60.22
Revenue$M
171.3
172.5
177.2
175.2
179.2
184.4
188.5
194.5
193.4
197.0
64.25
1.91%
1.70%
82
16.62
Revenue growth%
13.88
11.69
9.16
10.00
9.06
7.50
6.40
8.50
10.84
11.66
19.65
8.50
9.58
21
5.17
NIM%
0.40
2.45
0.96
2.41
0.94
1.54
3.12
2.00
0.40
0.40
20.12
1.54
1.25
87
25.04
Effic. R.%
6.26
5.78
3.42
4.16
1.99
0.62
3.48
3.74
5.32
6.78
24.78
3.74
3.95
44
22.14
Net margin%
25.15
27.74
25.00
23.60
21.20
20.58
21.78
20.96
21.87
21.70
9.04
21.70
21.83
83
23.54
P/E ratio (avg)x
32.03
34.22
35.73
40.53
40.83
43.05
45.00
48.23
54.77
61.79
15.54
48.23
41.94
75
35.77
P/TBVx
17.96
18.96
20.62
23.23
24.11
23.86
24.10
22.32
25.25
27.45
37.78
24.10
23.55
33
37.91
P/Bx
37.49
35.80
35.94
38.78
39.68
40.64
44.38
47.66
55.90
65.19
9.225
47.66
40.16
7
55.86
NII$M
95.64
97.24
98.38
97.77
100.3
102.3
105.5
110.8
108.5
109.8
121.4
1.83%
1.55%
—
16.71
NII grth%
19.51
18.70
18.71
20.06
20.02
20.65
20.63
21.72
19.06
16.92
19.02
20.63
19.76
24
29.63
ROTE%
18.68
16.86
14.41
15.83
14.63
11.79
10.08
8.45
10.98
10.31
22.46
10.31
13.10
88
4.43
Return on equity%
0.40
0.61
0.40
0.41
0.40
0.40
1.52
3.63
1.55
4.24
26.62
1.55
0.51
50
17.72
Return on assets%
20.01
21.34
22.24
24.74
22.46
24.90
27.45
29.35
29.99
27.57
14.93
27.57
24.82
48
3.88
EPS$
6.66
6.72
7.87
8.65
9.50
10.58
10.78
11.19
12.18
13.38
4.16
7.09%
7.97%
—
13.42
EPS growth%
30.45
31.22
33.93
32.60
32.60
32.47
31.73
33.52
35.46
38.45
29.81
33.52
32.60
78
2.91
Bookvalue per sh$
6.55
6.15
6.37
6.99
6.44
6.83
6.76
6.16
6.94
6.56
4.20
0.38%
(0.72%)
—
3.37
TBV/sh$
4.69
5.12
5.44
5.69
6.50
6.49
6.05
6.24
6.35
5.95
5.94
(1.76%)
2.03%
—
5.84
Dividend per sh$
2.08
2.27
2.45
2.48
2.35
2.48
2.34
2.23
2.37
2.17
2.68
(1.59%)
0.56%
—
22.22
Div yield (avg)%
2.83
0.84
1.65
0.40
0.44
0.40
0.40
0.40
0.40
1.90
6.78
0.40
0.42
71
18.21
Payout ratio%
6.72
8.50
7.08
6.04
7.06
7.69
10.35
7.87
7.39
9.99
29.64
7.87
7.54
49
13.83
Shares (diluted)M
14.18
16.13
16.29
16.11
16.35
18.23
18.85
18.11
18.15
17.24
13.62
1.07%
3.03%
30
6.19
Buyback yield%
30.82
29.39
26.70
26.05
28.35
31.15
29.69
31.21
29.87
28.25
16.93
29.87
29.54
79
143.14
Eq/Assets%
73.44
75.44
70.93
71.07
67.11
70.17
76.01
69.02
71.59
72.19
90.15
71.59
71.33
59
61.07
Assets$M
234.6
260.8
278.6
313.6
334.7
370.8
388.6
413.6
456.5
498.9
37.55
8.31%
8.36%
20
133.3
LT debt$M
124.0
123.0
147.3
171.5
184.5
188.9
196.3
206.3
203.2
224.8
57.16
4.03%
7.34%
14
Total assets
$498.9M
8.36%
1.89×
Revenue
$197.0M
1.70%
1.00×
Non-interest expense
$117.0M
1.73%
1.00×
Net interest income
55.73%
Non-interest income
44.27%