106.0
Revenue$M
129.9
142.7
151.6
164.0
180.8
198.8
211.5
226.6
249.0
273.4
111.2
8.62%
8.46%
89
13.03
Revenue growth%
10.85
8.53
5.90
5.49
5.66
5.62
5.77
3.64
5.72
8.23
17.61
5.72
5.74
57
8.02
NIM%
25.45
23.56
24.75
23.64
21.52
21.73
22.25
19.57
21.20
20.90
27.79
21.20
21.99
84
29.47
Effic. R.%
12.89
12.47
13.52
12.33
14.10
14.78
15.46
14.83
14.98
13.44
13.51
14.83
13.81
7
11.19
Net margin%
21.19
21.28
19.58
22.46
25.35
23.51
23.85
22.37
25.32
24.01
20.32
23.85
22.98
34
13.54
P/E ratio (avg)x
19.44
19.16
18.32
16.47
14.47
12.92
12.71
12.49
11.68
12.12
22.81
12.49
13.70
60
23.73
P/TBVx
16.24
16.51
16.72
18.06
16.69
14.36
12.63
13.39
13.90
13.71
18.87
13.71
15.30
33
26.10
P/Bx
34.05
40.05
42.76
50.80
51.99
52.38
56.92
64.61
72.96
81.53
15.54
64.61
52.19
35
207.6
NII$M
76.70
82.93
88.81
97.01
107.4
118.3
122.6
133.4
148.0
159.4
165.8
8.22%
8.47%
—
18.42
NII grth%
19.00
18.56
21.35
24.11
24.55
27.27
30.23
30.60
29.97
27.93
12.19
29.97
25.91
10
8.81
ROTE%
32.62
35.05
36.52
33.53
32.50
35.43
36.32
33.89
31.07
29.62
24.73
33.89
33.71
22
12.58
Return on equity%
15.64
17.70
17.07
17.94
20.85
22.79
20.87
20.40
20.92
21.12
5.15
20.92
20.62
90
15.69
Return on assets%
35.11
32.22
32.82
31.82
34.12
36.95
36.83
34.57
35.63
34.59
15.13
35.63
34.58
22
3.41
EPS$
6.16
5.55
5.92
6.43
6.09
6.17
6.21
6.29
6.75
6.98
3.79
2.78%
1.74%
—
29.31
EPS growth%
28.24
29.64
28.22
26.17
25.52
24.98
22.94
20.72
21.49
22.07
21.79
22.07
25.25
58
1.53
Bookvalue per sh$
4.95
5.08
6.07
6.11
6.87
8.03
8.17
8.01
9.28
9.90
1.63
7.57%
7.82%
—
2.75
TBV/sh$
7.09
7.52
7.40
8.61
8.45
8.97
9.74
9.73
10.26
11.42
4.31
6.20%
6.55%
—
4.28
Dividend per sh$
2.37
2.61
2.62
3.16
3.76
4.15
4.71
4.60
4.55
4.46
5.75
3.47%
7.12%
—
7.00
Div yield (avg)%
23.28
24.09
26.90
25.74
26.29
26.42
24.85
25.49
25.60
23.60
11.39
25.49
25.55
66
13.15
Payout ratio%
20.42
22.43
19.54
18.92
21.86
23.88
24.96
22.97
21.34
19.86
28.88
22.97
21.60
88
44.57
Shares (diluted)M
42.98
38.30
36.37
37.75
34.64
36.89
36.37
37.99
33.58
28.45
44.11
(3.86%)
(4.45%)
85
10.75
Buyback yield%
12.96
12.30
13.42
15.88
17.50
15.90
18.19
16.01
14.23
12.54
11.16
15.90
15.05
23
157.51
Eq/Assets%
183.42
188.88
197.64
190.64
201.39
224.35
253.30
256.35
260.22
289.37
140.30
256.35
212.87
71
48.95
Assets$M
435.0
468.5
529.2
556.2
590.9
644.4
682.5
726.7
789.3
845.0
147.2
7.42%
8.12%
66
78.15
LT debt$M
25.01
27.88
27.92
26.70
26.65
28.05
29.53
30.20
29.83
33.73
236.2
4.82%
4.49%
51
Total assets
$845.0M
8.12%
0.97×
Revenue
$273.4M
8.46%
1.00×
Non-interest expense
$137.5M
8.67%
1.02×
Net interest income
58.31%
Non-interest income
41.69%