21.96
Revenue$M
262.7
272.7
293.8
313.9
334.0
354.9
369.7
391.7
419.3
437.7
23.77
5.56%
5.91%
23
6.53
Revenue growth%
9.05
6.34
9.12
7.42
6.69
4.49
4.35
3.01
5.30
3.39
11.55
4.35
5.82
37
14.51
NIM%
0.40
1.60
4.10
3.91
5.80
8.79
9.89
10.29
9.93
12.26
7.47
9.93
7.29
42
5.58
Effic. R.%
14.86
13.60
15.47
14.81
14.74
17.58
15.38
16.01
17.31
15.00
13.60
16.01
15.19
19
5.88
Net margin%
18.56
21.49
19.22
20.58
22.95
23.25
25.72
26.39
27.82
26.89
15.73
26.39
23.10
93
30.83
P/E ratio (avg)x
25.91
25.34
28.54
31.15
31.03
35.28
38.97
35.95
33.13
32.70
18.82
35.28
31.92
90
23.61
P/TBVx
7.427
7.355
7.974
8.559
8.560
7.454
7.509
8.108
7.898
6.808
14.53
7.509
7.703
58
6.533
P/Bx
27.71
30.40
26.98
23.96
26.45
23.74
24.24
23.75
23.49
25.13
36.73
23.75
24.69
70
146.1
NII$M
148.3
149.9
163.0
174.9
183.2
199.5
202.5
219.5
234.8
243.4
481.5
5.85%
6.10%
—
4.10
NII grth%
27.48
27.93
28.68
25.76
23.70
24.56
23.61
22.10
20.75
21.01
25.84
22.10
24.13
11
14.94
ROTE%
19.18
17.93
18.79
17.18
15.94
15.15
17.41
16.36
14.13
17.01
21.54
16.36
17.10
45
21.64
Return on equity%
18.70
16.84
15.13
15.70
17.02
19.84
21.05
18.77
17.22
17.96
3.79
18.77
17.59
68
15.22
Return on assets%
5.68
3.70
4.83
2.20
1.01
1.07
0.40
2.06
0.40
0.40
18.14
0.40
1.56
66
1.51
EPS$
0.79
0.76
0.82
0.79
0.87
0.96
0.97
0.96
1.10
1.17
1.62
6.23%
3.95%
—
10.00
EPS growth%
14.67
13.20
11.90
9.65
10.98
12.42
14.99
17.87
18.42
18.92
8.95
17.87
13.94
21
1.74
Bookvalue per sh$
0.44
0.43
0.50
0.50
0.50
0.54
0.52
0.52
0.56
0.60
1.72
3.74%
4.36%
—
1.10
TBV/sh$
0.60
0.62
0.64
0.70
0.77
0.74
0.69
0.66
0.73
0.68
0.36
(2.43%)
0.12%
—
0.99
Dividend per sh$
0.37
0.37
0.39
0.39
0.40
0.43
0.46
0.44
0.41
0.43
0.59
1.25%
1.27%
—
18.59
Div yield (avg)%
26.55
26.03
23.15
25.36
26.33
29.31
29.57
30.71
32.02
34.66
4.27
30.71
27.93
52
27.91
Payout ratio%
34.44
34.07
36.89
38.43
40.04
41.03
42.89
43.40
44.01
44.38
12.68
43.40
40.53
60
143.1
Shares (diluted)M
201.9
212.4
243.5
250.3
256.3
262.8
250.5
289.9
333.0
363.2
150.3
7.22%
6.16%
88
9.02
Buyback yield%
7.73
7.38
9.59
8.61
11.48
11.57
11.78
10.17
10.78
12.82
12.05
11.57
10.47
9
14.85
Eq/Assets%
48.34
46.33
42.85
36.39
34.79
32.08
29.98
26.79
26.45
24.67
14.96
26.79
33.44
77
260.0
Assets$M
426.9
474.8
503.7
552.6
611.1
661.0
711.2
741.2
822.5
894.1
340.8
7.91%
8.37%
8
464.2
LT debt$M
297.3
330.8
385.5
382.8
455.4
446.6
534.7
599.4
695.8
808.6
236.3
12.17%
10.66%
34
Total assets
$894.1M
8.37%
1.26×
Revenue
$437.7M
5.91%
1.00×
Non-interest expense
$244.6M
5.92%
1.00×
Net interest income
55.61%
Non-interest income
44.39%