11.37
Revenue$M
62.94
66.24
68.70
72.49
77.78
80.99
85.58
91.61
96.42
99.21
12.01
4.99%
5.26%
6
23.54
Revenue growth%
21.92
21.68
21.97
19.59
18.59
18.67
21.16
23.27
21.04
19.51
21.78
21.04
21.10
82
3.61
NIM%
12.00
9.82
12.04
9.66
10.47
12.43
15.09
14.16
12.45
10.45
24.06
12.45
12.02
32
5.59
Effic. R.%
23.93
23.82
22.77
23.91
24.40
24.07
21.20
22.57
22.74
21.46
7.57
22.57
23.30
33
25.10
Net margin%
3.70
5.88
8.68
11.44
8.92
11.77
9.79
7.11
9.16
10.78
14.34
9.79
9.04
53
8.342
P/E ratio (avg)x
39.25
39.15
43.97
46.55
49.81
47.03
52.94
55.10
52.81
55.98
22.04
52.94
48.42
38
20.32
P/TBVx
22.20
21.79
22.00
24.61
25.11
28.44
32.16
32.33
36.63
38.87
31.11
32.33
26.77
32
12.60
P/Bx
18.26
19.11
17.08
14.77
13.11
12.38
11.69
12.06
12.50
12.41
12.14
12.38
12.81
81
119.6
NII$M
45.59
48.11
50.29
52.78
56.88
59.43
62.16
66.07
70.01
72.51
126.7
4.98%
5.31%
—
8.57
NII grth%
25.85
22.97
25.81
25.09
24.97
22.60
23.09
20.92
23.73
26.27
26.30
23.09
24.35
52
25.81
ROTE%
10.96
12.93
13.70
13.22
15.45
17.39
17.85
18.60
19.22
16.85
26.54
17.85
16.15
47
11.86
Return on equity%
13.95
16.74
14.84
17.56
17.01
19.28
20.75
22.16
23.51
26.11
14.08
22.16
18.42
27
10.07
Return on assets%
11.13
12.13
13.92
16.60
19.03
18.13
18.53
20.47
21.56
19.36
6.18
19.36
18.33
37
0.96
EPS$
2.03
2.13
2.46
2.37
2.38
2.40
2.68
2.96
2.75
2.86
1.07
3.77%
3.24%
—
13.30
EPS growth%
33.95
36.34
37.31
38.29
38.80
37.99
40.23
39.21
40.66
38.76
16.99
39.21
38.52
51
1.11
Bookvalue per sh$
0.81
0.80
0.79
0.86
0.83
0.77
0.68
0.67
0.67
0.72
0.39
(2.83%)
(1.14%)
—
0.78
TBV/sh$
0.92
0.89
1.05
1.09
1.20
1.29
1.43
1.55
1.53
1.67
0.87
6.78%
7.43%
—
0.96
Dividend per sh$
0.65
0.73
0.82
0.94
0.96
0.94
0.98
0.94
0.96
1.08
2.15
2.27%
6.23%
—
27.78
Div yield (avg)%
20.57
18.72
17.81
15.91
17.62
17.49
20.21
19.99
22.96
24.88
9.36
20.21
19.36
43
19.66
Payout ratio%
4.54
6.50
4.02
3.57
5.56
6.80
3.83
6.17
5.57
7.91
17.45
6.17
5.57
58
22.59
Shares (diluted)M
25.43
26.12
25.79
25.37
26.08
29.63
31.28
30.52
34.60
35.25
22.35
6.21%
4.49%
76
16.38
Buyback yield%
5.61
3.23
3.00
5.04
5.62
7.27
8.10
9.20
7.05
9.50
14.47
8.10
6.34
53
100.24
Eq/Assets%
76.36
85.70
97.95
105.72
108.99
110.35
113.74
113.11
133.59
161.04
103.05
113.74
109.67
50
68.49
Assets$M
412.8
438.2
461.5
524.0
541.8
576.5
633.5
697.3
751.7
823.7
43.98
8.74%
7.87%
87
130.8
LT debt$M
51.27
54.37
51.03
51.76
53.81
52.51
56.79
54.28
58.61
54.66
52.52
0.31%
1.80%
77
Total assets
$823.7M
7.87%
1.28×
Revenue
$99.21M
5.26%
1.00×
Non-interest expense
$45.13M
5.17%
0.99×
Net interest income
73.09%
Non-interest income
26.91%