28.17
Revenue$M
116.3
123.1
130.9
139.6
146.5
156.4
160.5
168.3
175.2
182.9
30.41
4.55%
4.87%
92
25.62
Revenue growth%
7.97
5.67
5.49
3.62
1.96
4.22
6.11
6.21
5.85
3.19
15.83
5.85
5.58
57
7.09
NIM%
14.76
15.39
13.45
13.40
13.53
15.08
15.19
14.66
12.35
13.97
17.07
14.66
14.31
92
10.50
Effic. R.%
6.03
5.22
4.21
5.48
5.30
7.01
6.78
8.94
9.39
10.06
11.82
8.94
6.40
62
13.04
Net margin%
29.12
27.89
29.96
27.02
24.60
26.43
29.08
29.49
31.59
30.30
28.17
29.49
29.10
32
29.78
P/E ratio (avg)x
12.82
12.05
11.58
12.08
12.51
13.98
14.86
15.69
16.38
17.10
16.94
15.69
13.40
74
25.88
P/TBVx
17.46
18.26
19.76
19.58
21.54
24.48
27.91
28.99
30.57
31.28
25.58
28.99
23.01
31
37.88
P/Bx
25.24
24.77
25.12
24.08
27.30
31.23
33.76
38.64
37.15
35.90
18.16
35.90
29.26
24
133.2
NII$M
80.64
85.97
89.54
95.95
99.99
109.4
112.1
116.2
122.9
125.6
57.65
4.66%
4.85%
—
2.33
NII grth%
12.05
9.49
6.77
5.10
7.82
10.67
13.17
13.01
13.01
14.13
11.42
13.01
11.36
76
13.74
ROTE%
13.73
15.20
15.31
14.02
12.55
14.24
13.74
11.24
13.46
12.66
17.65
13.46
13.73
28
5.42
Return on equity%
4.10
2.79
5.16
4.21
6.41
8.90
8.55
7.71
5.12
7.43
28.75
7.71
5.79
44
5.96
Return on assets%
22.38
19.75
21.49
23.87
23.59
25.13
26.15
28.05
25.53
25.58
4.09
25.58
24.50
14
4.09
EPS$
4.47
4.68
5.05
4.77
4.91
5.24
4.88
5.23
5.11
5.30
4.28
1.56%
2.04%
—
3.38
EPS growth%
26.00
25.12
25.90
28.29
28.81
30.08
32.78
31.37
29.81
31.22
22.31
31.22
29.31
85
1.08
Bookvalue per sh$
0.73
0.74
0.64
0.61
0.65
0.68
0.73
0.79
0.83
0.89
3.09
6.42%
1.58%
—
2.50
TBV/sh$
1.71
1.52
1.42
1.44
1.36
1.30
1.15
1.08
1.15
1.21
4.20
(2.29%)
(3.19%)
—
2.81
Dividend per sh$
0.99
1.17
1.21
1.40
1.42
1.36
1.52
1.66
1.57
1.83
1.51
5.29%
5.82%
—
22.27
Div yield (avg)%
1.09
3.96
3.39
0.42
2.11
0.40
0.40
0.40
0.40
3.19
9.70
0.40
0.75
26
25.15
Payout ratio%
22.45
24.90
23.53
23.48
21.39
20.50
18.19
17.28
15.34
15.47
26.52
17.28
20.95
30
19.40
Shares (diluted)M
21.31
24.03
21.53
19.49
17.77
15.91
14.36
13.27
13.19
14.25
19.37
(4.32%)
(4.24%)
36
15.14
Buyback yield%
32.86
31.02
28.50
26.89
24.10
25.46
26.52
27.01
26.41
27.77
3.29
26.52
26.95
50
55.52
Eq/Assets%
28.68
28.04
32.53
35.54
36.04
35.94
36.05
39.76
39.45
39.19
96.35
39.19
35.99
36
93.70
Assets$M
41.96
45.80
49.83
55.03
61.34
65.88
73.44
80.64
87.00
93.64
107.0
8.83%
8.91%
21
47.49
LT debt$M
197.9
228.3
257.9
292.7
285.7
308.3
335.3
339.3
392.6
449.2
132.6
9.47%
9.63%
80
Total assets
$93.64M
8.91%
1.46×
Revenue
$182.9M
4.87%
1.00×
Non-interest expense
$110.8M
4.89%
1.00×
Net interest income
68.65%
Non-interest income
31.35%
Return on capital
127.39%