61.28
Revenue$M
55.16
57.91
60.79
64.02
68.84
73.30
78.97
82.14
88.41
91.04
63.62
5.75%
5.48%
28
13.84
Revenue growth%
29.43
27.47
27.66
25.75
27.08
24.51
25.45
24.95
23.41
22.28
2.96
24.51
25.60
82
28.49
NIM%
5.08
2.40
4.51
7.27
7.57
10.07
8.06
10.88
8.74
10.19
9.40
10.07
7.81
94
22.22
Effic. R.%
16.83
19.63
20.98
18.58
19.51
18.19
19.14
20.17
20.51
18.33
15.14
19.14
19.32
25
18.20
Net margin%
37.24
38.15
39.96
37.09
36.19
34.28
32.23
30.00
31.00
32.65
23.12
32.23
35.24
17
17.88
P/E ratio (avg)x
13.06
11.95
11.73
11.53
10.79
11.52
11.21
9.715
10.63
9.521
12.41
10.63
11.37
13
35.57
P/TBVx
19.07
21.46
24.65
24.07
24.79
23.02
24.94
28.30
30.72
31.21
32.51
28.30
24.72
75
21.17
P/Bx
43.09
41.52
47.06
44.96
43.74
42.09
48.51
52.65
54.62
57.92
17.65
52.65
46.01
94
21.12
NII$M
34.36
35.54
37.99
40.09
43.58
45.08
49.27
50.70
54.65
56.33
45.83
5.26%
5.25%
—
8.94
NII grth%
34.58
31.76
34.65
36.75
34.73
35.90
34.72
34.36
33.74
35.67
16.57
34.72
34.69
83
11.90
ROTE%
15.05
12.16
11.36
13.89
16.20
14.48
12.98
10.79
9.55
9.79
16.63
10.79
12.57
88
14.97
Return on equity%
2.72
4.72
4.42
7.19
9.96
10.55
10.25
9.03
9.25
10.11
26.81
10.11
9.14
70
28.76
Return on assets%
22.17
23.67
20.82
22.74
20.87
22.18
19.78
18.75
17.85
15.58
28.04
18.75
20.84
64
0.46
EPS$
1.48
1.38
1.30
1.50
1.52
1.56
1.66
1.79
1.95
2.12
0.50
6.88%
4.90%
—
5.46
EPS growth%
1.68
0.40
0.51
0.40
0.65
0.54
0.40
1.10
0.40
1.45
19.31
0.54
0.53
80
1.04
Bookvalue per sh$
0.43
0.48
0.49
0.46
0.42
0.41
0.44
0.47
0.47
0.50
1.05
3.52%
1.52%
—
0.25
TBV/sh$
0.97
0.89
0.76
0.70
0.66
0.62
0.58
0.53
0.57
0.61
1.12
(1.71%)
(4.39%)
—
0.69
Dividend per sh$
1.42
1.65
1.53
1.62
1.58
1.79
1.69
1.82
1.75
1.77
1.37
2.23%
3.26%
—
9.26
Div yield (avg)%
11.14
11.39
11.65
13.52
14.17
12.87
14.10
12.21
15.02
17.81
28.35
14.10
13.20
89
16.69
Payout ratio%
27.66
27.62
29.44
26.71
24.20
26.44
25.31
24.13
26.17
24.29
12.77
25.31
26.30
87
16.44
Shares (diluted)M
11.94
12.04
11.62
11.02
10.94
9.282
9.982
8.675
7.533
7.377
16.12
(7.58%)
(4.04%)
23
21.32
Buyback yield%
4.52
3.30
5.54
5.00
4.80
7.02
6.48
4.78
4.19
4.15
3.46
4.78
4.79
34
131.49
Eq/Assets%
26.88
27.40
30.38
35.02
36.36
42.73
45.05
51.37
52.33
57.94
121.60
51.37
39.55
45
66.54
Assets$M
53.97
59.89
65.42
71.35
76.55
81.76
89.99
92.96
98.16
111.8
69.59
7.87%
8.11%
34
17.11
LT debt$M
15.47
15.11
17.40
16.91
18.58
19.08
22.50
24.46
24.91
25.06
71.59
6.16%
4.88%
88
Total assets
$111.8M
8.11%
1.28×
Revenue
$91.04M
5.48%
1.00×
Non-interest expense
$41.98M
5.50%
1.00×
Net interest income
61.87%
Non-interest income
38.13%