28.27
Revenue$M
113.7
118.2
125.0
134.4
138.8
143.9
148.7
153.5
164.6
172.0
31.35
4.38%
4.87%
66
25.74
Revenue growth%
22.89
24.87
27.85
25.71
28.23
27.68
29.10
30.79
32.16
30.47
3.22
30.47
28.04
71
18.50
NIM%
7.92
7.23
4.80
3.13
0.40
0.40
1.12
3.01
5.84
4.03
12.28
3.01
3.58
94
23.27
Effic. R.%
13.22
14.56
12.41
12.92
10.24
12.30
13.98
15.26
12.74
13.31
26.44
13.31
13.07
84
6.87
Net margin%
22.70
21.45
20.81
20.09
20.86
22.83
21.65
19.52
22.38
22.79
29.03
22.38
21.55
90
36.32
P/E ratio (avg)x
14.04
12.26
12.55
11.84
12.01
11.33
10.18
9.312
9.629
8.579
24.98
9.629
11.59
53
15.96
P/TBVx
38.21
36.79
41.64
42.06
44.24
44.23
42.82
47.80
46.56
46.46
36.22
46.46
43.53
45
8.870
P/Bx
11.73
10.46
10.88
9.482
8.888
8.008
8.639
9.001
9.432
10.08
22.60
9.001
9.457
61
101.9
NII$M
87.43
90.37
94.23
102.0
106.6
108.7
113.8
118.1
126.1
131.4
127.4
4.28%
5.05%
—
3.10
NII grth%
2.54
4.76
2.13
0.40
0.40
2.15
3.87
1.88
0.40
0.40
13.58
1.88
2.01
95
9.74
ROTE%
23.82
25.48
23.14
21.26
21.56
20.32
22.76
23.31
23.68
23.82
23.31
23.31
23.22
52
13.27
Return on equity%
22.61
25.16
26.38
27.78
25.71
27.35
24.75
26.89
25.93
23.24
27.10
25.93
25.82
73
25.18
Return on assets%
20.48
21.54
20.09
19.10
16.97
17.55
20.42
20.08
19.43
22.30
9.49
20.08
20.09
20
1.08
EPS$
2.91
3.06
3.38
3.17
3.07
3.06
2.84
3.19
3.56
3.89
1.19
4.86%
2.74%
—
3.90
EPS growth%
21.99
19.69
16.89
19.16
19.93
20.33
21.88
21.49
24.33
24.94
29.45
21.88
20.91
6
1.84
Bookvalue per sh$
3.52
3.91
4.42
4.54
4.47
4.22
4.64
5.11
5.95
6.03
3.29
6.14%
4.86%
—
4.03
TBV/sh$
1.10
1.31
1.38
1.63
1.76
1.98
2.14
2.18
2.27
2.33
2.85
5.69%
8.50%
—
0.73
Dividend per sh$
7.46
7.45
8.25
7.86
8.87
9.52
9.42
10.49
11.29
12.42
1.68
6.97%
6.82%
—
7.90
Div yield (avg)%
30.46
30.11
30.34
32.28
32.90
30.68
33.07
31.22
33.15
30.45
19.02
31.22
30.95
27
11.94
Payout ratio%
24.03
25.80
24.18
22.54
20.64
19.30
16.67
18.40
15.65
13.91
25.64
16.67
19.97
47
13.89
Shares (diluted)M
22.85
26.43
25.66
24.70
27.16
30.78
30.72
35.98
40.94
39.97
13.98
8.03%
7.03%
54
29.31
Buyback yield%
35.54
35.87
36.77
35.51
38.17
39.26
38.44
40.04
38.55
36.22
12.56
38.55
37.47
72
51.52
Eq/Assets%
21.91
20.38
19.14
20.12
21.13
22.52
20.36
21.64
20.73
21.25
150.56
21.25
20.93
35
29.72
Assets$M
302.5
337.8
350.8
398.6
428.7
470.9
519.1
573.7
607.2
661.0
33.11
9.05%
9.18%
56
35.67
LT debt$M
83.25
91.30
101.9
110.5
107.7
121.5
125.0
127.8
117.4
132.6
76.55
4.25%
5.54%
85
Total assets
$661.0M
9.18%
1.50×
Revenue
$172.0M
4.87%
1.00×
Non-interest expense
$97.20M
4.89%
1.00×
Net interest income
76.40%
Non-interest income
23.60%