37.73
Revenue$M
127.1
128.9
129.9
136.4
142.9
145.5
147.7
153.9
160.4
168.6
38.71
3.36%
3.22%
32
21.36
Revenue growth%
5.85
7.64
7.25
6.21
8.06
7.01
7.73
10.55
9.11
6.36
10.30
7.73
7.44
39
24.82
NIM%
21.31
22.13
23.22
23.74
21.74
24.00
23.92
24.42
27.37
24.58
5.48
24.42
23.83
18
27.25
Effic. R.%
11.69
11.96
13.58
16.41
14.07
14.86
11.97
14.80
15.92
16.82
23.15
14.86
14.44
68
17.81
Net margin%
11.10
13.23
15.61
17.60
16.38
15.14
17.81
15.09
14.17
14.35
22.19
15.09
15.11
17
29.11
P/E ratio (avg)x
19.07
22.32
23.88
27.39
28.72
30.94
36.04
42.80
49.38
55.37
8.669
42.80
29.83
77
16.83
P/TBVx
34.03
37.85
36.97
34.89
33.55
37.04
34.94
32.08
35.63
38.26
21.69
35.63
35.28
24
34.10
P/Bx
20.85
22.05
24.58
23.78
23.34
23.10
21.22
23.80
25.30
28.51
17.18
23.80
23.56
70
74.44
NII$M
82.13
82.37
82.70
87.91
93.03
92.86
96.88
98.20
104.3
108.0
156.3
3.02%
3.07%
—
8.15
NII grth%
19.83
20.20
20.59
21.49
22.37
24.29
23.67
22.61
23.57
22.06
12.89
23.57
22.21
39
5.88
ROTE%
26.64
25.33
25.39
24.75
26.25
26.68
25.47
26.46
24.69
27.36
8.89
26.46
25.86
42
16.21
Return on equity%
27.44
24.59
26.89
25.52
24.60
26.05
28.97
28.94
30.45
29.45
19.31
28.97
27.16
75
26.21
Return on assets%
22.35
24.69
22.45
20.67
21.83
22.61
25.11
26.56
24.45
23.48
27.00
24.45
23.04
72
3.92
EPS$
15.57
18.01
19.44
22.52
22.37
25.92
28.62
33.82
35.45
36.49
4.37
10.28%
9.95%
—
9.79
EPS growth%
29.19
28.48
26.84
25.33
25.46
26.95
26.96
28.13
28.33
26.53
18.12
26.96
26.95
57
3.59
Bookvalue per sh$
7.30
6.68
6.92
7.52
8.25
8.53
8.27
9.02
9.70
10.15
5.30
4.22%
2.66%
—
3.42
TBV/sh$
6.70
7.16
7.32
7.10
7.03
7.23
7.83
7.75
7.69
7.43
15.49
1.12%
0.77%
—
10.98
Dividend per sh$
7.20
8.48
9.72
11.51
11.14
13.20
13.88
15.80
18.85
20.79
8.99
13.28%
11.35%
—
29.35
Div yield (avg)%
16.68
17.90
16.85
18.83
21.36
22.99
25.62
27.97
25.21
23.16
16.78
25.21
22.17
72
15.08
Payout ratio%
6.18
7.78
8.25
9.63
10.05
12.71
13.75
13.34
12.42
11.32
24.95
12.71
10.68
40
11.93
Shares (diluted)M
13.90
14.54
13.35
11.93
11.26
12.04
12.84
14.04
14.32
15.44
11.55
6.52%
1.09%
72
17.10
Buyback yield%
9.63
9.03
6.72
9.03
8.84
10.47
10.64
12.70
13.73
14.18
29.41
12.70
10.05
13
22.30
Eq/Assets%
173.90
177.09
166.08
177.19
186.53
215.21
219.78
245.10
238.84
242.22
58.74
238.84
200.87
65
59.01
Assets$M
84.32
90.91
98.15
109.4
115.8
125.3
134.8
146.2
150.7
166.6
34.56
7.54%
8.29%
24
56.95
LT debt$M
124.3
117.7
120.9
122.2
126.7
137.7
150.8
136.0
136.3
123.6
92.89
(0.50%)
0.57%
65
Total assets
$166.6M
8.29%
1.61×
Revenue
$168.6M
3.22%
1.00×
Non-interest expense
$89.80M
3.25%
1.00×
Net interest income
64.06%
Non-interest income
35.94%
Return on capital
131.33%