30.13
Revenue$M
84.16
86.38
91.72
98.31
101.2
106.6
110.7
113.3
121.1
128.6
32.46
4.91%
4.60%
90
18.01
Revenue growth%
18.40
20.55
20.58
18.56
20.56
19.62
18.36
21.12
23.02
25.10
14.13
21.12
20.55
38
23.83
NIM%
8.39
5.78
5.00
4.02
6.26
3.93
1.08
2.82
5.64
4.20
19.37
3.93
4.60
27
24.51
Effic. R.%
4.84
4.14
4.78
4.12
6.91
8.34
6.32
7.75
4.97
6.21
15.37
6.32
5.59
38
28.84
Net margin%
29.12
31.60
30.94
28.88
28.83
28.47
27.35
29.56
32.28
30.00
28.07
29.56
29.34
67
12.28
P/E ratio (avg)x
20.35
19.16
17.25
15.08
15.79
13.89
13.96
13.15
12.49
11.74
22.02
13.15
14.52
61
16.39
P/TBVx
14.53
15.03
13.93
13.29
14.71
13.35
13.24
13.63
12.27
12.52
30.99
13.24
13.49
55
32.19
P/Bx
53.67
50.02
46.35
45.31
50.68
56.78
61.85
62.37
65.11
62.75
12.68
62.37
55.23
88
103.8
NII$M
65.70
66.33
70.45
76.60
78.59
82.43
85.49
86.66
92.86
99.49
29.09
4.83%
4.69%
—
12.57
NII grth%
7.12
8.78
10.49
8.13
10.35
8.94
11.50
9.28
12.08
12.48
25.09
11.50
9.81
63
5.63
ROTE%
21.86
22.63
24.51
25.52
24.77
26.70
26.32
24.70
22.02
21.39
18.34
24.70
24.60
28
21.21
Return on equity%
16.83
17.12
19.69
17.49
17.75
20.74
21.15
21.62
23.49
26.00
26.94
21.62
20.22
48
20.23
Return on assets%
27.16
24.29
23.60
20.66
18.23
17.28
14.66
11.95
11.57
14.51
26.01
14.51
17.76
21
1.89
EPS$
2.98
3.02
3.44
4.05
3.96
3.75
3.57
3.73
4.08
4.52
2.07
2.70%
4.21%
—
7.72
EPS growth%
5.26
5.41
2.52
3.58
1.82
3.24
0.44
0.40
0.40
1.17
8.53
0.44
2.17
29
1.25
Bookvalue per sh$
0.59
0.56
0.48
0.51
0.54
0.50
0.53
0.56
0.51
0.47
2.27
(2.52%)
(1.62%)
—
1.94
TBV/sh$
3.40
3.93
3.87
4.00
4.29
4.26
4.81
5.24
5.53
6.14
0.87
7.42%
7.85%
—
1.87
Dividend per sh$
2.01
2.31
2.63
2.80
2.80
2.76
2.91
3.29
3.04
3.17
2.02
2.53%
4.81%
—
5.22
Div yield (avg)%
28.86
27.91
26.45
27.68
27.90
26.73
29.15
27.63
29.92
27.74
14.64
27.74
27.82
18
26.60
Payout ratio%
23.70
26.57
26.30
25.56
28.01
30.14
29.87
27.91
29.86
31.02
8.66
29.87
27.96
33
14.46
Shares (diluted)M
15.23
17.34
19.15
20.12
19.52
23.13
22.77
23.96
24.14
26.14
14.46
6.02%
5.64%
16
15.30
Buyback yield%
2.49
3.92
3.75
3.36
0.97
0.40
0.40
1.23
2.89
1.94
7.14
1.23
2.22
41
173.58
Eq/Assets%
147.33
145.12
145.70
163.61
170.72
158.66
142.86
138.40
138.51
151.49
88.31
142.86
146.52
74
71.57
Assets$M
329.8
363.1
405.1
427.3
456.3
502.4
551.5
614.8
654.6
723.8
101.1
9.67%
8.89%
45
34.05
LT debt$M
16.93
17.55
19.01
21.47
23.82
26.62
29.99
30.16
34.86
36.31
98.16
8.80%
9.12%
41
Total assets
$723.8M
8.89%
1.50×
Revenue
$128.6M
4.60%
1.00×
Non-interest expense
$73.70M
4.54%
0.99×
Net interest income
77.35%
Non-interest income
22.65%