155.3
Revenue$M
106.6
115.3
123.7
132.7
142.0
155.5
168.8
180.1
193.8
212.7
172.8
8.41%
8.21%
26
4.26
Revenue growth%
2.45
3.11
3.48
2.08
3.85
1.00
0.40
0.40
0.40
0.40
21.87
0.40
1.54
81
9.85
NIM%
8.97
11.00
12.86
12.14
14.39
12.50
13.68
10.78
11.99
14.86
12.52
12.50
12.32
36
15.12
Effic. R.%
14.61
16.35
15.86
16.45
15.36
13.66
14.00
15.50
14.32
17.20
6.29
14.32
15.43
64
2.08
Net margin%
23.42
21.27
21.89
20.64
21.95
23.29
23.91
21.26
22.90
21.73
3.72
22.90
21.92
21
23.17
P/E ratio (avg)x
30.74
27.54
30.43
32.72
30.72
28.03
27.00
28.21
27.36
28.72
24.64
28.03
28.47
40
6.374
P/TBVx
34.76
32.04
30.84
27.66
26.05
24.70
27.39
29.55
29.63
28.82
7.884
28.82
29.18
59
29.78
P/Bx
24.98
24.42
22.08
24.26
26.55
25.85
23.39
24.65
24.12
26.32
15.36
24.65
24.53
46
279.8
NII$M
69.31
75.62
81.35
86.10
92.04
100.4
110.9
117.4
125.2
140.7
71.13
8.85%
8.38%
—
7.02
NII grth%
7.60
10.03
9.84
7.79
9.23
8.54
10.28
10.02
9.44
11.18
20.37
10.02
9.64
30
18.97
ROTE%
32.99
30.58
27.98
30.30
31.50
29.39
31.43
32.65
32.40
32.23
3.95
32.23
31.47
15
25.04
Return on equity%
18.58
16.17
14.56
16.86
17.12
19.99
19.31
17.80
16.71
16.72
25.72
17.80
16.99
9
26.62
Return on assets%
13.17
14.50
12.83
13.08
10.69
8.74
7.94
8.48
9.15
8.28
14.06
8.48
9.92
50
1.96
EPS$
3.17
3.40
3.40
3.54
4.02
4.32
4.99
5.59
6.37
6.23
2.13
9.12%
7.58%
—
14.26
EPS growth%
24.48
26.96
29.78
27.76
26.73
27.16
26.62
24.43
26.65
29.22
9.54
26.65
26.85
95
0.66
Bookvalue per sh$
0.55
0.49
0.44
0.40
0.36
0.32
0.35
0.36
0.32
0.28
0.43
(4.46%)
(5.80%)
—
2.13
TBV/sh$
1.89
1.88
2.01
1.97
1.98
1.83
1.97
1.70
1.71
1.83
0.66
(1.61%)
0.15%
—
1.49
Dividend per sh$
1.28
1.33
1.29
1.37
1.50
1.57
1.65
1.64
1.68
1.72
0.91
2.67%
2.56%
—
16.60
Div yield (avg)%
21.15
19.11
17.45
20.00
17.06
17.59
19.26
21.32
22.01
19.13
28.27
19.26
19.20
67
29.12
Payout ratio%
30.06
31.17
29.41
26.57
25.84
25.90
28.78
30.32
29.30
26.55
9.35
28.78
29.04
75
41.30
Shares (diluted)M
33.64
31.42
27.26
23.85
23.92
21.64
21.43
20.57
21.94
19.80
41.29
(3.71%)
(6.01%)
8
14.44
Buyback yield%
27.31
26.77
26.85
24.74
26.91
24.26
24.15
26.28
28.13
26.82
29.85
26.28
26.80
43
114.35
Eq/Assets%
45.97
52.47
60.60
66.83
65.02
65.56
74.39
86.92
103.35
111.41
89.98
86.92
66.19
50
0.187
Assets$B
0.587
0.607
0.678
0.726
0.810
0.870
0.966
1.092
1.190
1.301
0.108
9.94%
9.38%
25
177.6
LT debt$M
165.9
153.4
170.8
171.2
172.1
186.2
189.3
181.5
205.7
232.9
148.9
6.24%
4.13%
25
Total assets
$1.301B
9.38%
1.11×
Revenue
$212.7M
8.21%
1.00×
Non-interest expense
$112.5M
8.28%
1.01×
Net interest income
66.14%
Non-interest income
33.86%