95.61
Revenue$M
92.55
96.07
100.6
105.4
108.2
112.3
113.5
116.3
119.5
124.8
100.4
2.88%
3.23%
50
20.03
Revenue growth%
25.01
22.04
19.66
20.63
21.73
24.59
27.18
25.03
23.56
24.30
14.84
24.59
23.93
9
15.69
NIM%
18.81
16.75
17.38
16.41
13.74
11.53
12.52
10.24
8.11
10.08
22.74
10.24
13.13
42
23.28
Effic. R.%
25.83
28.51
31.11
29.69
29.36
31.44
29.96
29.78
29.38
26.60
7.72
29.78
29.53
36
11.43
Net margin%
23.41
20.97
19.70
19.88
19.19
20.62
22.31
24.48
24.35
26.92
19.20
24.35
21.64
47
36.42
P/E ratio (avg)x
61.21
62.22
61.04
66.64
75.52
72.34
72.96
69.00
80.09
82.83
8.822
72.96
70.67
63
29.39
P/TBVx
10.40
11.02
12.21
14.71
15.24
16.95
19.06
21.87
24.10
23.99
37.62
21.87
16.09
93
23.77
P/Bx
9.081
8.941
9.083
9.227
8.589
9.545
9.742
10.37
9.271
9.447
28.55
9.545
9.249
8
40.09
NII$M
59.13
61.11
64.34
66.83
68.69
70.64
71.06
73.01
76.23
80.12
9.942
3.13%
3.35%
—
23.78
NII grth%
20.53
21.10
18.62
16.32
13.58
11.41
10.69
10.00
9.50
7.83
17.63
10.00
12.49
68
3.15
ROTE%
8.55
10.26
11.29
12.76
10.19
10.69
8.76
7.36
5.87
3.22
9.31
7.36
9.48
92
26.98
Return on equity%
18.38
18.88
20.57
23.57
26.36
29.35
31.50
30.89
33.42
34.15
4.67
31.50
27.86
85
25.19
Return on assets%
23.83
23.35
20.50
21.35
19.91
19.30
21.32
18.43
19.43
17.49
24.56
19.30
20.20
61
0.31
EPS$
1.11
1.33
1.35
1.60
1.76
2.04
2.15
2.46
2.81
3.07
0.32
11.70%
11.71%
—
10.26
EPS growth%
22.88
21.88
23.02
20.72
19.19
17.05
15.71
17.96
17.69
18.76
28.90
17.69
18.97
26
0.81
Bookvalue per sh$
0.22
0.24
0.26
0.27
0.31
0.28
0.31
0.29
0.28
0.31
0.82
(0.13%)
3.67%
—
0.60
TBV/sh$
0.27
0.28
0.30
0.31
0.29
0.27
0.26
0.25
0.26
0.27
0.47
(1.53%)
1.11%
—
0.39
Dividend per sh$
0.38
0.39
0.38
0.38
0.43
0.40
0.45
0.52
0.49
0.54
0.66
4.59%
2.96%
—
21.42
Div yield (avg)%
20.70
19.61
19.34
18.55
19.25
18.09
20.15
22.12
24.42
21.87
18.71
21.87
19.88
31
22.96
Payout ratio%
0.40
0.40
0.48
0.40
2.14
2.62
3.13
3.37
5.23
3.99
3.33
3.37
2.38
50
63.26
Shares (diluted)M
60.87
66.63
70.26
75.39
83.38
90.84
82.56
93.37
107.0
116.7
64.10
6.96%
6.75%
23
3.38
Buyback yield%
18.11
16.80
14.18
13.86
13.97
15.33
13.68
14.90
15.65
18.38
26.77
15.33
15.11
56
121.21
Eq/Assets%
96.68
92.58
85.48
83.49
79.64
71.34
76.75
69.94
68.50
60.82
86.25
69.94
78.19
11
99.77
Assets$M
101.3
105.7
119.6
128.8
139.1
153.4
169.6
188.9
207.6
212.6
10.36
8.85%
9.31%
90
105.9
LT debt$M
85.18
84.48
95.25
103.7
110.1
113.8
132.0
147.2
139.1
152.9
68.47
6.78%
6.68%
72
Total assets
$212.6M
9.31%
1.77×
Revenue
$124.8M
3.23%
1.00×
Non-interest expense
$77.14M
3.44%
1.02×
Net interest income
64.21%
Non-interest income
35.79%