18.05
Revenue$M
35.86
39.03
42.89
46.11
48.89
53.79
58.42
64.22
69.34
74.19
18.87
8.70%
8.53%
49
7.71
Revenue growth%
24.38
24.80
27.25
28.59
27.83
28.05
30.90
31.84
29.42
26.76
29.33
29.42
27.94
37
8.65
NIM%
10.42
10.69
10.25
12.94
13.14
13.08
15.77
13.85
13.40
13.58
11.70
13.58
13.11
51
8.18
Effic. R.%
8.44
7.24
7.41
10.14
12.76
14.75
13.25
12.31
9.33
11.29
19.88
12.31
10.72
33
18.63
Net margin%
23.14
24.46
26.45
29.40
29.07
31.11
31.38
33.90
35.78
34.67
13.35
33.90
30.26
58
29.68
P/E ratio (avg)x
25.51
24.09
24.27
23.32
21.63
19.83
19.39
19.29
16.88
15.65
14.96
19.29
20.73
20
9.380
P/TBVx
20.36
19.77
17.49
18.99
19.43
19.82
18.61
19.43
21.62
21.89
9.498
19.82
19.60
90
21.19
P/Bx
10.24
11.64
13.86
13.99
16.46
17.79
18.65
20.11
22.98
24.54
13.39
20.11
17.13
88
27.85
NII$M
26.45
29.21
31.30
34.15
36.41
40.13
43.81
48.08
51.41
54.26
28.86
8.30%
8.44%
—
11.88
NII grth%
23.25
22.89
21.47
21.28
23.37
23.51
21.89
23.75
25.07
23.15
8.40
23.51
23.20
89
21.45
ROTE%
16.38
18.22
16.79
17.87
15.13
13.88
12.97
10.06
10.99
11.59
4.90
11.59
14.51
47
7.33
Return on equity%
24.35
26.48
25.76
27.54
28.30
30.97
32.97
30.08
28.43
29.71
12.25
30.08
28.37
90
11.00
Return on assets%
26.39
27.15
25.44
27.07
25.15
27.42
29.31
29.83
30.18
31.37
7.13
29.83
27.29
44
2.24
EPS$
1.85
1.79
1.93
2.01
2.32
2.29
2.58
2.90
3.19
3.26
2.29
7.02%
7.36%
—
12.51
EPS growth%
12.78
12.10
11.62
9.23
9.90
9.11
7.17
7.37
6.61
8.86
8.45
7.37
9.17
22
1.80
Bookvalue per sh$
4.23
4.21
4.53
4.04
4.26
4.36
4.67
4.34
4.85
4.84
3.48
2.58%
0.30%
—
1.97
TBV/sh$
1.37
1.41
1.43
1.43
1.34
1.27
1.41
1.57
1.77
1.86
3.27
6.85%
4.37%
—
1.10
Dividend per sh$
5.16
4.80
5.44
5.13
5.65
5.48
5.02
5.17
5.71
5.26
3.60
(1.44%)
(0.17%)
—
16.93
Div yield (avg)%
11.24
9.63
9.30
9.46
6.54
6.54
8.96
9.76
12.69
12.48
15.69
9.76
9.55
69
14.38
Payout ratio%
20.88
20.28
22.81
20.64
17.73
16.71
18.95
21.49
20.45
22.69
12.41
20.45
20.54
17
11.88
Shares (diluted)M
14.04
15.07
16.28
16.16
15.05
16.79
16.06
15.41
14.07
14.36
11.89
(0.92%)
(0.06%)
24
22.76
Buyback yield%
3.58
6.40
8.78
8.22
7.11
4.49
3.96
2.27
2.71
0.40
6.29
2.71
4.22
33
133.62
Eq/Assets%
10.67
11.20
11.54
10.69
11.02
9.95
9.42
9.16
8.70
7.82
38.92
9.16
10.31
9
8.836
Assets$M
189.7
197.3
209.4
233.1
254.4
277.7
317.2
356.0
377.3
417.8
45.03
10.43%
9.29%
25
64.25
LT debt$M
36.89
35.88
32.62
32.35
32.11
35.64
37.91
37.61
38.02
41.50
51.90
5.26%
1.46%
39
Total assets
$417.8M
9.29%
1.07×
Revenue
$74.19M
8.53%
1.00×
Non-interest expense
$39.46M
8.33%
0.98×
Net interest income
73.13%
Non-interest income
26.87%