244.4
Revenue$M
133.0
143.5
154.3
168.5
183.1
197.5
217.6
235.5
249.9
270.5
254.5
8.12%
8.09%
38
18.57
Revenue growth%
12.66
10.87
11.73
10.62
11.54
12.43
11.91
14.24
13.94
11.42
25.98
12.43
11.82
63
26.19
NIM%
15.60
18.27
19.12
18.68
20.07
22.31
21.79
23.36
21.51
19.65
22.07
21.79
19.86
81
14.27
Effic. R.%
17.74
15.46
16.08
18.89
21.09
20.91
21.85
20.10
20.36
22.80
6.48
20.91
20.23
67
7.74
Net margin%
21.59
19.17
19.11
18.85
19.23
17.14
19.31
21.56
22.76
24.67
17.88
21.56
19.27
38
10.31
P/E ratio (avg)x
30.96
28.69
30.56
30.99
27.59
27.85
25.23
27.32
28.14
28.92
25.89
27.85
28.42
72
14.66
P/TBVx
36.40
38.94
41.55
45.30
44.24
46.33
47.13
48.76
53.85
51.77
11.57
48.76
45.81
77
20.84
P/Bx
34.00
35.36
37.39
36.21
36.64
40.41
41.03
47.37
55.91
56.40
26.55
47.37
38.90
17
93.51
NII$M
90.54
96.56
104.9
114.9
124.6
134.9
149.7
162.0
170.9
182.9
220.1
7.98%
7.90%
—
2.81
NII grth%
3.57
2.05
3.56
5.99
4.55
6.97
5.32
3.16
1.77
4.00
3.76
4.00
3.79
73
28.87
ROTE%
14.37
13.47
11.14
8.28
10.89
10.68
10.06
8.74
10.19
12.54
11.16
10.19
10.79
52
19.11
Return on equity%
26.74
25.67
26.22
26.63
25.46
23.76
26.72
28.41
30.46
28.50
12.33
28.41
26.67
88
5.74
Return on assets%
9.46
9.39
7.62
9.56
6.82
9.03
9.33
12.14
10.07
8.70
17.30
9.33
9.36
60
4.22
EPS$
4.47
5.29
6.15
7.42
8.65
10.19
12.23
12.21
14.07
16.29
4.69
13.50%
14.90%
—
6.92
EPS growth%
2.33
0.40
2.60
0.40
0.40
0.90
1.45
2.22
1.30
0.40
11.32
1.30
1.10
41
1.59
Bookvalue per sh$
5.29
4.88
5.36
5.48
5.40
5.27
5.18
5.21
5.33
5.02
3.03
(1.48%)
(0.88%)
—
1.03
TBV/sh$
5.88
6.20
6.45
6.94
8.15
9.40
9.50
10.58
10.99
12.52
1.60
8.98%
8.47%
—
5.08
Dividend per sh$
2.03
1.77
1.77
1.92
1.99
1.78
1.76
1.63
1.60
1.72
2.78
(2.85%)
(1.09%)
—
7.64
Div yield (avg)%
12.79
12.28
11.82
11.33
13.67
11.71
12.35
13.15
11.72
12.38
9.89
12.35
12.31
77
6.34
Payout ratio%
13.52
11.14
13.61
11.30
11.94
13.97
14.60
16.87
14.36
14.96
5.57
14.60
13.79
88
25.54
Shares (diluted)M
24.19
24.40
27.34
27.93
28.13
31.72
31.71
29.04
30.59
33.61
25.60
3.62%
3.80%
27
3.35
Buyback yield%
6.63
6.16
5.00
6.51
7.16
8.76
9.90
8.99
10.68
11.66
15.55
9.90
7.96
35
74.39
Eq/Assets%
63.48
67.20
60.70
66.87
72.74
80.45
85.30
92.98
100.29
106.51
106.71
92.98
76.59
37
172.2
Assets$M
402.4
449.2
483.6
509.5
564.4
584.5
623.5
663.4
708.9
805.8
46.75
7.38%
7.87%
13
97.29
LT debt$M
225.5
251.6
237.8
244.8
216.5
239.8
255.0
250.0
224.5
212.7
160.4
(0.35%)
0.47%
42
Total assets
$805.8M
7.87%
0.98×
Revenue
$270.5M
8.09%
1.00×
Non-interest expense
$132.9M
7.86%
0.98×
Net interest income
67.63%
Non-interest income
32.37%