175.6
Revenue$M
113.0
123.3
137.4
149.6
162.3
176.7
188.0
209.4
227.5
249.9
194.9
9.02%
9.28%
45
2.15
Revenue growth%
26.87
29.79
32.15
29.98
28.83
28.78
26.98
26.78
26.41
23.76
12.77
26.78
27.88
44
23.26
NIM%
9.19
7.62
4.92
3.60
6.02
4.86
2.97
5.04
3.97
1.26
3.25
3.97
4.89
23
15.45
Effic. R.%
30.03
30.72
32.09
30.99
30.35
28.73
31.10
30.89
33.50
32.02
26.10
31.10
30.94
65
3.81
Net margin%
4.53
6.45
6.20
3.95
2.33
4.94
5.94
8.09
6.54
8.00
15.56
6.54
6.07
45
28.71
P/E ratio (avg)x
33.33
35.91
40.82
46.35
54.08
60.52
65.38
63.69
62.25
72.97
35.11
63.69
57.30
43
35.58
P/TBVx
15.59
18.18
21.60
25.55
26.03
25.55
27.54
31.87
32.59
33.84
7.811
31.87
25.79
72
35.75
P/Bx
9.274
9.809
10.29
11.62
13.46
15.12
15.58
17.66
19.81
20.70
10.88
17.66
14.29
56
38.45
NII$M
80.31
89.05
98.86
106.7
116.7
126.9
134.1
150.0
164.5
178.6
215.5
8.88%
9.41%
—
9.75
NII grth%
20.15
18.40
18.94
20.86
19.50
17.71
16.69
15.09
17.50
19.88
26.64
17.50
18.67
74
16.12
ROTE%
14.04
11.98
13.24
14.49
11.66
12.87
11.33
9.87
12.67
14.44
18.06
12.67
12.77
71
26.09
Return on equity%
11.88
12.72
15.69
17.08
16.40
17.13
16.32
14.98
12.56
12.94
10.10
14.98
15.34
87
22.97
Return on assets%
9.13
9.89
10.18
7.58
9.33
11.72
8.77
8.24
11.19
8.26
16.59
8.77
9.23
62
9.51
EPS$
2.33
2.38
2.41
2.50
2.70
2.86
3.20
3.77
3.94
3.86
10.27
7.39%
5.43%
—
4.85
EPS growth%
35.24
34.41
33.27
31.37
29.64
27.69
30.16
30.64
31.01
31.77
15.09
30.64
31.19
13
3.08
Bookvalue per sh$
10.07
10.21
10.49
10.12
9.90
11.19
10.83
12.53
14.60
16.00
2.33
10.08%
5.24%
—
6.83
TBV/sh$
13.08
12.52
14.72
16.73
17.99
18.49
20.56
22.65
22.29
24.14
6.30
6.06%
7.62%
—
2.01
Dividend per sh$
11.24
10.50
11.21
10.47
11.87
12.14
13.52
15.46
16.04
14.62
9.09
4.26%
3.67%
—
29.57
Div yield (avg)%
17.36
18.84
21.83
22.89
20.84
19.23
19.45
19.60
16.91
15.48
11.07
19.23
19.34
86
18.05
Payout ratio%
20.18
17.21
15.03
15.83
16.66
18.12
18.21
18.02
15.09
16.58
13.33
18.02
16.93
29
5.768
Shares (diluted)M
5.070
5.419
5.113
5.103
4.717
4.335
4.270
4.244
4.049
4.060
5.851
(2.96%)
(2.55%)
16
18.44
Buyback yield%
17.15
19.96
19.88
17.86
18.96
20.68
18.40
20.74
23.15
25.17
24.48
20.74
19.92
64
94.64
Eq/Assets%
15.11
17.02
17.90
19.59
18.40
19.94
18.47
17.79
20.00
22.47
75.39
19.94
18.44
8
136.1
Assets$M
347.4
384.8
412.3
473.8
496.0
544.0
588.9
612.0
666.0
714.9
174.5
7.58%
8.29%
22
210.5
LT debt$M
183.6
202.1
189.2
177.2
182.1
179.1
166.1
152.1
164.9
152.3
60.20
(3.51%)
(2.54%)
76
Total assets
$714.9M
8.29%
0.91×
Revenue
$249.9M
9.28%
1.00×
Non-interest expense
$114.3M
9.18%
0.99×
Net interest income
71.46%
Non-interest income
28.54%