158.3
Revenue$M
141.0
142.8
149.8
151.7
159.7
165.3
168.1
175.0
175.9
181.7
166.9
2.61%
2.60%
51
28.49
Revenue growth%
18.01
15.02
13.61
16.35
17.41
19.89
20.83
20.91
18.42
16.00
2.44
19.89
17.71
76
10.26
NIM%
0.40
0.40
0.40
2.79
4.36
2.11
2.26
3.39
4.29
5.84
7.89
3.39
2.53
51
18.55
Effic. R.%
17.94
20.49
21.76
21.91
23.52
20.65
22.88
20.53
22.21
22.85
20.93
22.21
21.83
53
6.57
Net margin%
15.18
16.63
16.95
19.76
18.77
16.73
15.82
14.74
12.46
10.14
18.75
14.74
16.22
75
8.934
P/E ratio (avg)x
50.01
52.10
58.10
57.76
66.69
69.85
74.91
75.07
86.25
83.29
29.09
75.07
68.27
44
18.11
P/TBVx
19.24
22.38
24.50
26.47
27.40
28.63
27.82
32.75
32.24
31.50
23.36
31.50
27.61
83
23.15
P/Bx
39.18
39.21
43.52
45.44
47.65
53.10
52.03
52.34
52.72
54.56
27.58
52.72
49.84
87
131.9
NII$M
98.75
102.2
105.2
107.3
113.0
117.1
119.9
124.3
125.9
128.0
197.3
2.52%
2.44%
—
15.02
NII grth%
21.65
21.82
21.99
23.64
21.96
19.58
18.98
18.94
20.63
20.27
20.97
19.58
21.14
57
8.05
ROTE%
26.29
28.12
26.88
24.35
26.29
28.10
27.32
29.85
32.26
30.28
13.02
29.85
27.71
88
12.56
Return on equity%
5.74
8.55
5.89
3.36
4.17
5.53
7.14
9.16
7.88
5.73
11.11
7.14
5.82
43
24.48
Return on assets%
16.84
16.06
18.27
18.00
19.60
19.95
19.92
22.37
22.62
19.68
26.66
19.95
19.64
43
12.11
EPS$
12.33
11.79
12.59
14.70
15.39
15.72
18.52
18.66
21.01
24.65
13.42
9.88%
8.47%
—
12.22
EPS growth%
20.43
20.82
21.45
22.94
25.28
26.77
24.14
24.67
25.55
26.61
12.54
25.55
24.41
75
6.14
Bookvalue per sh$
2.78
2.57
2.53
2.68
2.42
2.34
2.22
2.40
2.54
2.54
4.12
0.95%
(0.34%)
—
11.46
TBV/sh$
17.61
19.42
19.62
20.91
25.21
29.70
35.86
41.38
45.34
52.12
9.54
15.64%
11.29%
—
8.70
Dividend per sh$
2.17
2.09
1.79
1.81
1.74
1.61
1.68
1.65
1.67
1.64
3.58
(1.22%)
(3.37%)
—
11.78
Div yield (avg)%
28.22
29.99
28.82
28.74
25.98
24.36
21.43
22.40
25.34
24.37
5.71
24.36
25.66
70
2.65
Payout ratio%
13.94
13.66
12.95
15.75
18.44
16.55
15.97
14.75
12.51
14.19
8.87
14.75
14.47
7
17.63
Shares (diluted)M
16.24
14.85
16.63
16.64
17.12
16.91
17.10
18.19
18.57
18.14
17.67
1.16%
1.06%
57
3.00
Buyback yield%
16.52
18.20
15.92
15.70
17.37
17.82
16.22
17.56
14.60
16.04
20.64
16.22
16.37
41
100.02
Eq/Assets%
146.29
148.97
149.43
150.32
144.25
149.14
173.06
185.05
210.87
220.81
106.80
185.05
149.87
70
148.8
Assets$M
289.6
328.0
356.2
364.5
413.7
467.9
493.3
507.3
546.2
588.5
71.96
7.30%
7.96%
52
95.09
LT debt$M
121.5
120.0
117.9
142.6
141.0
146.0
154.1
152.1
174.6
198.3
126.5
7.05%
5.62%
86
Total assets
$588.5M
7.96%
1.66×
Revenue
$181.7M
2.60%
1.00×
Non-interest expense
$96.56M
2.62%
1.00×
Net interest income
70.47%
Non-interest income
29.53%