33.90
Revenue$M
113.7
113.6
114.0
113.2
114.7
116.5
115.7
114.3
114.2
111.9
35.09
(0.48%)
(0.15%)
42
19.09
Revenue growth%
11.61
11.71
12.42
14.48
15.34
12.55
14.03
11.69
11.70
14.59
5.91
12.55
12.48
70
7.90
NIM%
29.60
29.58
27.08
29.38
26.93
28.59
28.25
28.70
26.72
27.88
26.87
28.25
28.42
57
25.07
Effic. R.%
6.45
4.50
2.25
2.19
3.69
5.04
4.69
3.14
4.86
2.03
27.32
4.69
4.10
86
25.78
Net margin%
22.70
20.47
18.47
16.79
17.21
17.31
20.03
22.02
24.73
23.83
15.71
22.02
20.25
62
29.11
P/E ratio (avg)x
22.73
20.84
22.02
22.63
23.43
20.89
21.17
19.18
20.27
19.44
30.34
20.27
21.03
73
32.35
P/TBVx
26.28
25.59
26.93
28.07
26.79
29.27
32.64
32.23
30.25
32.29
15.21
32.23
28.67
61
21.97
P/Bx
15.87
15.56
16.83
16.55
15.98
15.08
16.15
18.30
17.73
20.16
31.27
17.73
16.35
15
68.42
NII$M
83.09
81.13
82.51
82.89
82.96
84.46
84.67
83.14
81.98
80.44
69.15
(0.62%)
(0.30%)
—
20.44
NII grth%
6.64
5.44
5.22
5.09
6.19
7.32
6.19
7.06
6.32
7.22
4.90
7.06
6.26
17
14.71
ROTE%
9.85
9.60
10.81
12.06
14.18
15.29
13.11
12.62
11.81
12.90
23.03
12.90
12.34
12
17.15
Return on equity%
19.35
17.69
15.42
15.57
15.12
17.95
15.07
12.21
13.66
13.10
22.43
13.66
15.27
64
11.47
Return on assets%
11.99
12.58
11.21
9.19
10.04
12.77
14.02
12.97
11.10
10.88
14.63
12.77
11.60
8
6.62
EPS$
2.02
1.84
1.96
2.17
1.99
1.97
1.91
1.91
1.93
2.15
6.87
1.61%
0.49%
—
26.48
EPS growth%
17.26
15.48
13.47
15.00
14.80
12.27
14.53
16.38
14.35
13.98
28.43
14.35
14.67
14
2.91
Bookvalue per sh$
3.72
3.44
3.16
2.79
3.09
2.90
2.75
2.75
2.82
3.08
5.42
(0.04%)
(2.93%)
—
5.94
TBV/sh$
1.90
1.86
1.94
2.28
2.16
2.09
2.37
2.37
2.33
2.29
2.47
1.23%
2.84%
—
5.54
Dividend per sh$
5.63
5.34
5.41
5.76
6.31
5.94
5.49
5.31
5.65
6.10
2.21
(0.70%)
1.16%
—
22.90
Div yield (avg)%
7.65
7.77
10.18
11.54
8.82
10.88
9.57
11.72
10.01
10.79
19.00
10.79
10.10
26
8.46
Payout ratio%
27.60
26.47
27.24
28.20
28.30
30.71
30.63
29.27
27.49
30.39
29.77
30.39
28.25
42
5.345
Shares (diluted)M
4.181
4.477
4.547
4.334
4.379
4.412
4.881
5.251
5.348
5.432
5.310
4.41%
2.65%
80
5.27
Buyback yield%
6.30
7.65
7.36
6.11
3.13
5.04
4.22
2.21
3.05
1.63
23.43
3.05
4.63
17
15.75
Eq/Assets%
123.90
126.40
135.95
128.58
121.49
138.65
149.79
155.53
169.35
171.46
104.16
155.53
137.30
16
40.96
Assets$M
147.1
160.7
174.7
198.3
217.1
224.7
239.7
274.7
283.2
306.2
56.17
7.12%
8.44%
22
102.2
LT debt$M
102.9
118.5
132.9
149.7
158.9
184.3
186.6
215.3
258.8
290.2
52.29
12.79%
12.86%
34
Total assets
$306.2M
8.44%
2.28×
Revenue
$111.9M
(0.15%)
1.00×
Non-interest expense
$56.70M
(0.40%)
0.97×
Net interest income
71.86%
Non-interest income
28.14%