96.82
Revenue$M
64.27
69.44
72.46
75.62
80.03
86.45
92.04
99.35
106.5
114.8
104.5
7.49%
6.64%
15
21.08
Revenue growth%
24.09
24.89
22.07
21.63
23.29
23.21
25.72
23.62
20.78
23.06
21.00
23.21
23.25
48
26.09
NIM%
9.76
12.33
12.94
13.76
15.03
15.71
16.84
17.85
15.06
17.52
3.43
16.84
15.05
60
20.10
Effic. R.%
12.23
10.24
9.17
10.11
8.24
10.40
7.75
9.68
12.32
14.69
17.50
10.40
10.17
70
26.29
Net margin%
8.28
6.32
3.85
4.38
3.89
2.99
1.91
0.40
1.43
2.36
8.33
1.91
3.42
81
15.29
P/E ratio (avg)x
15.58
15.34
16.95
19.97
23.44
24.88
29.69
32.70
33.24
39.76
33.99
32.70
24.16
67
28.54
P/TBVx
14.92
13.37
12.95
12.37
12.85
11.71
12.29
11.38
11.10
12.42
21.83
11.71
12.39
65
30.44
P/Bx
9.598
10.33
9.867
10.46
11.06
12.61
13.17
13.18
14.06
15.90
6.885
13.18
11.84
85
15.00
NII$M
39.74
42.81
45.20
46.47
49.80
53.26
57.34
61.31
64.59
69.51
20.17
6.90%
6.35%
—
23.28
NII grth%
9.20
8.23
8.77
10.58
10.18
7.51
5.65
7.43
6.82
6.47
28.13
6.82
7.87
79
11.16
ROTE%
12.31
12.95
14.39
13.65
16.40
16.16
14.03
12.79
11.23
9.50
9.01
12.79
13.30
48
19.71
Return on equity%
15.17
14.75
12.88
13.30
15.10
12.41
9.41
9.45
10.54
12.72
11.15
10.54
12.80
20
16.54
Return on assets%
0.40
0.40
0.40
2.17
4.83
6.15
6.72
8.86
7.79
8.79
24.54
7.79
5.49
37
2.69
EPS$
3.05
2.87
2.70
2.52
2.57
2.83
2.58
2.35
2.42
2.55
2.92
(0.14%)
(2.71%)
—
18.81
EPS growth%
18.92
20.58
19.61
17.05
17.48
15.24
15.97
14.77
13.49
14.88
7.18
14.88
16.51
83
3.88
Bookvalue per sh$
5.28
5.43
6.01
6.50
6.09
6.69
6.41
7.01
7.64
7.92
1.09
5.40%
4.35%
—
4.01
TBV/sh$
1.47
1.25
1.18
1.27
1.29
1.27
1.17
1.21
1.23
1.07
5.24
(3.63%)
(3.79%)
—
0.93
Dividend per sh$
2.56
2.42
2.13
1.92
1.96
2.06
2.19
2.03
1.92
2.03
5.19
0.74%
(2.69%)
—
17.46
Div yield (avg)%
16.43
16.15
17.00
19.06
20.68
19.23
17.92
18.77
17.42
19.82
20.40
18.77
18.35
82
26.09
Payout ratio%
12.84
15.50
13.31
10.51
9.34
10.90
8.15
10.47
9.28
6.45
10.31
9.28
10.49
40
6.084
Shares (diluted)M
7.451
7.990
8.118
8.556
8.102
9.485
11.07
10.93
12.43
13.43
6.291
10.63%
6.19%
14
22.93
Buyback yield%
25.63
26.60
27.01
28.39
29.99
30.25
30.10
32.37
30.69
30.33
8.37
30.33
30.04
40
69.34
Eq/Assets%
301.09
288.88
301.98
324.57
327.48
346.46
330.99
372.51
392.30
411.01
43.94
372.51
329.24
36
91.44
Assets$M
355.2
389.6
415.1
440.5
476.5
519.7
591.5
624.2
703.6
794.6
52.19
10.77%
8.78%
38
63.66
LT debt$M
127.2
111.5
116.9
121.6
109.2
107.6
117.0
100.7
97.02
92.08
18.19
(3.36%)
(2.44%)
37
Total assets
$794.6M
8.78%
1.22×
Revenue
$114.8M
6.64%
1.00×
Non-interest expense
$61.30M
6.66%
1.00×
Net interest income
60.53%
Non-interest income
39.47%