151.3
Revenue$M
311.5
319.4
324.0
329.2
337.0
337.6
336.4
342.9
347.9
363.4
168.4
1.52%
1.52%
39
8.45
Revenue growth%
6.38
4.88
4.32
4.92
5.84
3.76
2.97
4.91
3.32
2.00
9.98
3.32
4.60
17
2.42
NIM%
19.24
21.76
21.42
24.28
27.13
26.85
29.42
31.14
30.85
28.52
28.76
29.42
26.99
71
19.01
Effic. R.%
20.69
22.74
22.95
20.27
20.13
21.06
22.70
24.03
26.71
25.93
23.09
24.03
22.72
17
27.14
Net margin%
6.06
3.23
4.30
3.08
3.40
1.74
4.06
4.63
4.55
3.83
17.34
4.06
3.95
40
20.14
P/E ratio (avg)x
10.91
10.98
11.42
12.93
13.26
13.97
13.71
14.69
17.03
19.81
24.83
14.69
13.49
44
16.32
P/TBVx
45.39
50.14
50.98
59.99
59.64
63.31
63.19
68.92
69.09
72.88
21.72
68.92
61.59
35
9.818
P/Bx
8.243
8.270
7.281
6.591
6.217
6.497
6.638
6.848
7.319
6.406
34.42
6.638
6.743
52
185.8
NII$M
203.8
209.3
206.7
214.8
214.7
219.2
219.4
219.3
226.9
232.6
231.7
1.62%
1.29%
—
7.09
NII grth%
23.60
21.90
21.18
19.25
20.73
22.80
20.07
19.36
16.76
16.78
20.96
19.36
20.40
37
3.26
ROTE%
3.81
3.09
3.34
5.98
4.33
1.89
2.98
3.44
3.82
3.70
14.11
3.44
3.57
50
27.27
Return on equity%
22.26
22.57
24.28
23.12
24.55
22.82
23.71
21.44
23.48
23.04
18.15
23.04
23.08
75
12.86
Return on assets%
7.67
10.54
13.30
11.78
13.79
15.89
13.85
13.39
13.73
13.19
16.70
13.73
13.35
41
6.18
EPS$
4.93
5.14
5.01
5.32
5.42
5.83
5.66
5.14
5.23
5.66
6.63
0.84%
2.09%
—
13.99
EPS growth%
8.61
9.30
10.06
8.53
10.37
10.92
10.63
10.49
11.00
11.78
17.58
10.92
10.43
44
1.78
Bookvalue per sh$
1.23
1.14
1.02
1.08
1.18
1.14
1.06
0.94
0.82
0.86
3.31
(6.08%)
(3.66%)
—
3.64
TBV/sh$
3.08
3.23
3.42
3.84
4.18
4.53
5.29
5.84
6.29
7.45
1.27
12.26%
8.79%
—
3.32
Dividend per sh$
4.79
5.47
5.53
5.61
5.60
5.96
6.57
7.41
8.15
9.40
5.55
10.90%
8.51%
—
11.28
Div yield (avg)%
2.34
0.53
0.40
1.52
4.03
1.05
0.40
2.23
1.12
1.00
12.54
1.05
1.09
55
27.90
Payout ratio%
32.09
32.76
31.88
30.33
30.25
28.87
29.79
27.41
24.85
26.96
13.61
27.41
30.02
42
35.50
Shares (diluted)M
44.14
43.35
45.89
41.18
42.13
37.81
34.63
36.40
36.88
41.63
35.74
(0.24%)
0.31%
8
22.23
Buyback yield%
32.84
31.63
32.36
29.81
32.27
34.06
36.48
36.40
33.53
33.89
24.33
34.06
33.19
60
13.91
Eq/Assets%
95.94
93.00
82.04
79.97
77.90
74.09
70.28
68.06
57.85
48.94
41.18
68.06
75.99
8
51.06
Assets$M
73.79
79.85
84.83
96.02
105.4
118.1
126.3
134.1
144.3
151.2
231.0
7.48%
8.75%
82
226.9
LT debt$M
62.16
59.96
53.89
47.68
49.37
42.73
42.90
39.70
40.50
44.02
105.5
(2.26%)
(3.91%)
48
Total assets
$151.2M
8.75%
1.99×
Revenue
$363.4M
1.52%
1.00×
Non-interest expense
$185.1M
1.40%
0.99×
Net interest income
64.02%
Non-interest income
35.98%
Return on capital
303.19%