72.82
Revenue$M
68.86
70.31
73.21
76.44
79.26
83.50
84.98
88.77
90.15
93.57
75.55
3.38%
3.48%
82
26.82
Revenue growth%
13.79
11.40
9.74
8.60
8.33
9.75
10.20
12.36
10.00
10.00
16.17
10.00
10.00
40
8.96
NIM%
20.83
20.97
23.97
25.98
24.37
24.48
21.74
22.41
20.73
17.84
21.55
21.74
22.07
30
21.66
Effic. R.%
15.69
17.07
16.80
14.64
13.11
14.27
15.26
17.85
18.49
21.20
23.40
17.85
16.25
76
10.49
Net margin%
31.23
32.82
32.75
30.31
29.00
31.88
31.14
29.42
29.53
30.58
28.03
30.58
30.86
51
13.13
P/E ratio (avg)x
33.99
33.80
33.60
34.64
34.73
32.34
32.68
34.05
39.17
45.57
29.20
34.05
34.02
72
6.748
P/TBVx
21.63
18.95
17.12
17.01
14.88
15.71
14.51
14.02
14.94
15.59
18.38
14.94
15.65
19
8.763
P/Bx
33.91
31.48
29.52
29.68
32.09
33.67
34.25
33.63
36.01
36.15
11.02
34.25
33.65
73
10.47
NII$M
43.78
45.42
46.41
49.29
51.30
53.27
54.15
56.64
57.81
60.26
3.962
3.27%
3.39%
—
25.50
NII grth%
2.88
5.80
4.22
3.94
4.60
4.43
7.19
7.64
10.08
9.88
26.56
7.64
5.20
15
16.86
ROTE%
10.84
9.66
7.05
8.92
9.90
11.11
11.18
12.23
10.31
12.84
19.75
11.18
10.58
69
26.94
Return on equity%
9.06
6.76
6.24
6.44
4.06
3.02
4.91
2.83
1.77
1.30
2.04
2.83
4.49
44
8.98
Return on assets%
28.03
29.48
26.49
25.55
23.92
24.26
26.26
28.68
27.08
24.44
10.86
26.26
26.37
34
1.69
EPS$
1.86
2.08
2.25
2.30
2.57
2.61
2.66
2.81
3.30
3.16
1.81
4.17%
5.66%
—
19.88
EPS growth%
4.03
2.04
2.55
0.40
0.40
0.40
1.88
0.64
0.40
2.64
10.63
0.64
1.26
43
0.36
Bookvalue per sh$
1.50
1.47
1.71
1.92
1.88
2.01
2.13
2.42
2.85
3.31
1.64
11.96%
7.96%
—
0.93
TBV/sh$
0.98
0.95
0.91
0.97
0.94
1.02
1.09
1.20
1.17
1.19
0.95
4.72%
1.85%
—
1.29
Dividend per sh$
1.96
1.97
2.12
2.23
2.44
2.30
2.48
2.44
2.26
2.28
0.44
(1.39%)
2.83%
—
29.19
Div yield (avg)%
23.81
25.86
25.81
26.84
26.73
23.79
24.30
22.88
22.07
24.73
23.15
23.79
24.52
58
27.56
Payout ratio%
8.67
5.80
5.26
7.13
9.33
8.91
7.72
10.23
9.07
7.72
4.49
8.91
8.19
22
11.74
Shares (diluted)M
18.09
20.88
21.78
25.42
27.17
26.49
28.19
31.65
37.67
44.23
11.91
10.24%
10.26%
6
6.79
Buyback yield%
21.47
20.88
21.12
23.06
21.14
22.13
24.94
23.33
25.44
25.63
24.87
24.94
22.59
51
21.62
Eq/Assets%
77.37
89.04
101.68
94.81
96.38
94.45
102.07
104.19
117.49
109.40
90.86
104.19
99.03
7
18.14
Assets$M
229.8
250.6
269.1
291.4
310.2
334.6
368.2
387.3
416.3
448.4
73.76
7.65%
8.15%
37
31.42
LT debt$M
30.49
31.68
33.31
38.32
37.81
38.20
36.90
42.54
45.69
42.84
67.34
2.53%
3.29%
38
Total assets
$448.4M
8.15%
1.55×
Revenue
$93.57M
3.48%
1.00×
Non-interest expense
$57.94M
3.60%
1.01×
Net interest income
64.40%
Non-interest income
35.60%