132.4
Revenue$M
137.0
140.3
140.3
140.1
141.4
143.5
146.5
144.8
147.0
147.9
137.3
0.91%
1.05%
27
19.07
Revenue growth%
25.16
25.11
27.37
30.22
27.28
29.36
30.27
28.71
30.60
28.88
5.97
29.36
28.79
8
28.19
NIM%
16.28
14.55
13.02
13.65
16.08
17.75
19.90
17.52
20.28
19.88
17.75
19.88
16.90
15
19.59
Effic. R.%
16.57
19.12
17.45
19.27
19.33
17.50
15.59
18.44
19.75
16.82
24.48
17.50
17.97
40
21.40
Net margin%
8.15
7.13
5.26
4.45
3.35
6.17
4.94
2.13
5.08
3.47
10.38
4.94
5.01
31
11.42
P/E ratio (avg)x
35.09
36.72
39.72
44.65
45.09
53.43
56.50
64.76
73.48
77.13
37.60
64.76
49.26
34
26.90
P/TBVx
39.00
38.59
38.45
42.93
49.66
58.76
55.98
56.10
57.00
65.85
8.825
57.00
52.82
94
26.88
P/Bx
41.19
40.43
41.98
37.34
35.23
33.08
32.41
35.61
33.60
35.92
26.79
33.60
35.77
94
51.59
NII$M
95.21
97.19
99.03
98.00
98.82
101.3
101.5
101.0
102.0
104.5
127.7
1.13%
1.19%
—
19.05
NII grth%
28.67
27.88
27.63
28.39
25.60
27.57
28.13
27.62
29.12
31.14
26.56
28.13
28.01
69
27.43
ROTE%
5.18
3.82
3.64
3.74
5.91
4.96
2.63
3.76
6.71
8.09
19.86
4.96
4.39
12
24.89
Return on equity%
18.53
16.02
16.09
17.85
16.15
18.39
17.36
17.37
17.91
16.18
13.07
17.37
17.36
65
12.95
Return on assets%
22.30
20.46
17.48
15.75
14.80
14.70
14.34
14.90
14.81
12.85
6.39
14.70
14.85
18
2.05
EPS$
2.92
2.88
2.82
2.90
3.14
2.73
2.50
2.59
2.47
2.42
2.27
(5.11%)
(1.39%)
—
6.95
EPS growth%
17.01
18.31
16.45
13.59
13.24
15.35
13.06
12.23
12.42
13.52
12.90
13.06
13.55
19
1.89
Bookvalue per sh$
4.05
4.19
3.85
3.86
3.87
3.58
3.70
4.02
3.87
3.80
2.74
(0.38%)
(1.75%)
—
3.63
TBV/sh$
1.20
1.14
1.19
1.16
1.32
1.50
1.41
1.30
1.45
1.35
1.48
0.43%
0.25%
—
2.02
Dividend per sh$
3.59
4.08
4.35
4.94
4.99
5.26
5.94
5.54
5.79
6.36
3.92
4.96%
7.03%
—
18.76
Div yield (avg)%
8.56
11.29
13.31
13.03
13.53
14.63
12.94
14.56
11.61
13.97
22.52
13.97
13.17
16
9.86
Payout ratio%
13.58
14.59
17.02
19.37
20.32
18.78
17.38
19.76
22.33
22.39
21.57
19.76
19.07
87
28.80
Shares (diluted)M
41.64
46.25
55.97
64.52
65.23
78.72
77.61
78.85
90.18
103.3
28.71
9.63%
9.46%
87
13.23
Buyback yield%
25.01
27.40
28.20
25.83
27.71
27.84
27.76
25.30
22.40
22.58
17.66
25.30
26.61
34
151.22
Eq/Assets%
266.60
272.48
288.99
307.75
305.15
344.23
407.29
473.75
471.42
503.51
111.28
471.42
325.99
82
22.29
Assets$M
301.2
317.8
339.0
377.5
406.3
444.1
462.6
515.9
569.8
637.4
107.0
9.43%
8.75%
83
42.34
LT debt$M
126.2
125.1
138.0
149.0
144.1
133.6
119.1
128.5
135.4
137.8
54.14
(0.90%)
(0.48%)
14
Total assets
$637.4M
8.75%
2.08×
Revenue
$147.9M
1.05%
1.00×
Non-interest expense
$73.29M
0.95%
0.99×
Net interest income
70.67%
Non-interest income
29.33%