107.9
Revenue$M
122.9
133.6
141.8
154.5
164.7
174.2
187.0
199.5
212.8
223.3
115.3
6.28%
7.05%
92
19.04
Revenue growth%
23.50
23.77
22.50
22.16
23.30
22.67
25.23
28.22
26.06
28.37
9.82
26.06
23.64
89
14.33
NIM%
14.69
14.86
17.43
18.32
16.42
16.92
16.28
16.72
14.91
13.42
29.11
16.28
16.35
66
8.13
Effic. R.%
1.76
3.28
0.40
2.67
0.40
0.94
0.40
2.73
5.21
6.55
11.34
2.73
2.21
21
21.08
Net margin%
9.88
8.00
8.77
8.67
9.20
6.23
6.85
6.49
5.03
4.82
15.77
6.23
7.42
80
31.18
P/E ratio (avg)x
43.70
44.13
45.49
40.31
38.81
38.66
39.55
39.73
38.72
36.12
12.23
38.72
39.64
15
22.58
P/TBVx
7.942
8.538
8.478
8.497
7.755
8.601
7.509
8.127
7.989
7.192
31.46
7.989
8.058
69
34.86
P/Bx
15.24
14.28
13.52
13.84
14.27
15.10
13.47
13.49
12.74
12.79
17.42
13.47
13.68
54
155.5
NII$M
83.01
90.97
96.22
104.9
112.4
119.0
124.7
136.2
145.4
149.1
25.99
5.81%
7.09%
—
26.23
NII grth%
24.45
23.11
20.58
20.09
20.06
17.32
18.42
20.51
18.49
19.41
28.22
18.49
20.08
84
17.04
ROTE%
5.60
4.97
2.55
2.89
1.20
0.40
0.40
0.40
3.03
2.77
3.92
0.40
2.66
19
4.07
Return on equity%
10.47
12.68
14.45
17.22
17.90
17.27
15.53
15.11
15.82
18.31
24.34
15.82
15.68
13
25.09
Return on assets%
12.33
12.80
11.12
9.65
8.40
7.36
9.82
12.08
13.92
12.06
11.75
12.06
11.59
21
2.85
EPS$
7.51
8.05
7.60
8.83
8.82
8.69
8.21
8.36
8.79
9.17
2.91
0.78%
3.52%
—
13.17
EPS growth%
26.75
29.11
30.26
30.44
29.68
29.34
27.44
28.51
29.61
32.15
26.37
29.34
29.48
39
7.54
Bookvalue per sh$
1.53
1.54
1.65
1.57
1.66
1.83
1.83
1.80
1.92
1.82
4.70
1.77%
1.16%
—
1.66
TBV/sh$
5.17
5.85
5.59
6.03
6.89
7.20
7.76
8.30
8.21
9.18
2.40
5.90%
7.03%
—
7.72
Dividend per sh$
6.75
7.12
6.56
6.00
6.39
6.87
7.39
7.77
6.93
6.11
7.71
(0.89%)
(1.09%)
—
14.26
Div yield (avg)%
3.25
5.13
6.31
5.36
4.73
2.19
0.40
0.40
0.40
0.81
24.81
0.40
2.72
46
23.40
Payout ratio%
15.78
16.13
16.88
16.89
16.54
18.49
19.99
22.52
21.96
20.24
15.35
20.24
17.69
23
10.60
Shares (diluted)M
9.945
9.720
8.849
9.843
10.56
9.487
9.453
8.934
9.514
10.26
10.76
(0.57%)
(0.50%)
6
14.08
Buyback yield%
12.95
10.29
10.04
10.42
9.43
7.91
6.57
3.97
4.00
5.86
13.53
5.86
8.67
78
115.51
Eq/Assets%
153.93
155.62
168.92
169.67
182.23
171.25
175.07
183.80
172.83
163.08
26.95
172.83
170.46
61
155.9
Assets$M
245.1
272.4
289.7
313.8
361.9
397.3
424.6
484.2
494.4
530.4
30.75
7.95%
8.99%
42
7.807
LT debt$M
24.72
24.03
24.62
23.54
25.29
25.73
29.10
29.83
32.74
34.66
150.6
6.50%
4.24%
47
Total assets
$530.4M
8.99%
1.20×
Revenue
$223.3M
7.05%
1.00×
Non-interest expense
$115.4M
7.01%
1.00×
Net interest income
66.75%
Non-interest income
33.25%