25.35
Revenue$M
126.4
130.9
134.6
138.5
142.4
148.4
156.0
164.0
174.3
185.6
27.14
5.44%
4.15%
53
18.04
Revenue growth%
20.51
21.26
23.22
23.34
20.90
19.05
17.99
16.82
14.11
14.61
18.37
16.82
19.78
31
4.30
NIM%
13.80
15.20
15.20
14.17
11.76
13.45
11.41
11.33
9.59
7.65
26.58
11.33
12.61
81
22.27
Effic. R.%
2.37
4.00
6.14
8.89
7.98
5.69
4.40
1.53
1.87
4.45
24.68
4.40
4.42
89
15.57
Net margin%
19.85
21.79
21.24
21.93
24.17
22.44
24.38
26.43
27.68
29.16
16.44
26.43
23.30
56
10.95
P/E ratio (avg)x
15.66
18.07
19.02
20.34
19.99
23.49
27.32
29.15
29.68
35.30
25.81
29.15
21.91
44
8.505
P/TBVx
28.99
25.52
22.52
23.64
26.13
26.45
25.82
27.17
28.28
27.77
18.65
27.17
26.29
52
33.24
P/Bx
26.28
22.58
21.92
20.50
20.33
21.74
22.76
22.22
22.50
20.95
18.75
22.22
22.07
21
90.01
NII$M
78.23
80.49
80.97
83.13
87.62
90.02
93.88
99.51
107.0
114.1
33.03
5.42%
4.20%
—
10.78
NII grth%
34.06
33.20
35.99
35.62
38.51
37.40
35.63
33.22
32.82
33.34
16.87
33.34
34.84
57
13.75
ROTE%
9.72
11.34
10.72
11.17
13.72
14.70
14.47
17.03
15.04
16.34
16.77
15.04
14.09
57
16.64
Return on equity%
0.40
0.48
0.40
1.47
0.40
0.40
0.40
0.73
2.71
2.17
9.39
0.73
0.44
74
8.86
Return on assets%
20.74
23.39
20.78
18.42
17.87
17.66
18.88
16.32
13.98
13.92
8.43
16.32
18.15
30
4.54
EPS$
3.90
4.36
4.56
4.82
5.27
5.05
5.28
5.81
6.43
6.61
4.88
4.65%
5.83%
—
22.42
EPS growth%
11.26
14.02
13.99
14.96
13.22
15.88
17.91
19.49
20.51
21.09
3.16
19.49
15.42
34
4.45
Bookvalue per sh$
5.71
6.57
7.87
7.76
9.14
9.31
10.55
10.92
11.37
13.35
5.89
7.89%
9.00%
—
5.37
TBV/sh$
5.65
5.79
5.32
5.32
5.21
5.68
5.35
5.49
5.41
5.20
6.17
(0.06%)
(0.21%)
—
5.00
Dividend per sh$
5.63
6.21
5.64
5.24
4.66
4.28
4.24
4.51
4.97
4.49
5.75
(0.73%)
(1.42%)
—
25.92
Div yield (avg)%
24.72
25.60
28.36
31.02
31.74
30.61
31.56
31.97
32.07
29.40
13.79
31.56
30.81
40
22.62
Payout ratio%
24.05
25.77
25.35
22.87
22.35
21.21
18.72
18.63
15.67
15.10
17.86
18.63
21.78
74
9.797
Shares (diluted)M
7.034
7.539
7.272
7.495
6.666
6.392
5.606
6.079
6.382
6.035
10.02
(1.97%)
(2.53%)
84
12.07
Buyback yield%
24.13
21.25
22.08
21.35
19.81
22.79
24.73
27.08
29.65
27.00
6.55
27.00
23.46
58
161.27
Eq/Assets%
213.85
220.58
227.15
270.22
269.10
295.82
352.04
355.20
351.59
358.13
79.51
352.04
283.02
85
122.4
Assets$M
449.5
491.4
553.9
597.7
652.7
674.5
720.5
759.7
862.0
924.1
15.13
7.20%
8.54%
33
50.56
LT debt$M
128.6
147.3
159.8
156.2
183.2
179.7
197.9
215.1
233.6
262.5
17.07
7.46%
7.79%
67
Total assets
$924.1M
8.54%
1.51×
Revenue
$185.6M
4.15%
1.00×
Non-interest expense
$94.67M
4.05%
0.99×
Net interest income
61.50%
Non-interest income
38.50%