36.77
Revenue$M
66.11
66.86
66.41
68.08
68.39
69.64
68.97
70.80
70.72
71.05
38.13
0.76%
0.95%
41
26.56
Revenue growth%
6.98
6.02
5.39
7.32
9.45
9.58
9.22
6.91
5.67
4.52
18.12
6.91
6.94
26
6.23
NIM%
11.42
12.15
13.24
12.63
13.57
11.77
9.89
10.22
10.88
8.92
6.50
10.22
11.60
63
27.25
Effic. R.%
17.05
15.74
14.77
14.97
12.84
10.91
13.82
12.52
9.65
6.95
13.59
10.91
13.33
43
9.42
Net margin%
2.18
0.40
0.40
2.74
5.69
3.47
1.56
1.99
0.40
1.04
26.83
1.56
1.78
62
30.00
P/E ratio (avg)x
20.95
19.51
20.59
17.99
18.54
18.90
17.77
17.74
17.96
19.57
23.72
17.96
18.72
76
32.06
P/TBVx
35.24
41.55
41.94
42.16
48.83
48.53
53.93
52.55
54.16
52.78
37.99
52.78
48.68
57
18.59
P/Bx
36.90
35.82
36.25
38.60
44.04
43.76
48.80
46.32
43.26
50.15
12.69
46.32
43.51
13
33.37
NII$M
51.29
52.69
51.69
52.68
53.61
54.31
53.84
55.28
55.06
56.20
57.05
0.95%
1.06%
—
8.41
NII grth%
21.36
21.80
21.31
22.76
21.83
22.78
25.44
26.78
25.63
23.75
10.89
25.44
22.77
32
16.60
ROTE%
24.96
26.80
24.93
23.48
24.77
26.84
24.32
22.90
23.01
25.58
16.48
24.32
24.85
62
14.62
Return on equity%
27.54
29.66
30.81
33.63
35.75
35.80
35.52
33.77
36.76
34.49
17.38
35.52
34.13
39
12.77
Return on assets%
5.48
5.53
7.53
6.01
6.10
8.44
9.74
12.11
13.84
16.54
21.55
12.11
7.99
28
3.68
EPS$
8.51
8.82
8.24
9.25
10.61
12.04
13.86
15.11
14.77
15.47
3.79
7.82%
5.85%
—
18.19
EPS growth%
19.38
18.01
15.98
16.10
18.13
17.67
20.08
18.59
21.28
23.57
15.46
20.08
18.36
39
1.68
Bookvalue per sh$
5.25
5.22
5.67
4.89
4.50
4.57
4.20
4.44
3.94
3.73
7.18
(3.65%)
(2.91%)
—
7.43
TBV/sh$
4.53
4.73
4.52
4.69
4.68
4.97
5.12
4.81
5.12
5.50
6.07
3.30%
2.69%
—
5.18
Dividend per sh$
8.32
8.81
8.12
8.62
9.21
8.25
7.18
7.30
7.64
7.29
2.31
(4.58%)
(0.78%)
—
5.70
Div yield (avg)%
7.45
6.57
9.52
12.19
13.80
11.82
14.11
12.91
11.97
13.71
21.39
12.91
12.08
84
17.61
Payout ratio%
19.08
17.02
18.26
17.32
19.16
18.23
19.35
21.43
22.38
25.35
25.32
21.43
19.12
25
9.518
Shares (diluted)M
6.228
5.470
5.763
5.952
5.732
5.329
5.550
5.756
5.682
5.554
9.574
(0.63%)
(1.39%)
32
18.93
Buyback yield%
11.11
11.39
12.60
14.73
17.59
17.92
18.48
19.27
19.72
18.03
6.57
18.48
17.75
32
25.71
Eq/Assets%
55.07
51.08
44.68
41.92
44.26
38.13
35.51
32.03
32.73
35.25
99.40
35.25
40.03
23
32.65
Assets$M
163.6
188.1
196.3
217.7
230.6
258.6
273.4
300.8
333.4
358.3
37.05
9.21%
8.62%
79
77.61
LT debt$M
75.07
72.35
80.45
78.63
83.03
92.75
87.82
91.96
87.17
102.2
85.51
4.24%
3.85%
19
Total assets
$358.3M
8.62%
2.08×
Revenue
$71.05M
0.95%
1.00×
Non-interest expense
$33.03M
0.89%
0.99×
Net interest income
79.11%
Non-interest income
20.89%