29.10
Revenue$M
184.9
186.1
188.2
193.2
202.4
205.8
207.3
215.2
216.1
220.3
31.70
1.71%
2.23%
27
3.77
Revenue growth%
24.61
25.60
24.07
22.69
21.64
21.14
21.58
22.65
20.38
17.96
21.39
21.14
22.14
25
12.19
NIM%
14.83
16.16
15.94
14.75
13.77
15.28
15.12
12.29
14.61
13.72
12.98
14.61
14.79
26
22.69
Effic. R.%
7.89
6.87
9.66
8.29
9.95
9.85
9.11
7.76
6.40
9.00
19.23
9.00
8.64
81
21.13
Net margin%
21.96
20.48
23.40
23.05
23.54
20.71
19.79
17.78
16.57
18.61
29.20
18.61
20.59
17
9.774
P/E ratio (avg)x
36.15
35.38
40.61
46.23
50.86
60.81
59.53
68.30
73.56
79.74
36.83
68.30
55.20
27
11.17
P/TBVx
46.41
54.24
50.94
55.13
56.77
64.30
69.50
73.78
73.42
83.28
27.85
73.42
60.53
64
17.88
P/Bx
46.68
48.51
46.48
48.52
53.73
53.41
51.80
54.84
57.82
60.30
35.37
54.84
52.60
75
122.3
NII$M
114.3
115.7
115.9
121.5
124.3
129.5
129.7
133.1
133.9
135.6
140.7
1.76%
2.26%
—
3.69
NII grth%
27.71
27.52
29.73
30.57
33.10
32.16
32.77
31.16
31.60
32.63
2.34
32.16
31.38
55
5.05
ROTE%
9.27
12.19
9.78
7.22
6.00
8.13
7.07
6.65
6.71
5.36
24.51
6.71
7.15
16
9.74
Return on equity%
1.38
0.40
0.40
0.40
0.61
0.40
0.40
3.07
3.58
6.19
28.44
3.07
0.51
29
23.98
Return on assets%
4.49
4.54
7.27
8.61
7.19
7.10
4.46
7.04
4.41
1.95
6.42
4.46
5.79
70
5.01
EPS$
1.01
0.97
0.92
0.92
0.98
1.03
1.11
1.12
1.18
1.19
5.44
3.98%
1.44%
—
19.21
EPS growth%
26.10
24.38
21.56
22.75
21.72
23.54
22.04
22.20
24.90
25.22
24.60
23.54
23.15
88
5.73
Bookvalue per sh$
4.75
4.55
3.83
3.83
3.70
3.23
3.19
3.40
2.96
3.10
2.90
(3.46%)
(4.02%)
—
2.84
TBV/sh$
1.41
1.61
1.77
2.00
2.10
2.31
2.62
2.39
2.31
2.43
3.13
3.00%
5.01%
—
4.65
Dividend per sh$
2.70
2.94
2.87
2.84
2.82
2.73
2.86
3.00
2.74
2.77
0.81
(0.38%)
0.03%
—
6.42
Div yield (avg)%
29.09
30.22
28.09
28.85
29.78
30.70
29.81
29.67
28.29
27.24
26.86
29.67
29.38
31
15.72
Payout ratio%
6.79
9.75
9.53
9.20
9.30
7.06
4.57
5.89
7.11
4.17
5.57
5.89
7.08
67
19.21
Shares (diluted)M
16.09
17.21
15.32
13.21
13.29
11.58
10.04
9.391
9.452
8.195
19.15
(9.22%)
(7.17%)
58
11.19
Buyback yield%
23.69
25.84
27.46
28.92
27.33
25.63
23.96
24.31
21.95
20.42
12.22
23.96
24.97
27
101.42
Eq/Assets%
99.10
91.42
81.36
73.83
74.06
72.26
75.65
75.30
80.39
74.99
177.38
75.30
75.47
47
60.94
Assets$M
335.9
373.9
416.3
451.9
483.0
522.9
568.5
619.2
691.3
745.4
108.9
9.07%
9.19%
34
22.99
LT debt$M
40.78
42.62
44.07
48.01
45.99
43.97
44.76
51.32
60.42
63.23
181.8
6.58%
5.14%
56
Total assets
$745.4M
9.19%
1.93×
Revenue
$220.3M
2.23%
1.00×
Non-interest expense
$125.0M
2.21%
1.00×
Net interest income
61.55%
Non-interest income
38.45%
Spread over hurdle
24.31%