63.37
Revenue$M
130.5
141.2
150.7
165.2
177.4
194.7
205.3
218.4
229.5
246.3
70.17
6.78%
7.16%
74
6.56
Revenue growth%
18.82
20.10
18.68
16.05
17.98
15.50
12.56
10.58
7.66
8.45
16.64
10.58
15.78
62
23.20
NIM%
13.86
13.68
15.15
13.11
12.05
10.86
9.97
11.48
8.49
8.57
10.85
9.97
11.77
6
5.99
Effic. R.%
5.78
4.48
4.47
7.05
5.33
5.06
3.15
4.42
2.71
5.03
13.16
4.42
4.75
32
18.54
Net margin%
12.28
14.45
13.09
11.09
12.37
14.98
16.24
15.55
12.76
14.78
22.59
14.98
13.77
12
12.85
P/E ratio (avg)x
17.37
16.65
18.19
18.33
19.87
22.42
25.04
22.71
22.66
23.81
37.79
22.71
21.14
44
26.03
P/TBVx
27.92
24.03
22.89
22.88
20.61
19.03
19.99
21.14
23.07
25.16
22.55
21.14
22.89
68
27.36
P/Bx
16.66
16.56
18.05
17.54
16.64
16.81
16.95
17.91
16.35
15.73
11.55
16.81
16.74
52
116.7
NII$M
95.99
104.4
110.4
121.9
129.5
145.0
149.5
159.8
167.9
181.9
97.17
7.02%
7.15%
—
16.01
NII grth%
12.04
11.64
12.12
14.93
17.40
20.05
21.25
21.26
23.66
24.64
4.52
21.26
18.73
71
26.69
ROTE%
8.45
8.53
7.14
8.42
7.09
6.70
7.55
8.53
7.57
6.49
4.45
7.55
7.56
52
24.05
Return on equity%
16.02
16.47
15.76
16.73
17.76
16.14
13.63
12.29
14.33
14.95
20.80
14.33
15.89
22
3.11
Return on assets%
26.19
29.10
29.70
27.57
29.11
30.28
28.98
27.57
25.62
27.90
9.84
27.90
28.44
10
4.61
EPS$
3.09
2.97
3.26
3.64
3.77
3.99
4.18
4.66
4.82
4.29
5.11
2.65%
3.74%
—
28.34
EPS growth%
16.54
15.20
15.88
15.33
16.67
14.03
14.87
12.80
11.06
13.79
20.15
13.79
15.03
46
5.10
Bookvalue per sh$
5.27
5.10
4.42
3.88
3.87
3.79
3.84
4.12
4.40
4.17
1.02
1.50%
(1.85%)
—
4.12
TBV/sh$
1.66
1.76
1.75
1.73
1.95
2.01
2.00
2.18
2.27
2.49
5.80
5.01%
4.95%
—
0.91
Dividend per sh$
5.58
5.71
5.47
5.51
6.21
6.58
7.28
7.83
8.60
8.25
5.40
5.82%
4.44%
—
9.39
Div yield (avg)%
14.97
12.46
10.70
10.75
12.00
14.24
12.18
10.89
13.12
12.57
21.40
12.57
12.32
74
4.82
Payout ratio%
13.67
11.92
12.40
14.55
12.99
13.93
16.41
17.78
15.50
17.67
12.51
16.41
14.24
93
16.11
Shares (diluted)M
17.31
19.34
20.43
20.46
18.74
17.38
18.84
21.43
23.41
26.18
16.64
6.91%
3.52%
67
29.67
Buyback yield%
25.38
28.11
30.60
29.51
30.81
29.93
29.72
29.42
28.72
29.70
28.29
29.70
29.61
24
123.11
Eq/Assets%
78.57
78.69
87.59
101.09
118.09
134.38
142.73
167.19
161.27
170.62
147.82
161.27
126.23
45
224.5
Assets$M
416.0
445.4
498.7
551.2
594.4
660.6
745.5
816.6
877.2
959.4
176.1
10.05%
9.30%
7
40.37
LT debt$M
212.7
248.4
274.4
284.3
283.7
280.6
335.8
396.7
435.7
487.0
23.82
11.41%
9.00%
77
Total assets
$959.4M
9.30%
1.22×
Revenue
$246.3M
7.16%
1.00×
Non-interest expense
$134.9M
7.08%
0.99×
Net interest income
73.84%
Non-interest income
26.16%