97.62
Revenue$M
51.75
57.51
64.07
69.28
77.20
83.91
90.75
97.85
106.9
116.9
102.0
8.65%
9.55%
90
4.50
Revenue growth%
10.79
11.18
10.84
12.90
10.30
7.72
5.52
6.20
7.66
5.30
6.12
6.20
9.01
40
2.34
NIM%
18.38
15.96
13.05
10.92
13.44
14.16
13.91
13.06
10.17
8.97
13.62
13.06
13.25
59
14.83
Effic. R.%
24.61
25.25
26.37
27.67
25.89
27.09
25.13
25.72
24.64
23.74
6.28
25.13
25.48
55
2.21
Net margin%
11.48
13.31
10.74
8.12
8.79
8.17
11.03
11.36
10.63
12.44
29.78
11.03
10.89
64
9.272
P/E ratio (avg)x
9.837
9.522
8.371
8.035
7.588
7.086
7.284
7.242
6.888
6.860
14.91
7.086
7.436
66
18.72
P/TBVx
15.82
18.24
21.02
22.01
22.06
22.82
22.27
25.14
23.15
25.90
11.22
23.15
22.17
44
15.97
P/Bx
22.90
26.98
27.44
32.42
36.68
42.08
40.98
41.33
41.20
43.58
34.48
41.33
38.83
29
44.10
NII$M
34.74
38.92
43.34
47.08
52.34
56.22
61.91
65.10
71.76
79.44
90.73
8.70%
9.50%
—
18.20
NII grth%
7.87
9.62
11.40
12.85
11.49
11.08
13.66
10.91
8.95
10.56
14.05
10.91
11.00
74
26.48
ROTE%
25.44
24.64
26.00
27.29
25.62
26.22
23.89
24.50
26.09
26.55
17.34
26.09
25.81
83
28.77
Return on equity%
0.79
0.40
0.40
1.79
1.24
3.65
6.04
6.29
3.98
2.55
22.11
3.98
2.17
59
10.67
Return on assets%
26.17
26.32
26.80
25.21
24.76
27.11
27.65
29.90
32.16
30.68
16.42
29.90
26.96
32
2.82
EPS$
4.36
3.93
4.11
3.78
3.85
4.08
3.66
3.81
4.12
4.00
3.07
0.75%
(1.57%)
—
21.19
EPS growth%
4.40
1.56
0.68
1.02
0.40
2.69
4.34
1.92
3.88
1.52
21.03
2.69
1.74
20
1.67
Bookvalue per sh$
2.38
2.51
2.24
2.04
1.86
1.60
1.62
1.52
1.44
1.51
1.86
(4.05%)
(5.25%)
—
6.29
TBV/sh$
2.38
2.47
2.84
3.13
3.68
4.46
5.30
5.21
5.67
6.69
1.58
12.71%
11.85%
—
6.13
Dividend per sh$
1.05
1.06
1.07
1.08
1.12
1.17
1.18
1.09
1.15
1.16
2.65
0.66%
(0.70%)
—
25.03
Div yield (avg)%
27.73
30.42
27.81
29.84
30.78
31.21
30.88
27.98
28.12
28.36
26.42
28.36
29.10
81
22.36
Payout ratio%
14.35
14.49
13.88
16.80
17.42
15.84
18.16
16.79
18.71
20.25
15.28
18.16
16.80
29
15.54
Shares (diluted)M
18.34
18.24
18.12
17.38
18.49
21.60
24.45
26.98
29.96
34.86
16.04
13.52%
6.95%
63
26.87
Buyback yield%
19.64
21.75
20.42
22.61
22.25
22.25
20.72
18.77
16.05
19.00
29.81
19.00
20.57
32
167.07
Eq/Assets%
27.10
25.74
27.97
30.47
27.73
25.49
28.06
28.87
29.32
31.92
77.93
28.87
28.02
15
0.033
Assets$B
0.524
0.564
0.619
0.663
0.744
0.799
0.875
0.927
0.970
1.041
0.040
6.95%
8.22%
31
71.30
LT debt$M
129.5
131.4
132.8
138.2
127.1
120.8
128.0
117.6
121.4
126.0
42.57
(0.17%)
0.13%
44
Total assets
$1.041B
8.22%
0.88×
Revenue
$116.9M
9.55%
1.00×
Non-interest expense
$63.57M
9.63%
1.01×
Net interest income
67.96%
Non-interest income
32.04%