8.201
Revenue$M
88.32
91.50
96.45
98.69
104.6
109.2
113.2
120.7
123.6
128.7
8.822
4.23%
4.28%
91
27.19
Revenue growth%
1.44
3.55
3.49
5.59
5.20
3.77
6.33
6.15
5.19
4.41
18.76
5.19
4.80
62
6.35
NIM%
18.20
16.73
17.78
16.46
16.67
19.18
18.38
17.12
18.38
16.08
22.50
18.38
17.45
59
11.66
Effic. R.%
0.88
1.47
2.08
0.52
0.40
0.40
0.74
2.41
0.40
0.40
11.69
0.40
0.63
81
15.45
Net margin%
8.27
9.23
6.54
8.11
9.49
7.82
5.07
3.58
1.26
0.82
21.50
3.58
7.18
78
26.22
P/E ratio (avg)x
25.76
24.89
26.74
25.43
24.53
24.10
23.14
25.55
25.94
25.35
7.815
25.35
25.39
31
26.14
P/TBVx
31.81
32.07
29.45
32.15
27.82
29.02
26.15
27.32
27.50
28.82
32.58
27.50
28.92
19
16.13
P/Bx
18.56
17.45
20.25
23.46
22.80
25.59
28.00
31.47
29.53
32.82
22.61
29.53
24.52
61
87.27
NII$M
55.64
58.44
62.20
63.14
67.17
70.10
71.58
77.21
78.83
81.34
50.76
3.90%
4.19%
—
27.42
NII grth%
12.47
14.99
13.09
11.82
9.05
9.67
9.50
9.96
11.27
9.02
13.66
9.67
10.62
43
14.50
ROTE%
8.39
5.74
6.43
4.80
4.52
1.79
3.56
5.32
8.29
9.23
5.39
5.32
5.53
45
28.98
Return on equity%
17.69
15.33
12.95
13.05
13.58
15.76
15.07
13.40
13.34
16.13
24.19
15.07
14.32
58
25.89
Return on assets%
34.60
32.44
35.02
34.82
37.72
39.30
40.93
43.24
43.10
45.03
24.60
43.10
38.51
90
2.81
EPS$
11.48
13.74
14.30
14.65
16.20
19.04
21.18
22.63
24.86
27.53
2.91
11.19%
9.85%
—
4.08
EPS growth%
30.92
30.23
27.87
30.50
31.75
29.43
27.88
28.29
30.43
32.23
12.60
29.43
30.33
86
2.01
Bookvalue per sh$
8.79
7.94
7.57
7.89
8.50
9.28
9.93
10.61
9.54
9.54
6.89
2.33%
0.50%
—
6.33
TBV/sh$
12.20
14.84
17.22
18.57
20.89
22.19
21.77
26.30
28.45
29.32
2.06
7.02%
9.53%
—
1.63
Dividend per sh$
5.00
5.18
5.50
5.26
5.40
5.51
6.05
6.56
6.47
6.07
9.14
2.36%
2.48%
—
19.87
Div yield (avg)%
15.26
12.62
14.60
12.39
14.06
16.72
18.74
20.56
22.10
22.61
12.20
20.56
15.99
16
14.79
Payout ratio%
16.89
19.46
20.17
21.67
23.86
24.11
22.42
25.41
26.72
25.40
18.99
25.40
23.14
16
9.765
Shares (diluted)M
13.70
15.40
14.57
14.79
15.04
13.65
14.59
15.93
14.82
14.53
9.950
(0.70%)
0.71%
57
19.20
Buyback yield%
20.93
23.43
25.40
22.70
21.87
23.78
25.98
26.90
25.40
24.83
24.17
25.40
24.30
44
35.20
Eq/Assets%
208.16
204.74
198.76
222.38
212.29
195.24
187.48
183.22
166.51
162.07
77.86
183.22
197.00
70
93.43
Assets$M
375.9
397.4
422.7
469.5
503.6
559.8
604.9
678.5
724.4
791.5
105.0
9.46%
8.50%
29
102.5
LT debt$M
126.6
120.6
131.9
127.7
130.0
129.9
122.9
117.3
134.6
153.9
71.05
3.44%
2.18%
48
Total assets
$791.5M
8.50%
1.49×
Revenue
$128.7M
4.28%
1.00×
Non-interest expense
$79.49M
4.41%
1.01×
Net interest income
63.18%
Non-interest income
36.82%