20.85
Revenue$M
77.90
77.44
76.86
79.89
80.97
80.96
82.35
82.41
84.31
87.21
22.27
1.50%
1.07%
10
28.23
Revenue growth%
14.95
15.62
15.55
12.94
15.93
16.19
14.87
12.16
11.42
8.82
6.68
12.16
14.91
17
20.87
NIM%
9.09
7.52
8.65
9.43
11.12
10.82
13.34
14.21
14.72
17.07
9.36
14.21
10.97
8
18.97
Effic. R.%
10.79
11.01
8.58
6.75
8.75
10.29
10.81
10.52
10.88
11.10
28.27
10.81
10.66
93
19.41
Net margin%
17.17
19.22
21.50
18.74
19.69
22.40
24.76
23.08
22.88
20.90
19.90
22.88
21.20
29
29.81
P/E ratio (avg)x
12.56
12.79
13.56
15.21
14.64
15.17
16.56
19.68
20.41
23.49
8.281
19.68
15.19
28
9.219
P/TBVx
12.32
12.99
14.74
15.47
17.34
16.72
18.09
19.99
18.93
18.33
28.88
18.33
17.03
33
20.38
P/Bx
31.86
28.19
26.37
27.19
24.98
23.02
20.46
18.39
19.01
19.11
31.13
19.11
24.00
16
8.412
NII$M
46.03
46.00
45.83
46.41
47.55
47.72
49.21
48.02
48.99
51.13
73.67
1.46%
0.92%
—
21.93
NII grth%
19.01
18.14
18.48
20.16
22.60
20.13
20.74
18.44
16.72
19.05
26.79
19.05
19.03
40
10.31
ROTE%
1.98
1.00
3.89
1.22
0.61
1.21
2.19
4.23
4.14
2.97
16.76
2.97
2.09
32
28.38
Return on equity%
20.18
18.41
17.23
18.78
21.45
23.02
20.95
18.52
20.03
18.39
8.89
20.03
19.40
54
8.90
Return on assets%
11.67
12.69
14.38
13.70
14.56
14.34
13.97
12.58
11.08
11.45
7.22
12.58
13.20
31
0.89
EPS$
0.83
0.91
0.80
0.82
0.71
0.70
0.72
0.74
0.73
0.70
0.91
(0.34%)
(1.88%)
—
25.32
EPS growth%
14.00
11.09
10.80
13.53
12.75
14.43
13.62
10.84
13.82
11.47
5.34
13.62
13.14
32
1.43
Bookvalue per sh$
1.24
1.28
1.27
1.43
1.35
1.33
1.39
1.52
1.54
1.59
2.09
3.28%
3.77%
—
1.11
TBV/sh$
1.66
1.45
1.49
1.52
1.38
1.33
1.31
1.26
1.25
1.10
1.67
(4.49%)
(4.58%)
—
1.93
Dividend per sh$
2.41
2.70
2.71
2.57
2.76
2.60
2.83
2.92
3.09
3.11
2.04
2.40%
2.84%
—
2.08
Div yield (avg)%
14.17
16.44
18.30
20.26
17.56
20.37
18.45
18.90
20.61
22.28
27.46
20.37
18.67
69
19.36
Payout ratio%
13.42
10.48
11.68
14.49
14.59
13.82
11.34
13.78
15.82
15.72
24.52
13.82
13.80
69
13.95
Shares (diluted)M
12.67
14.58
16.03
17.58
19.16
19.54
21.78
22.60
24.07
22.69
14.33
3.44%
5.29%
16
16.73
Buyback yield%
21.91
23.49
20.92
20.56
23.28
25.33
26.48
29.42
29.90
32.84
8.41
29.42
24.41
38
62.53
Eq/Assets%
154.21
162.34
174.46
192.41
196.72
192.22
188.13
195.15
193.11
205.57
113.00
193.11
192.31
53
87.83
Assets$M
45.80
47.95
52.41
54.99
62.15
66.73
75.17
81.32
85.37
95.43
77.00
8.96%
8.96%
73
91.26
LT debt$M
54.39
60.82
70.88
83.55
86.13
97.86
107.5
106.1
113.8
117.1
84.39
6.34%
8.77%
55
Total assets
$95.43M
8.96%
2.12×
Revenue
$87.21M
1.07%
1.00×
Non-interest expense
$38.90M
1.05%
1.00×
Net interest income
58.63%
Non-interest income
41.37%
Return on capital
124.43%