108.2
Revenue$M
90.22
93.45
99.22
106.7
115.1
123.1
127.3
132.9
141.3
147.2
119.7
5.05%
5.43%
14
9.17
Revenue growth%
9.67
10.34
8.62
10.67
13.66
14.17
15.93
17.40
17.93
18.52
12.73
17.40
13.91
57
7.10
NIM%
17.41
20.25
17.68
18.90
17.78
15.65
17.22
15.34
14.36
16.39
27.92
15.65
17.31
35
21.99
Effic. R.%
13.54
15.21
13.24
11.66
14.13
13.42
12.04
9.57
10.12
9.27
27.20
10.12
12.64
55
15.08
Net margin%
2.93
4.32
4.96
4.04
5.76
8.02
6.74
8.23
5.62
6.57
14.56
6.74
5.69
41
35.49
P/E ratio (avg)x
49.99
49.65
50.17
55.72
57.30
55.23
56.42
62.33
66.91
67.74
26.46
62.33
56.07
11
20.26
P/TBVx
36.63
39.65
35.83
35.90
37.46
40.46
41.45
44.88
45.57
48.66
16.18
44.88
40.06
67
30.02
P/Bx
29.59
27.18
23.94
23.87
21.11
23.02
20.33
20.77
21.71
24.14
35.83
21.71
23.44
27
92.06
NII$M
65.81
68.12
73.24
77.90
85.40
91.19
94.79
98.13
105.4
108.8
14.36
4.96%
5.33%
—
6.15
NII grth%
14.15
11.91
10.73
9.36
12.32
11.58
9.06
10.04
7.75
10.68
23.68
10.04
10.70
18
17.80
ROTE%
5.29
6.67
6.27
8.75
6.65
6.59
9.33
11.89
12.06
9.18
26.06
9.33
7.71
15
3.60
Return on equity%
13.96
16.78
19.55
18.23
18.99
16.61
16.17
14.36
15.19
13.28
22.40
15.19
16.39
93
14.03
Return on assets%
10.30
9.75
11.20
8.60
10.85
10.77
13.07
12.25
14.55
16.70
3.59
13.07
11.02
41
4.09
EPS$
6.48
6.22
5.58
5.28
4.74
5.10
4.55
5.03
5.23
4.86
4.40
0.48%
(1.89%)
—
20.69
EPS growth%
29.93
30.20
30.96
30.14
28.69
26.89
26.14
24.99
27.89
28.69
4.69
26.89
28.69
26
6.77
Bookvalue per sh$
4.87
5.22
5.18
6.20
6.78
7.48
8.94
10.32
10.36
12.04
2.39
12.17%
9.23%
—
3.57
TBV/sh$
9.96
12.11
13.89
14.67
17.62
20.23
20.56
22.04
22.95
27.36
6.77
9.21%
11.76%
—
6.87
Dividend per sh$
3.67
3.83
3.39
3.48
3.54
3.26
3.11
2.87
2.67
2.37
5.77
(7.72%)
(5.79%)
—
25.55
Div yield (avg)%
24.46
21.78
20.20
18.64
18.80
17.50
15.33
12.65
13.11
15.80
14.83
15.33
18.07
64
19.08
Payout ratio%
27.66
25.36
23.99
26.19
24.68
26.43
27.00
29.18
28.89
29.78
17.87
28.89
26.72
69
13.16
Shares (diluted)M
14.12
14.09
14.27
14.86
15.61
14.25
13.71
13.38
11.87
11.39
13.09
(6.11%)
(1.68%)
23
3.82
Buyback yield%
4.48
3.08
2.96
0.98
1.00
0.40
0.40
2.29
3.84
5.78
6.86
2.29
2.62
37
91.87
Eq/Assets%
118.00
119.92
134.90
140.09
158.08
162.68
183.44
196.61
195.84
190.74
168.76
190.74
160.38
9
106.1
Assets$M
435.1
463.8
509.0
556.1
587.7
636.6
684.1
737.6
799.9
859.7
104.0
7.90%
7.55%
95
95.36
LT debt$M
94.32
111.9
121.7
136.5
151.5
166.1
175.2
207.2
245.0
264.7
20.26
11.81%
12.04%
41
Total assets
$859.7M
7.55%
1.22×
Revenue
$147.2M
5.43%
1.00×
Non-interest expense
$90.27M
5.66%
1.02×
Net interest income
73.87%
Non-interest income
26.13%