60.48
Revenue$M
100.5
108.2
115.0
121.0
129.7
136.3
147.8
159.9
174.2
189.4
64.74
7.87%
7.44%
61
2.38
Revenue growth%
20.96
20.26
22.59
23.14
24.17
26.70
25.02
22.43
25.40
22.71
4.59
25.02
22.93
59
15.90
NIM%
24.85
24.94
27.19
28.89
27.96
28.53
27.78
30.56
31.81
33.32
8.06
30.56
28.24
43
17.08
Effic. R.%
6.54
5.05
4.90
6.50
7.75
10.18
7.28
7.28
8.27
10.99
18.47
8.27
7.28
42
9.21
Net margin%
12.91
11.92
13.50
14.81
17.48
18.94
21.06
18.07
20.23
19.98
10.90
19.98
17.77
15
27.52
P/E ratio (avg)x
16.33
18.77
19.52
19.68
22.92
24.54
25.36
29.33
29.78
34.80
10.76
29.33
23.73
44
10.34
P/TBVx
8.507
9.345
10.18
11.23
11.48
12.35
12.41
12.88
12.94
14.67
33.69
12.88
11.92
77
13.79
P/Bx
42.83
46.59
56.31
57.15
67.17
76.79
87.13
95.47
101.9
101.7
27.99
95.47
71.98
21
27.80
NII$M
70.94
76.42
80.45
83.84
91.31
96.45
102.4
112.3
122.7
134.8
84.79
8.10%
7.55%
—
21.48
NII grth%
18.74
16.73
18.53
18.71
17.77
18.99
18.74
16.33
17.97
20.71
5.89
18.74
18.62
9
2.29
ROTE%
14.13
16.55
17.19
16.53
15.13
17.01
16.95
15.39
12.93
13.86
19.06
15.39
15.96
62
3.50
Return on equity%
34.84
37.33
34.43
32.04
29.70
31.97
29.94
31.69
34.31
33.03
4.19
31.97
32.54
6
25.97
Return on assets%
16.28
14.07
12.22
11.63
13.67
12.95
14.87
17.27
15.87
16.41
15.25
15.87
14.47
75
2.90
EPS$
4.32
4.11
3.91
4.08
4.62
5.27
5.29
5.45
6.23
6.20
3.01
6.07%
4.87%
—
12.47
EPS growth%
0.40
2.40
3.04
5.46
6.62
6.41
8.07
9.81
10.60
9.63
21.46
9.63
6.52
42
2.48
Bookvalue per sh$
2.27
2.39
2.25
1.98
2.09
1.86
1.85
1.78
1.64
1.68
2.62
(4.26%)
(2.46%)
—
3.02
TBV/sh$
3.26
3.22
2.88
2.72
3.02
2.70
2.94
3.08
2.77
2.54
1.03
(3.42%)
(3.18%)
—
1.42
Dividend per sh$
2.08
2.41
2.35
2.73
2.79
2.99
3.07
3.50
3.91
4.16
3.35
8.32%
8.90%
—
20.86
Div yield (avg)%
23.06
21.78
22.85
22.05
19.09
21.00
21.39
21.77
23.59
23.58
8.11
21.77
21.92
88
17.28
Payout ratio%
23.42
23.22
21.62
22.16
24.12
22.29
24.18
22.14
20.47
19.98
7.71
22.14
22.23
82
18.94
Shares (diluted)M
19.95
20.95
21.25
22.00
21.41
23.68
25.89
24.00
23.09
21.23
18.02
(0.17%)
1.76%
80
22.52
Buyback yield%
24.62
24.88
22.31
23.81
24.22
26.33
27.93
25.11
25.65
24.78
8.28
25.65
24.83
85
46.59
Eq/Assets%
168.00
195.73
195.31
235.08
244.70
291.55
345.06
379.64
389.84
459.00
36.94
379.64
268.13
43
80.74
Assets$M
155.1
171.4
191.6
202.2
217.5
232.6
258.0
273.4
305.2
324.8
40.98
8.36%
8.26%
37
54.84
LT debt$M
102.3
118.1
133.8
143.6
137.8
135.1
138.2
132.1
127.0
132.2
94.46
(0.83%)
2.20%
27
Total assets
$324.8M
8.26%
1.08×
Revenue
$189.4M
7.44%
1.00×
Non-interest expense
$114.9M
7.37%
0.99×
Net interest income
71.15%
Non-interest income
28.85%
Spread over hurdle
39.12%