89.72
Revenue$M
116.5
114.7
116.9
115.6
114.8
114.7
117.6
118.0
121.0
120.9
98.76
1.03%
0.44%
79
19.06
Revenue growth%
8.48
11.33
12.02
10.55
8.30
10.84
8.15
9.34
8.22
8.31
3.26
8.31
8.91
13
17.51
NIM%
0.40
0.40
0.40
0.40
1.50
0.68
0.40
0.40
1.08
3.41
23.11
0.68
0.40
10
11.92
Effic. R.%
2.17
3.78
5.78
5.86
3.20
6.12
8.71
10.73
9.73
8.55
7.72
8.71
5.99
70
26.72
Net margin%
12.40
14.36
14.54
14.13
13.08
10.09
12.07
9.22
7.25
7.89
22.03
9.22
12.23
36
36.59
P/E ratio (avg)x
35.56
37.05
41.19
38.71
38.73
39.86
41.94
46.44
45.26
43.85
35.02
43.85
40.52
51
21.52
P/TBVx
23.29
21.10
20.56
21.60
22.08
21.54
23.79
22.84
20.43
19.76
21.37
21.54
21.57
20
10.30
P/Bx
44.22
44.78
44.03
44.85
42.86
46.13
45.89
45.47
45.68
52.06
12.72
45.89
45.16
45
27.70
NII$M
75.14
75.71
75.59
74.65
74.56
74.40
76.15
77.57
78.10
77.87
109.1
0.87%
0.43%
—
2.35
NII grth%
20.13
22.06
23.28
24.34
21.74
19.02
16.11
14.36
14.86
13.73
18.40
14.86
19.57
89
7.91
ROTE%
28.01
27.70
30.43
33.11
30.77
28.79
27.72
25.68
27.86
24.99
19.94
27.72
27.93
58
21.87
Return on equity%
39.61
41.68
40.41
40.52
43.13
42.62
45.28
44.03
46.92
47.45
23.42
45.28
42.88
48
17.25
Return on assets%
21.05
18.41
18.99
16.70
17.58
15.96
13.67
16.11
18.64
21.00
7.74
16.11
17.99
47
1.40
EPS$
0.45
0.48
0.50
0.52
0.50
0.57
0.66
0.68
0.72
0.78
1.49
9.08%
7.17%
—
18.69
EPS growth%
6.89
8.42
8.31
5.45
5.90
6.41
8.05
8.28
7.93
8.64
5.70
8.05
7.99
34
1.64
Bookvalue per sh$
1.51
1.29
1.29
1.33
1.15
1.01
0.96
0.90
0.84
0.81
1.31
(6.70%)
(5.89%)
—
0.73
TBV/sh$
0.46
0.50
0.54
0.55
0.51
0.49
0.46
0.48
0.46
0.48
1.60
(1.01%)
(0.26%)
—
0.96
Dividend per sh$
2.16
2.48
2.45
2.52
2.67
2.82
3.18
3.42
3.31
3.22
1.47
3.85%
4.51%
—
4.26
Div yield (avg)%
14.21
15.37
13.16
14.95
15.66
13.26
11.86
10.89
13.34
14.51
8.01
13.26
13.78
80
14.88
Payout ratio%
15.60
14.68
12.93
13.27
15.31
15.86
13.98
15.01
15.78
17.63
2.66
15.78
15.16
54
17.12
Shares (diluted)M
14.03
14.57
15.17
14.37
14.87
15.69
14.94
13.67
14.06
12.67
16.95
(3.15%)
(1.95%)
7
10.45
Buyback yield%
30.16
32.76
32.60
34.67
33.08
36.07
37.02
35.63
36.15
38.13
25.34
36.15
35.15
44
118.03
Eq/Assets%
259.12
287.29
332.05
327.14
381.90
382.92
386.16
446.11
461.11
534.76
55.73
446.11
382.41
63
95.56
Assets$M
349.8
394.1
413.3
460.5
500.0
544.3
570.1
618.3
665.0
727.3
17.19
7.78%
8.46%
42
58.59
LT debt$M
222.9
248.2
254.5
270.5
279.7
295.8
347.3
409.0
418.4
400.3
49.81
7.43%
6.74%
85
Total assets
$727.3M
8.46%
2.16×
Revenue
$120.9M
0.44%
1.00×
Non-interest expense
$56.60M
0.35%
0.99×
Net interest income
64.42%
Non-interest income
35.58%