77.48
Revenue$M
125.3
126.7
125.1
126.7
129.8
131.1
135.6
138.7
142.4
140.9
85.78
1.66%
1.16%
93
25.90
Revenue growth%
8.21
7.83
7.29
5.77
7.21
7.47
8.09
8.46
11.17
9.89
14.43
8.46
7.96
51
13.74
NIM%
24.53
24.00
24.20
22.36
23.85
25.57
23.28
24.15
23.65
23.46
19.93
23.65
23.93
44
5.52
Effic. R.%
28.41
26.20
25.80
24.53
25.77
24.76
22.43
19.69
22.02
24.32
5.85
22.43
24.64
27
5.90
Net margin%
8.09
8.22
7.11
9.34
7.53
4.91
4.61
4.99
5.91
4.84
6.82
4.91
6.51
22
11.42
P/E ratio (avg)x
13.17
14.43
13.26
12.51
11.50
11.45
12.72
12.51
12.47
12.64
27.62
12.51
12.58
84
32.73
P/TBVx
12.88
13.81
12.77
11.51
11.69
12.25
13.81
13.86
13.29
14.08
17.79
13.81
13.08
39
11.61
P/Bx
50.04
52.09
61.36
67.71
67.53
68.35
69.42
78.60
89.13
97.38
20.22
78.60
68.03
88
100.7
NII$M
87.45
88.18
86.88
87.14
90.09
91.65
94.95
95.71
98.48
99.31
66.50
1.97%
1.29%
—
16.06
NII grth%
32.27
33.57
32.52
30.64
28.00
25.29
22.55
22.08
22.21
24.15
13.68
22.55
26.64
51
25.55
ROTE%
23.00
21.11
23.19
22.68
22.79
19.95
19.12
18.90
20.81
20.70
7.97
19.95
20.96
51
7.89
Return on equity%
7.35
7.45
4.98
5.16
4.69
7.62
5.67
7.56
7.43
6.19
12.91
7.43
6.77
28
18.22
Return on assets%
14.00
14.19
16.85
19.77
17.80
18.42
19.81
22.28
19.92
22.55
11.00
19.92
19.10
32
2.41
EPS$
4.25
4.88
5.78
6.40
6.61
6.49
6.36
7.40
8.79
8.37
2.49
4.84%
8.05%
—
24.65
EPS growth%
24.71
26.66
27.83
28.79
28.67
31.65
29.92
31.27
34.10
35.08
7.49
31.65
29.36
46
2.92
Bookvalue per sh$
1.95
1.91
2.14
2.38
2.28
2.32
2.42
2.52
2.88
2.79
0.82
4.11%
4.61%
—
2.66
TBV/sh$
2.97
3.13
3.37
3.09
3.04
2.97
2.91
2.61
2.71
2.91
2.09
(0.90%)
0.33%
—
2.55
Dividend per sh$
4.15
4.41
4.94
5.71
5.90
6.44
6.37
6.82
7.77
7.24
2.47
4.18%
6.17%
—
5.16
Div yield (avg)%
10.12
9.98
12.68
11.78
13.17
12.42
12.01
11.19
10.56
12.04
21.16
12.01
11.89
59
9.76
Payout ratio%
28.89
26.53
29.04
29.57
30.37
27.85
27.47
25.23
26.11
24.51
8.98
26.11
27.66
54
17.98
Shares (diluted)M
14.59
12.74
13.54
12.07
10.52
10.74
9.532
9.161
9.320
9.217
18.59
(2.61%)
(4.34%)
7
27.57
Buyback yield%
8.70
10.00
8.96
10.59
13.43
16.14
13.55
12.06
10.98
8.81
3.71
12.06
10.78
9
153.98
Eq/Assets%
171.97
168.44
192.05
191.61
188.40
186.82
181.56
203.26
202.13
226.86
111.74
202.13
190.00
9
11.59
Assets$M
304.8
335.3
360.7
373.1
407.7
455.4
473.2
499.7
546.5
599.0
71.88
8.00%
7.53%
30
9.974
LT debt$M
69.92
82.34
92.81
111.5
125.3
148.8
165.1
174.4
204.0
202.7
108.9
10.10%
11.04%
17
Total assets
$599.0M
7.53%
1.84×
Revenue
$140.9M
1.16%
1.00×
Non-interest expense
$64.38M
0.92%
0.98×
Net interest income
70.49%
Non-interest income
29.51%
Spread over hurdle
18.92%