132.3
Revenue$M
109.9
111.5
116.0
120.3
123.8
128.0
134.2
135.9
141.8
146.9
135.6
3.49%
3.37%
12
7.89
Revenue growth%
6.89
9.46
6.85
9.47
9.06
7.65
9.98
10.98
9.86
11.03
2.54
9.98
9.47
84
3.23
NIM%
1.45
3.45
4.36
7.09
7.76
10.28
10.53
10.24
9.96
8.77
22.45
10.24
8.26
67
13.16
Effic. R.%
32.89
30.98
31.00
33.14
33.36
31.60
29.00
31.56
32.82
32.76
28.24
31.60
32.18
38
20.90
Net margin%
0.40
0.71
3.29
4.88
6.26
5.14
4.15
1.52
1.77
0.40
20.58
1.77
2.53
7
30.17
P/E ratio (avg)x
12.78
14.39
13.72
13.90
15.59
14.57
16.65
17.79
18.24
19.97
22.31
17.79
15.08
86
37.88
P/TBVx
34.95
38.64
36.67
37.11
41.19
43.59
42.61
44.96
41.61
45.46
30.00
43.59
41.40
58
23.82
P/Bx
34.85
40.23
45.82
48.22
49.34
47.76
50.51
56.88
58.68
53.93
11.34
53.93
48.78
33
70.79
NII$M
77.56
77.46
81.07
84.44
87.11
90.74
95.15
95.81
100.1
103.9
84.34
3.59%
3.46%
—
3.61
NII grth%
4.35
6.31
4.86
3.83
6.51
6.02
7.41
8.63
7.87
9.30
19.35
7.87
6.41
63
20.20
ROTE%
29.15
28.94
30.62
27.75
25.57
25.26
27.52
28.94
30.49
28.58
7.71
28.58
28.76
58
9.69
Return on equity%
5.57
7.32
8.87
7.60
8.30
11.27
9.40
11.54
9.10
7.82
6.13
9.40
8.59
71
4.31
Return on assets%
15.91
13.50
12.89
11.55
14.41
16.95
16.21
14.46
13.62
15.56
8.96
15.56
14.44
25
1.98
EPS$
5.38
5.43
5.39
5.43
5.94
5.16
4.85
4.98
5.09
5.10
2.09
(2.99%)
(0.24%)
—
13.68
EPS growth%
25.22
25.73
26.69
25.59
24.77
25.60
26.87
29.61
28.83
29.69
14.42
28.83
26.21
15
7.11
Bookvalue per sh$
2.11
1.85
1.75
1.85
2.03
1.82
2.02
2.26
2.40
2.17
6.32
1.27%
(0.40%)
—
5.32
TBV/sh$
3.30
3.92
4.14
4.58
5.54
6.54
6.38
6.98
8.17
9.89
6.96
12.26%
11.33%
—
3.42
Dividend per sh$
1.72
1.54
1.48
1.43
1.47
1.62
1.70
1.54
1.72
1.83
1.04
4.45%
0.95%
—
26.71
Div yield (avg)%
7.23
5.81
8.64
8.14
5.48
5.19
6.91
8.38
11.17
9.00
2.62
8.38
7.69
77
26.96
Payout ratio%
19.18
19.32
18.98
16.96
18.74
20.45
21.42
21.65
18.70
18.30
2.90
20.45
19.08
28
10.81
Shares (diluted)M
16.29
19.30
20.62
21.12
22.73
22.90
22.95
22.46
25.83
30.75
10.84
6.23%
7.10%
15
13.61
Buyback yield%
11.57
9.46
12.36
12.51
10.57
9.45
9.26
11.91
12.39
11.08
22.76
11.08
11.33
90
172.50
Eq/Assets%
47.97
41.37
40.96
36.93
33.45
35.62
34.06
31.12
27.68
28.37
16.71
31.12
34.84
23
39.54
Assets$M
263.4
283.7
316.0
342.1
369.0
404.8
420.6
439.2
479.5
540.0
73.08
7.91%
8.70%
70
65.01
LT debt$M
16.18
16.50
15.61
16.00
17.85
19.02
22.20
23.91
22.65
24.05
70.79
6.14%
4.12%
45
Total assets
$540.0M
8.70%
1.65×
Revenue
$146.9M
3.37%
1.00×
Non-interest expense
$82.02M
3.61%
1.02×
Net interest income
70.71%
Non-interest income
29.29%