65.59
Revenue$M
93.26
97.40
100.1
103.6
108.0
114.2
120.2
126.5
129.9
139.0
70.68
5.17%
4.64%
48
25.00
Revenue growth%
26.46
26.67
25.01
23.15
21.78
19.96
17.17
15.55
13.07
11.91
2.93
15.55
20.87
8
24.50
NIM%
26.59
23.80
24.92
23.91
23.97
21.34
22.22
24.10
26.62
25.97
8.36
24.10
24.03
67
15.16
Effic. R.%
35.71
37.85
36.84
37.84
40.18
41.34
41.82
39.76
39.00
40.32
18.74
40.32
39.38
7
28.65
Net margin%
24.87
25.63
25.48
23.39
26.08
23.16
20.65
19.09
18.26
15.84
14.44
19.09
23.27
29
14.89
P/E ratio (avg)x
43.75
43.66
46.00
44.14
49.46
50.71
50.79
49.53
46.64
52.51
25.58
50.71
48.05
57
30.98
P/TBVx
28.80
27.29
25.61
22.76
24.26
22.87
21.76
24.46
25.28
26.16
9.910
24.46
24.87
94
37.53
P/Bx
10.59
11.49
12.29
11.94
11.91
10.54
9.527
9.908
9.172
9.222
18.17
9.527
10.56
13
59.41
NII$M
74.33
76.33
78.51
80.98
84.98
90.95
95.21
101.0
101.9
110.6
67.19
5.41%
4.63%
—
23.31
NII grth%
28.64
31.00
32.83
33.98
35.39
33.29
30.48
30.08
29.33
26.73
13.40
30.08
30.74
18
3.83
ROTE%
15.08
12.08
12.84
10.44
9.97
7.64
7.86
9.50
9.22
12.22
29.75
9.22
10.20
28
12.99
Return on equity%
25.23
25.92
25.82
28.31
29.52
28.99
30.46
28.42
28.72
31.59
20.20
28.99
28.57
23
28.31
Return on assets%
15.58
13.64
10.93
12.02
14.93
12.42
11.58
13.03
10.48
11.19
14.83
11.58
12.22
39
20.30
EPS$
28.53
32.39
35.82
38.82
45.46
42.77
45.84
45.34
51.17
50.82
20.87
2.26%
7.25%
—
8.75
EPS growth%
22.69
25.30
25.08
27.65
29.43
28.27
25.55
25.75
22.92
24.57
23.25
25.55
25.42
13
22.35
Bookvalue per sh$
22.72
23.42
21.91
22.18
24.20
27.97
27.12
30.16
33.27
34.65
19.40
7.45%
5.28%
—
11.58
TBV/sh$
13.62
15.39
16.46
19.41
21.23
25.54
26.60
26.00
28.95
29.16
11.91
6.55%
8.44%
—
14.70
Dividend per sh$
6.55
6.18
5.45
4.65
4.24
4.34
4.65
4.93
4.88
5.19
16.99
4.11%
(1.99%)
—
13.40
Div yield (avg)%
19.59
19.96
22.77
23.44
22.70
21.62
20.58
19.65
19.69
19.45
24.91
19.69
20.27
42
9.98
Payout ratio%
18.90
17.67
17.02
16.72
16.64
15.80
18.58
17.26
18.42
19.09
12.66
18.42
17.47
72
6.667
Shares (diluted)M
7.947
8.253
7.683
7.371
7.053
7.608
8.012
8.027
7.738
8.386
6.595
3.52%
1.56%
7
11.85
Buyback yield%
3.00
4.33
2.30
3.06
3.92
1.58
0.57
1.82
2.87
1.52
4.19
1.58
2.58
8
53.71
Eq/Assets%
145.14
158.53
161.38
176.91
163.64
157.92
178.17
166.74
157.48
172.06
147.99
166.74
162.51
6
21.73
Assets$M
255.4
275.3
303.2
332.6
357.4
391.3
424.8
458.6
484.9
538.7
81.10
8.55%
8.88%
89
116.6
LT debt$M
76.83
79.35
92.16
88.65
99.93
99.93
98.80
97.05
108.6
122.5
23.76
4.16%
4.22%
47
Total assets
$538.7M
8.88%
1.49×
Revenue
$139.0M
4.64%
1.00×
Non-interest expense
$69.14M
4.28%
0.97×
Net interest income
79.57%
Non-interest income
20.43%
Spread over hurdle
19.21%