100.1
Revenue$M
68.05
72.24
74.59
75.87
78.13
79.85
83.79
88.89
94.03
96.97
106.9
4.42%
3.77%
8
16.57
Revenue growth%
18.23
20.12
19.38
19.34
17.89
18.38
15.48
15.08
13.98
11.53
25.62
15.08
18.06
39
5.79
NIM%
16.94
18.58
17.43
15.69
12.72
13.12
10.18
11.87
14.76
12.93
13.46
12.93
13.94
40
13.63
Effic. R.%
9.88
11.40
10.73
12.96
14.60
11.71
9.61
11.01
9.69
9.19
3.43
9.69
10.87
43
20.79
Net margin%
14.10
12.60
13.71
11.28
13.57
14.44
14.74
16.64
19.64
21.74
24.25
16.64
14.27
48
13.56
P/E ratio (avg)x
33.89
38.31
41.47
40.36
45.48
49.67
59.13
69.51
74.83
75.80
10.64
69.51
47.58
43
6.853
P/TBVx
30.78
30.93
29.35
31.44
33.77
34.17
32.23
33.27
30.90
33.64
22.11
33.27
31.83
87
16.37
P/Bx
34.87
34.02
34.78
30.93
29.48
32.05
29.80
31.90
29.55
31.16
37.62
31.16
31.53
48
32.32
NII$M
47.41
50.39
52.02
52.91
54.32
56.45
57.72
61.71
64.83
67.84
69.41
4.55%
3.88%
—
21.60
NII grth%
12.67
11.80
12.63
13.38
15.14
12.34
13.62
12.44
14.70
15.94
14.86
13.62
13.03
72
2.04
ROTE%
19.62
22.26
24.59
22.74
24.31
25.48
22.84
20.80
21.21
21.55
25.18
21.55
22.50
72
18.16
Return on equity%
29.70
29.35
32.19
30.45
31.86
30.33
30.52
30.76
28.44
27.17
25.89
30.33
30.39
6
4.60
Return on assets%
22.25
21.55
21.54
18.87
19.25
21.32
22.83
20.51
21.48
20.62
27.07
21.32
21.40
58
3.61
EPS$
4.82
4.45
4.83
4.34
4.62
4.49
4.31
4.15
3.81
3.39
3.88
(6.00%)
(3.59%)
—
12.88
EPS growth%
2.23
2.42
0.40
0.40
2.14
3.95
6.83
6.32
7.12
5.82
29.28
6.32
3.18
51
4.25
Bookvalue per sh$
4.81
4.72
4.53
5.28
5.68
5.99
6.00
6.83
6.68
7.20
1.18
4.83%
5.43%
—
0.74
TBV/sh$
1.06
1.10
0.94
0.82
0.83
0.81
0.71
0.71
0.68
0.71
4.30
(3.10%)
(4.71%)
—
0.65
Dividend per sh$
3.48
3.83
4.31
4.26
4.15
4.33
4.14
4.37
4.75
5.28
3.80
4.92%
5.06%
—
29.48
Div yield (avg)%
14.14
13.30
10.78
12.86
11.16
10.99
13.40
14.15
12.70
12.28
22.75
12.70
12.78
35
19.41
Payout ratio%
2.47
0.42
0.40
1.35
0.93
2.50
2.05
3.90
5.81
6.58
16.57
3.90
2.26
74
11.14
Shares (diluted)M
11.82
11.08
12.16
12.39
12.35
12.62
12.46
12.47
13.98
13.62
10.94
1.99%
2.05%
9
18.78
Buyback yield%
1.69
1.72
3.69
0.88
3.10
1.05
3.51
5.82
8.08
10.34
3.02
5.82
3.31
79
60.88
Eq/Assets%
111.51
119.18
101.49
89.63
76.60
80.23
70.54
67.14
58.81
56.64
109.20
67.14
78.42
88
9.780
Assets$M
204.3
213.7
230.8
264.0
282.2
325.1
362.4
388.1
428.3
466.9
94.03
10.60%
9.91%
19
23.16
LT debt$M
122.9
120.0
142.2
151.0
178.3
169.5
161.6
172.0
176.3
183.7
36.02
0.60%
5.61%
57
Total assets
$466.9M
9.91%
1.78×
Revenue
$96.97M
3.77%
1.00×
Non-interest expense
$50.21M
3.79%
1.00×
Net interest income
69.96%
Non-interest income
30.04%