34.16
Revenue$M
50.07
54.61
59.05
63.37
68.88
72.46
76.90
83.24
90.38
98.91
37.28
7.51%
7.80%
46
21.04
Revenue growth%
8.09
5.82
3.57
5.52
5.45
6.55
8.80
8.09
8.67
7.73
29.55
8.09
7.14
55
5.33
NIM%
22.27
22.70
20.07
17.87
18.23
17.59
17.11
17.63
18.50
18.81
4.70
17.63
18.36
14
11.94
Effic. R.%
28.10
27.34
28.53
30.64
31.38
33.17
34.07
35.77
36.97
36.82
27.07
35.77
32.27
32
9.71
Net margin%
11.63
13.89
12.06
10.25
11.19
13.83
10.98
9.28
9.89
11.22
20.39
10.98
11.20
88
7.007
P/E ratio (avg)x
26.94
29.65
28.76
26.53
26.20
24.27
21.49
21.11
22.25
23.25
28.60
22.25
25.23
22
23.59
P/TBVx
28.44
30.02
28.66
27.12
26.64
26.06
25.26
27.40
26.37
27.35
36.75
26.37
27.23
61
9.990
P/Bx
18.56
16.36
16.24
17.63
15.90
16.61
17.13
16.44
17.01
16.09
35.77
16.61
16.52
40
71.60
NII$M
29.99
33.13
36.30
38.66
41.65
44.45
46.80
51.18
54.30
60.89
124.0
7.89%
8.12%
—
3.57
NII grth%
16.59
13.62
13.22
15.61
16.55
16.17
16.08
16.21
16.98
14.19
13.89
16.17
16.12
48
13.19
ROTE%
3.27
1.33
1.55
1.08
2.26
0.44
1.48
0.40
1.23
1.22
4.42
1.22
1.28
83
14.79
Return on equity%
11.75
9.27
10.76
8.93
10.20
13.16
13.98
16.20
15.44
13.41
24.32
13.98
12.46
84
5.03
Return on assets%
4.13
2.19
3.00
5.40
3.21
3.21
2.78
3.74
2.48
2.23
24.27
2.78
3.10
87
1.18
EPS$
1.27
1.54
1.64
1.92
2.23
2.29
2.71
2.67
2.78
3.12
1.23
6.98%
9.34%
—
19.75
EPS growth%
9.78
9.67
8.59
7.16
6.70
8.16
6.78
5.54
6.57
4.71
19.04
6.57
6.97
57
0.93
Bookvalue per sh$
0.32
0.35
0.35
0.39
0.35
0.39
0.38
0.36
0.39
0.44
0.49
4.35%
3.62%
—
0.55
TBV/sh$
1.41
1.44
1.52
1.55
1.70
1.86
1.75
1.79
1.76
2.02
0.97
3.43%
3.31%
—
1.03
Dividend per sh$
1.00
0.92
0.90
0.92
0.88
0.87
0.97
0.96
1.00
1.02
1.08
3.00%
0.80%
—
11.72
Div yield (avg)%
22.41
19.63
19.38
17.12
17.74
18.06
19.90
21.79
23.38
20.81
26.78
20.81
19.76
9
13.89
Payout ratio%
0.59
3.12
2.54
3.57
2.50
3.60
3.73
1.68
1.43
2.82
19.66
2.82
2.68
80
28.94
Shares (diluted)M
32.23
30.72
30.40
32.91
34.53
38.02
39.01
43.43
44.37
47.86
28.06
6.75%
3.41%
36
26.92
Buyback yield%
19.26
20.70
22.02
23.95
22.98
23.88
23.49
23.13
20.90
20.16
7.44
23.13
22.50
92
54.14
Eq/Assets%
124.45
112.89
115.89
127.20
118.94
123.36
114.57
107.05
106.96
112.95
96.63
112.95
115.23
95
51.42
Assets$M
53.44
59.10
66.28
73.82
82.54
92.41
100.3
108.2
119.5
125.8
117.8
8.79%
9.35%
31
69.57
LT debt$M
29.15
29.48
31.62
31.28
29.91
26.73
23.60
20.82
20.21
19.01
88.80
(8.67%)
(4.59%)
24
Total assets
$125.8M
9.35%
1.15×
Revenue
$98.91M
7.80%
1.00×
Non-interest expense
$53.03M
7.84%
1.00×
Net interest income
61.56%
Non-interest income
38.44%