78.93
Revenue$M
46.61
51.63
55.69
60.03
65.22
71.08
78.51
85.66
93.87
100.2
88.26
8.98%
9.07%
28
19.64
Revenue growth%
27.01
29.71
31.59
32.38
32.40
32.91
32.41
32.32
30.17
31.37
6.66
32.32
31.96
40
4.32
NIM%
5.25
6.05
8.04
9.48
8.88
10.81
13.19
12.31
12.92
15.67
24.48
12.92
10.15
19
27.23
Effic. R.%
4.57
6.66
5.89
8.14
5.59
7.81
6.99
8.13
8.82
5.93
3.96
7.81
6.83
92
18.69
Net margin%
32.13
33.45
35.03
34.44
33.41
35.69
35.72
32.85
34.18
34.27
26.59
34.27
34.23
65
25.70
P/E ratio (avg)x
12.04
12.38
13.80
15.27
15.59
18.07
17.59
20.70
21.50
23.06
13.02
20.70
16.59
93
6.117
P/TBVx
18.26
17.85
18.35
17.69
18.41
20.27
21.76
21.23
23.02
22.94
19.82
21.76
19.34
30
28.39
P/Bx
26.99
29.63
31.35
33.27
35.81
37.09
40.83
47.66
45.37
50.31
22.42
45.37
36.45
29
33.89
NII$M
35.37
38.42
42.42
44.83
49.00
52.91
59.21
64.78
71.18
75.17
28.28
8.93%
9.07%
—
10.20
NII grth%
30.84
30.79
31.67
29.57
32.11
31.08
28.24
27.49
28.49
26.30
8.84
28.24
30.18
80
9.39
ROTE%
7.56
10.46
11.37
10.81
11.42
11.08
10.29
13.05
14.92
12.90
6.15
12.90
11.22
36
10.25
Return on equity%
9.10
7.78
5.67
4.78
5.15
3.62
2.87
3.19
1.94
0.40
6.06
2.87
4.20
90
17.97
Return on assets%
16.29
14.89
13.70
12.68
11.87
12.39
10.43
9.22
7.33
4.62
9.25
9.22
12.13
27
0.69
EPS$
0.59
0.60
0.61
0.57
0.56
0.55
0.55
0.52
0.56
0.58
0.77
0.58%
(0.43%)
—
21.07
EPS growth%
18.78
18.20
16.17
16.38
16.64
18.52
17.58
18.88
20.02
22.35
29.83
18.88
18.36
61
2.15
Bookvalue per sh$
2.90
3.00
3.22
3.55
3.85
3.94
4.35
4.45
4.75
4.54
0.87
3.37%
3.98%
—
1.08
TBV/sh$
0.91
0.95
0.89
0.92
0.96
1.02
0.92
0.84
0.81
0.76
0.68
(4.57%)
(2.86%)
—
1.31
Dividend per sh$
1.39
1.24
1.22
1.35
1.36
1.39
1.24
1.11
1.21
1.23
1.77
(1.96%)
(0.79%)
—
25.32
Div yield (avg)%
6.47
3.72
0.94
0.84
0.40
0.80
0.40
3.36
4.22
4.09
10.83
3.36
2.15
53
28.84
Payout ratio%
7.68
9.67
7.69
4.77
6.03
8.68
9.19
8.86
10.89
8.81
8.95
8.86
8.75
30
23.68
Shares (diluted)M
23.72
20.84
22.36
23.68
24.47
26.64
29.06
29.46
29.07
28.01
23.76
2.74%
2.07%
31
18.11
Buyback yield%
9.80
10.38
7.74
7.98
5.03
4.55
5.51
4.44
5.83
7.38
5.99
5.51
6.60
27
108.20
Eq/Assets%
95.32
103.39
110.41
117.87
111.31
110.81
103.16
104.87
100.48
115.23
36.83
104.87
107.64
54
20.60
Assets$M
143.1
152.7
159.1
172.1
184.1
199.1
219.0
235.2
257.4
294.0
22.18
9.81%
8.20%
10
82.69
LT debt$M
24.05
21.78
22.11
22.39
22.05
24.58
22.05
22.20
22.61
23.18
67.49
1.01%
0.17%
28
Total assets
$294.0M
8.20%
0.92×
Revenue
$100.2M
9.07%
1.00×
Non-interest expense
$46.31M
8.75%
0.97×
Net interest income
74.98%
Non-interest income
25.02%