16.72
Revenue$M
104.9
107.5
113.1
120.3
122.8
127.2
133.6
139.9
148.9
157.7
18.08
5.13%
4.74%
37
28.43
Revenue growth%
9.92
8.88
6.51
3.66
6.43
6.77
6.85
5.52
3.16
3.27
25.12
5.52
6.47
14
14.66
NIM%
11.86
12.95
13.35
12.10
13.91
13.74
16.68
18.60
21.15
24.01
17.06
18.60
13.83
58
23.00
Effic. R.%
22.44
24.74
22.75
25.06
22.77
20.43
19.54
17.79
20.00
19.71
22.17
19.71
21.43
8
5.64
Net margin%
10.54
13.01
11.03
13.41
14.94
15.72
14.78
14.73
12.65
10.16
19.30
14.73
13.21
49
31.64
P/E ratio (avg)x
31.93
33.99
34.85
37.21
34.50
31.35
30.28
32.51
34.12
31.44
15.01
31.44
33.25
78
34.74
P/TBVx
11.94
13.88
15.82
15.88
16.57
16.59
17.54
20.03
23.65
24.88
9.486
20.03
16.58
63
11.69
P/Bx
10.42
10.13
9.933
10.54
11.77
13.37
13.99
13.65
12.66
12.59
31.35
13.37
12.18
36
90.92
NII$M
72.05
74.37
77.42
82.08
84.14
87.67
92.64
96.70
102.1
109.1
134.5
5.33%
4.83%
—
26.50
NII grth%
14.54
15.89
15.52
14.37
12.74
15.38
18.32
18.08
16.81
16.03
17.92
16.81
15.70
5
28.51
ROTE%
4.70
4.59
2.24
1.96
0.40
0.40
2.18
2.22
4.13
6.08
27.96
2.22
2.23
40
4.97
Return on equity%
19.57
18.30
15.65
16.80
19.24
19.38
17.85
17.03
18.64
21.57
20.61
18.64
18.47
44
2.95
Return on assets%
9.78
12.44
14.31
15.77
17.19
16.33
17.56
18.30
16.82
18.91
20.81
17.56
16.57
33
1.99
EPS$
2.88
3.23
3.18
3.23
3.51
4.10
4.32
4.24
4.55
4.81
2.15
6.49%
5.76%
—
5.30
EPS growth%
21.26
20.90
18.82
17.76
15.12
12.18
10.40
9.30
8.84
7.62
3.79
9.30
13.65
74
0.53
Bookvalue per sh$
0.75
0.85
0.96
1.06
1.00
0.95
0.88
1.00
1.04
0.98
0.45
(0.51%)
2.81%
—
1.98
TBV/sh$
3.61
4.20
4.86
5.67
6.32
6.95
8.30
8.28
8.40
9.86
1.61
9.32%
11.67%
—
0.43
Dividend per sh$
1.83
2.08
2.36
2.34
2.66
2.57
2.74
3.00
3.16
3.27
1.47
4.24%
7.75%
—
29.47
Div yield (avg)%
13.81
14.69
13.46
14.44
16.89
14.12
14.92
17.29
17.60
20.00
10.75
17.29
14.81
85
15.33
Payout ratio%
24.31
22.44
19.45
22.04
20.90
18.66
20.33
17.62
16.79
17.34
22.87
17.62
19.89
39
35.47
Shares (diluted)M
67.15
73.70
83.17
97.35
96.23
115.5
118.8
134.1
144.4
142.1
33.83
8.10%
9.55%
47
25.48
Buyback yield%
20.79
17.94
17.27
15.45
17.59
15.56
17.14
19.80
18.50
18.87
14.54
18.50
17.77
45
75.35
Eq/Assets%
73.70
75.38
68.12
65.51
62.61
56.56
55.06
54.02
52.22
49.98
122.86
54.02
59.59
62
117.4
Assets$M
72.86
76.58
83.54
89.43
100.8
104.1
113.5
117.9
132.4
143.7
74.07
7.35%
8.35%
81
88.11
LT debt$M
69.05
77.98
74.21
83.67
81.92
90.87
103.4
109.6
109.7
122.2
62.53
8.34%
6.95%
30
Total assets
$143.7M
8.35%
1.40×
Revenue
$157.7M
4.74%
1.00×
Non-interest expense
$81.13M
5.08%
1.03×
Net interest income
69.18%
Non-interest income
30.82%
Return on capital
113.92%