38.28
Revenue$M
83.91
86.64
87.09
90.10
92.20
93.81
94.76
97.02
99.35
103.0
40.23
2.23%
2.52%
39
9.86
Revenue growth%
28.74
31.20
31.43
31.98
30.23
29.09
31.27
29.48
28.38
28.21
10.32
29.09
29.86
53
26.25
NIM%
25.20
23.63
21.53
22.18
23.32
22.45
23.02
22.60
19.84
21.59
28.19
22.45
22.52
80
17.58
Effic. R.%
34.30
35.17
35.80
34.90
33.59
31.66
30.28
29.91
28.56
28.11
20.40
29.91
32.63
63
9.76
Net margin%
26.62
24.03
22.76
21.70
21.73
20.04
22.88
22.37
25.09
22.09
15.09
22.37
22.57
91
36.13
P/E ratio (avg)x
9.396
10.02
10.74
9.940
10.79
11.84
10.75
9.552
10.00
10.73
16.79
10.73
10.37
84
17.01
P/TBVx
13.40
13.44
12.89
11.41
10.32
9.942
10.77
10.52
10.10
10.66
28.77
10.52
10.71
7
18.04
P/Bx
33.27
35.29
34.67
38.66
38.67
44.62
43.93
45.30
44.83
47.87
11.76
44.83
41.30
52
104.6
NII$M
63.91
64.87
65.47
67.73
70.15
71.24
71.22
73.64
75.79
77.41
68.39
1.99%
2.43%
—
21.62
NII grth%
1.01
0.40
0.41
0.40
1.43
1.88
0.53
0.40
0.40
0.40
3.17
0.40
0.40
23
28.36
ROTE%
16.54
17.57
16.60
15.37
15.99
13.52
12.79
13.52
13.34
13.05
12.35
13.34
14.45
16
20.74
Return on equity%
21.43
23.88
20.95
20.66
19.73
17.65
16.35
19.12
18.65
21.34
22.15
18.65
20.19
24
27.13
Return on assets%
25.65
25.87
27.45
30.00
28.68
29.42
27.28
27.08
27.63
29.04
27.15
27.63
27.54
82
1.73
EPS$
2.70
2.73
2.74
3.16
3.01
3.03
2.98
3.38
3.65
3.49
1.88
3.01%
3.67%
—
23.96
EPS growth%
0.96
0.40
0.40
0.40
0.40
0.54
0.40
1.17
1.82
1.30
26.40
1.17
0.47
95
0.92
Bookvalue per sh$
3.26
3.23
3.48
3.38
3.82
4.38
4.42
4.79
5.59
5.79
0.38
8.66%
6.34%
—
0.75
TBV/sh$
0.66
0.70
0.75
0.73
0.64
0.60
0.59
0.61
0.57
0.62
1.01
(0.64%)
(1.99%)
—
0.48
Dividend per sh$
1.74
1.50
1.46
1.42
1.42
1.43
1.27
1.29
1.13
1.16
0.66
(3.93%)
(3.86%)
—
12.23
Div yield (avg)%
2.49
0.45
1.14
1.25
0.40
1.42
0.40
0.49
0.40
0.40
20.36
0.40
0.47
55
2.50
Payout ratio%
14.22
11.83
9.13
8.04
8.65
8.78
10.50
10.51
13.08
10.10
19.19
10.50
10.30
6
27.10
Shares (diluted)M
33.51
34.62
39.59
43.57
51.58
61.88
71.97
77.13
79.08
91.31
27.16
12.10%
10.50%
27
22.11
Buyback yield%
23.08
25.31
28.11
28.99
28.98
27.74
29.13
26.94
24.01
23.91
3.68
26.94
27.34
50
25.61
Eq/Assets%
42.20
44.68
47.01
46.65
51.17
53.48
50.28
56.32
63.39
72.29
145.46
56.32
50.72
79
117.2
Assets$M
453.4
509.2
547.8
594.4
627.3
708.9
791.9
864.4
921.4
932.4
91.97
8.25%
8.88%
29
22.17
LT debt$M
88.21
89.18
90.96
98.07
108.3
123.6
138.3
147.5
145.2
163.9
126.4
8.63%
7.43%
12
Total assets
$932.4M
8.88%
1.83×
Revenue
$103.0M
2.52%
1.00×
Non-interest expense
$60.50M
2.69%
1.02×
Net interest income
75.18%
Non-interest income
24.82%