27.99
Revenue$M
88.61
90.97
92.43
93.47
91.38
91.60
92.87
90.87
90.84
92.48
30.18
0.24%
0.40%
23
11.45
Revenue growth%
27.11
29.86
30.23
32.98
31.82
34.05
35.91
33.03
33.30
32.33
9.62
33.30
32.65
12
27.98
NIM%
17.74
19.88
20.87
20.05
18.96
17.38
20.13
17.68
14.95
13.06
26.68
17.38
18.35
51
6.82
Effic. R.%
23.51
20.63
19.10
20.43
17.69
20.44
22.87
25.27
27.28
26.03
11.70
25.27
21.75
67
29.87
Net margin%
0.84
0.40
0.40
3.05
1.98
0.40
0.40
1.49
2.17
4.04
5.48
1.49
1.16
62
19.62
P/E ratio (avg)x
16.30
17.64
18.42
18.26
18.35
18.84
20.75
19.78
19.56
21.53
31.00
19.78
18.63
77
33.81
P/TBVx
61.28
63.42
67.48
76.84
84.96
101.6
116.5
140.8
159.3
171.7
35.06
140.8
93.27
15
10.18
P/Bx
42.77
48.65
52.42
52.51
53.55
55.90
55.84
54.74
58.88
64.64
30.83
55.90
54.14
36
11.95
NII$M
71.06
72.71
73.52
75.02
72.64
73.36
74.40
71.74
71.51
74.00
28.11
0.37%
0.39%
—
29.86
NII grth%
6.50
6.19
8.15
7.29
6.17
6.43
5.20
2.25
0.40
0.40
12.15
2.25
6.18
19
8.04
ROTE%
14.89
13.82
14.25
13.43
11.36
9.86
9.76
9.95
9.95
10.62
19.87
9.95
10.99
94
29.76
Return on equity%
24.52
26.12
27.09
28.54
27.49
28.09
29.70
32.15
30.26
31.99
2.96
30.26
28.32
24
2.40
Return on assets%
8.32
9.84
11.10
8.97
9.13
7.58
6.02
8.60
7.10
6.45
22.40
7.10
8.46
69
3.34
EPS$
5.89
5.80
6.54
7.88
7.98
7.75
7.54
8.07
9.42
10.83
3.50
6.30%
5.93%
—
10.24
EPS growth%
7.11
6.98
8.68
7.69
5.09
5.66
6.10
7.08
4.72
5.87
28.25
5.87
6.54
73
3.50
Bookvalue per sh$
1.56
1.75
1.98
2.26
2.58
2.54
2.83
2.90
2.85
2.72
2.78
1.02%
7.06%
—
2.54
TBV/sh$
2.11
2.25
2.25
2.57
2.72
2.75
3.16
3.30
3.83
3.95
2.66
7.75%
7.78%
—
4.12
Dividend per sh$
2.48
2.87
2.98
3.11
3.23
3.21
3.08
3.49
3.46
3.45
3.80
1.29%
4.16%
—
8.44
Div yield (avg)%
2.57
3.87
6.76
8.09
5.32
4.39
2.82
0.40
1.81
3.94
3.87
2.82
3.90
91
15.29
Payout ratio%
9.96
8.65
10.37
11.36
12.60
10.74
11.05
9.00
9.65
11.48
4.35
10.74
10.55
76
18.03
Shares (diluted)M
25.55
28.23
31.91
36.61
36.26
35.50
34.27
36.54
39.86
41.34
17.48
2.66%
6.06%
87
9.05
Buyback yield%
8.79
9.20
10.73
8.64
9.56
7.21
7.94
6.44
3.52
3.97
20.70
6.44
8.29
6
160.04
Eq/Assets%
187.42
181.02
199.58
216.23
213.93
251.21
248.39
259.99
300.16
309.08
152.42
259.99
232.31
51
31.54
Assets$M
46.05
49.31
53.80
59.92
64.83
70.42
76.80
82.05
87.21
91.20
100.2
7.07%
7.92%
58
96.29
LT debt$M
112.1
107.4
115.0
113.2
115.0
112.7
120.9
142.8
155.7
162.7
74.28
7.18%
3.72%
27
Total assets
$91.20M
7.92%
2.06×
Revenue
$92.48M
0.40%
1.00×
Non-interest expense
$50.13M
0.41%
1.00×
Net interest income
80.02%
Non-interest income
19.98%
Return on capital
101.86%
Spread over hurdle
95.09%