63.36
Revenue$M
105.2
106.4
110.1
116.0
119.2
123.0
124.9
128.4
130.2
136.1
70.01
2.68%
2.89%
24
12.87
Revenue growth%
22.95
21.62
21.62
22.25
20.82
18.27
21.24
19.98
19.50
18.21
28.01
19.50
21.03
91
9.50
NIM%
22.19
20.48
20.37
21.81
22.68
22.74
21.01
23.04
21.21
18.32
5.00
21.21
21.51
93
28.12
Effic. R.%
9.75
9.32
7.35
5.61
6.21
3.40
5.48
3.92
0.96
0.40
22.73
3.40
5.55
7
9.77
Net margin%
29.65
29.63
30.08
31.40
33.32
34.38
31.55
34.16
32.93
30.45
7.04
32.93
31.47
46
32.02
P/E ratio (avg)x
22.71
26.61
28.85
30.49
29.61
32.16
37.24
40.55
40.73
44.68
9.066
40.55
31.33
27
17.39
P/TBVx
41.29
42.95
45.20
49.63
52.51
60.50
67.50
72.53
78.45
88.94
27.59
72.53
56.50
70
7.734
P/Bx
7.244
7.571
7.595
7.512
7.747
6.854
6.724
6.273
6.465
6.410
31.08
6.465
7.049
77
109.6
NII$M
62.02
61.43
65.11
68.39
68.62
71.68
73.89
75.38
74.82
79.22
90.71
2.92%
2.76%
—
25.11
NII grth%
22.15
19.42
17.93
17.45
15.55
15.58
15.40
13.28
10.69
13.18
19.56
13.28
15.57
20
25.82
ROTE%
18.83
17.11
16.68
15.60
15.62
13.71
16.02
14.45
12.59
14.09
4.99
14.09
15.61
72
23.75
Return on equity%
24.62
24.59
22.07
24.79
23.58
22.20
20.01
20.58
23.33
24.47
10.64
22.20
23.45
38
7.93
Return on assets%
25.51
24.16
26.11
26.24
24.60
22.69
22.25
21.00
23.23
20.70
13.20
22.25
23.69
30
4.62
EPS$
9.85
11.12
11.87
13.71
13.89
14.40
17.43
17.90
20.24
20.15
4.83
7.72%
9.32%
—
10.88
EPS growth%
1.14
0.40
0.40
1.59
0.40
0.40
2.97
2.49
4.44
6.96
14.82
2.97
1.37
61
4.67
Bookvalue per sh$
3.41
3.62
3.92
4.56
4.69
5.06
5.08
5.86
5.87
5.82
3.81
4.40%
6.94%
—
1.95
TBV/sh$
4.16
4.15
4.04
4.83
5.42
6.37
7.28
8.26
8.84
10.59
4.23
14.33%
10.91%
—
1.12
Dividend per sh$
4.04
4.49
4.74
5.51
5.28
5.24
5.58
5.67
6.31
6.47
3.66
4.14%
4.21%
—
27.91
Div yield (avg)%
5.92
3.02
4.25
6.28
8.21
8.64
6.68
7.77
7.74
7.96
28.63
7.77
7.21
81
6.29
Payout ratio%
21.12
23.10
22.37
20.86
20.10
18.07
17.92
20.41
22.58
21.28
9.21
20.41
20.99
62
20.81
Shares (diluted)M
34.33
32.29
37.14
37.12
40.46
46.40
47.30
48.21
45.88
43.73
21.13
1.57%
2.64%
29
22.16
Buyback yield%
29.86
31.14
29.69
28.00
30.11
27.23
26.01
26.25
27.54
29.69
21.49
27.23
28.84
68
43.85
Eq/Assets%
94.44
98.16
98.36
97.40
106.18
110.89
124.15
147.62
172.27
203.60
50.34
147.62
108.54
62
85.06
Assets$M
63.16
67.98
73.16
76.83
84.97
91.98
99.67
108.5
116.6
127.3
103.0
8.41%
8.39%
75
87.42
LT debt$M
34.39
34.31
32.39
35.18
37.54
38.39
43.03
45.58
41.55
41.49
5.756
2.02%
3.12%
15
Total assets
$127.3M
8.39%
1.68×
Revenue
$136.1M
2.89%
1.00×
Non-interest expense
$79.15M
2.77%
0.99×
Net interest income
58.20%
Non-interest income
41.80%
Return on capital
100.52%
Spread over hurdle
93.48%