39.56
Revenue$M
63.66
64.10
66.03
67.96
67.76
68.91
68.21
67.94
69.89
70.69
41.55
0.85%
0.96%
21
19.31
Revenue growth%
21.18
23.58
25.59
22.65
24.23
23.86
21.07
21.95
22.95
20.32
17.56
21.95
22.80
81
13.55
NIM%
10.98
11.17
10.86
13.52
12.95
10.79
10.79
13.09
15.44
13.37
24.92
13.09
12.06
19
27.02
Effic. R.%
17.75
20.37
23.11
24.64
21.75
20.35
22.18
24.08
25.99
24.28
5.34
24.08
22.65
83
3.58
Net margin%
36.78
33.92
32.09
31.20
32.79
31.19
32.48
30.27
33.10
33.79
14.03
32.48
32.63
32
13.24
P/E ratio (avg)x
23.37
21.25
18.84
19.66
16.75
16.71
17.10
18.27
17.32
15.17
13.07
17.10
17.79
42
19.67
P/TBVx
30.64
31.67
30.91
31.06
29.03
26.89
29.24
29.78
27.81
25.09
19.38
27.81
29.51
87
16.06
P/Bx
15.38
14.94
15.29
16.01
14.79
16.49
18.46
16.45
15.12
13.72
8.400
16.45
15.33
79
61.21
NII$M
50.39
50.89
52.41
53.06
53.48
53.74
54.22
53.53
54.69
55.84
63.04
0.87%
0.90%
—
4.09
NII grth%
15.98
17.57
19.91
19.86
19.83
22.40
21.15
18.77
17.24
18.01
4.46
18.77
19.30
84
10.57
ROTE%
8.90
9.08
8.15
10.81
10.00
7.58
6.34
7.85
6.80
9.66
5.54
7.58
8.52
91
2.18
Return on equity%
7.33
7.51
7.63
5.41
8.18
10.66
13.22
10.34
12.06
10.18
5.06
10.66
9.18
92
7.05
Return on assets%
22.03
20.66
22.49
21.95
20.62
18.60
16.91
15.60
17.88
20.36
22.63
17.88
20.49
64
4.17
EPS$
4.88
4.35
4.10
4.17
4.21
3.99
3.58
3.51
3.47
3.50
4.29
(3.63%)
(2.74%)
—
20.09
EPS growth%
4.04
2.93
5.06
5.33
2.83
3.98
2.02
3.39
1.49
4.05
17.73
3.39
3.69
84
4.20
Bookvalue per sh$
5.14
5.72
5.38
6.22
6.26
6.58
6.86
6.93
6.67
6.25
5.67
(0.04%)
1.86%
—
5.85
TBV/sh$
2.10
2.00
1.91
1.98
1.91
1.93
1.96
1.96
1.87
1.74
1.65
(1.82%)
(0.74%)
—
5.72
Dividend per sh$
1.57
1.66
1.86
1.83
1.71
1.77
1.89
1.95
2.08
2.19
4.23
5.04%
4.53%
—
25.59
Div yield (avg)%
3.76
2.47
3.55
4.68
6.23
7.96
10.51
13.01
14.20
14.42
10.91
13.01
7.10
54
15.67
Payout ratio%
8.15
10.52
8.77
6.18
5.26
7.14
9.62
11.74
12.15
12.37
15.03
11.74
9.20
84
4.786
Shares (diluted)M
8.403
9.021
9.409
9.381
10.85
10.48
10.55
12.06
14.25
14.34
4.663
5.73%
6.39%
44
15.12
Buyback yield%
22.92
22.91
22.22
20.55
23.30
21.39
20.26
22.35
21.80
20.32
29.69
21.39
22.01
51
71.72
Eq/Assets%
81.87
71.02
63.57
62.14
63.40
59.84
62.71
61.90
65.49
57.13
65.16
61.90
63.06
28
17.86
Assets$M
298.9
320.2
341.8
386.9
433.2
469.9
509.3
550.2
601.2
633.4
46.07
7.89%
8.77%
52
38.82
LT debt$M
10.86
9.917
8.709
9.546
10.27
10.07
8.750
8.575
7.486
6.541
43.81
(8.62%)
(4.43%)
50
Total assets
$633.4M
8.77%
2.11×
Revenue
$70.69M
0.96%
1.00×
Non-interest expense
$42.77M
1.16%
1.02×
Net interest income
78.98%
Non-interest income
21.02%