
31.99
29.47
29.51
29.70
32.67
6.23
29.70
31.80
7
3.99
EPS$
0.94
0.99
0.97
1.00
0.95
0.99
0.99
0.95
0.97
0.88
4.18
(1.54%)
0.05%
—
26.37
EPS growth%
21.10
19.71
21.37
21.13
19.33
16.67
18.59
16.36
18.55
15.64
7.18
16.67
18.96
19
3.31
Bookvalue per sh$
1.08
1.04
1.04
1.13
1.07
0.99
1.02
0.96
1.11
1.24
3.63
2.98%
1.92%
—
3.20
TBV/sh$
2.69
2.84
2.66
2.53
2.74
2.76
2.55
2.74
2.54
2.56
3.00
(1.30%)
(1.19%)
—
0.63
Dividend per sh$
3.78
4.32
4.55
4.99
5.32
5.90
6.12
6.10
6.15
6.89
1.33
5.30%
6.26%
—
10.64
Div yield (avg)%
2.66
4.56
2.42
4.41
4.07
4.44
3.49
1.61
3.51
5.02
12.37
3.51
3.79
94
21.94
Payout ratio%
12.07
14.21
14.37
15.49
13.50
11.07
11.35
12.47
11.24
9.01
7.51
11.24
12.27
54
21.74
Shares (diluted)M
18.93
16.56
14.98
14.23
15.74
14.74
15.91
14.55
12.91
14.10
21.83
(2.18%)
(2.98%)
24
16.72
Buyback yield%
16.88
17.14
16.00
16.73
14.81
17.03
15.62
16.92
14.40
15.21
23.90
15.62
16.36
49
125.80
Eq/Assets%
123.54
120.89
132.21
150.17
165.27
191.38
208.80
206.22
241.69
260.64
23.37
208.80
178.33
17
58.44
Assets$M
439.6
494.8
508.1
563.2
581.6
650.0
703.6
761.9
851.5
914.8
87.72
9.48%
8.40%
93
142.4
LT debt$M
145.8
152.9
156.9
176.3
182.1
215.2
217.2
231.4
231.3
249.3
49.31
6.49%
6.89%
48
Total assets
$914.8M
8.40%
1.18×
Revenue
$175.8M
6.62%
1.00×
Non-interest expense
$97.32M
6.48%
0.99×
Net interest income
66.72%
Non-interest income
33.28%