45.59
Revenue$M
68.46
71.11
72.88
74.54
76.99
77.04
79.82
82.68
83.69
85.49
50.28
2.12%
2.32%
21
14.82
Revenue growth%
19.67
18.68
17.02
14.54
17.42
15.98
15.97
17.32
16.42
14.36
6.34
15.98
16.72
7
18.88
NIM%
17.75
15.56
14.50
13.54
14.69
15.39
15.01
16.75
13.82
14.06
6.20
15.01
14.85
45
24.66
Effic. R.%
4.87
6.62
8.54
5.66
4.01
3.26
2.23
5.22
7.06
4.62
14.59
4.62
5.05
95
12.02
Net margin%
20.28
19.27
17.93
18.61
17.51
18.03
15.23
16.71
19.52
19.30
24.12
18.03
18.32
71
16.21
P/E ratio (avg)x
9.821
9.736
10.74
11.45
12.09
13.37
12.14
12.89
14.04
13.24
30.66
13.24
12.12
57
7.843
P/TBVx
43.65
51.84
59.65
67.07
75.87
84.67
82.95
98.95
98.64
110.9
21.22
98.64
79.41
10
9.110
P/Bx
46.05
46.12
53.62
65.08
72.80
81.67
83.53
91.29
92.52
102.0
35.35
91.29
77.23
61
64.92
NII$M
43.01
45.22
45.28
46.27
48.51
48.71
50.61
51.44
52.28
53.59
10.37
2.01%
2.40%
—
24.73
NII grth%
20.06
22.81
25.71
24.66
24.34
24.51
23.05
24.90
24.51
24.45
16.12
24.51
24.48
20
18.25
ROTE%
8.42
11.01
8.27
10.28
7.67
9.80
10.35
10.97
9.68
7.93
28.63
9.80
9.74
75
21.97
Return on equity%
1.98
2.44
2.53
2.34
3.01
5.03
2.37
3.54
4.55
4.21
13.16
4.21
2.77
85
7.60
Return on assets%
27.85
28.87
27.57
24.98
25.14
22.68
25.30
23.46
25.32
27.81
15.42
25.30
25.31
80
1.27
EPS$
0.66
0.76
0.85
0.81
0.92
0.86
0.99
1.08
1.20
1.24
1.30
6.02%
7.39%
—
14.90
EPS growth%
23.17
20.23
18.83
16.12
14.25
17.21
17.61
19.91
18.42
20.42
8.16
18.42
18.62
90
1.72
Bookvalue per sh$
1.83
1.97
1.82
1.76
1.97
1.91
2.12
2.14
2.12
2.39
2.21
3.99%
3.85%
—
2.94
TBV/sh$
4.05
3.82
3.62
3.25
3.11
3.19
3.15
3.40
3.72
4.11
2.56
5.74%
0.69%
—
2.64
Dividend per sh$
2.24
2.01
1.96
1.87
1.87
1.80
1.57
1.63
1.60
1.59
1.23
(3.22%)
(4.11%)
—
19.16
Div yield (avg)%
19.34
20.53
18.00
18.82
20.72
22.80
22.04
24.17
22.29
20.44
23.08
22.29
20.62
79
28.69
Payout ratio%
2.62
1.14
1.73
3.30
0.70
0.40
0.40
1.27
0.40
2.57
20.03
0.40
1.20
78
16.65
Shares (diluted)M
31.58
36.08
35.44
41.19
48.05
47.92
56.38
65.01
77.77
79.65
16.81
10.64%
10.98%
38
25.25
Buyback yield%
10.40
7.49
9.60
10.40
10.06
10.24
13.03
12.69
10.32
9.56
21.17
10.32
10.28
32
166.68
Eq/Assets%
113.02
111.81
102.69
93.06
92.90
91.25
82.67
82.71
80.40
78.51
79.84
82.67
92.07
9
20.41
Assets$M
144.9
156.8
178.2
182.8
196.6
210.8
236.2
258.7
276.7
292.4
94.89
8.27%
8.21%
10
67.49
LT debt$M
28.64
31.44
33.82
35.49
39.95
44.83
47.38
45.09
41.88
39.01
18.09
(0.48%)
3.83%
43
Total assets
$292.4M
8.21%
1.75×
Revenue
$85.49M
2.32%
1.00×
Non-interest expense
$39.68M
2.45%
1.01×
Net interest income
62.68%
Non-interest income
37.32%