50.96
Revenue$M
54.41
53.82
54.23
55.07
56.15
57.62
57.37
58.48
57.95
58.45
52.65
0.81%
0.61%
29
20.65
Revenue growth%
20.35
19.64
19.95
22.23
23.34
23.44
25.22
28.04
26.78
25.99
27.12
25.99
23.39
18
13.42
NIM%
26.21
23.83
21.67
24.32
26.31
23.58
22.84
20.93
20.43
22.24
3.95
22.24
23.21
20
15.06
Effic. R.%
2.42
4.78
5.41
7.81
6.07
3.79
5.23
7.68
8.22
8.84
13.69
7.68
5.74
38
17.49
Net margin%
18.14
15.87
18.69
18.11
19.53
19.16
22.14
19.76
16.79
14.89
22.11
19.16
18.41
40
13.34
P/E ratio (avg)x
10.41
9.978
10.08
9.789
10.64
9.656
10.57
11.86
13.37
13.64
37.56
11.86
10.49
93
29.87
P/TBVx
39.32
39.18
41.20
42.52
47.47
51.04
57.93
60.93
67.17
74.33
29.65
60.93
49.26
25
18.12
P/Bx
34.34
32.67
34.72
30.92
30.21
32.17
30.57
31.26
27.33
25.35
26.84
30.57
31.09
30
11.53
NII$M
37.89
37.10
37.34
37.66
38.90
39.21
39.61
40.37
40.36
39.81
66.58
0.47%
0.62%
—
4.97
NII grth%
24.27
25.79
25.65
26.32
26.12
24.03
26.72
29.24
28.38
28.05
13.27
28.05
26.22
48
23.02
ROTE%
0.40
0.94
0.48
0.99
0.40
1.49
1.09
3.54
0.97
0.40
19.72
1.09
0.95
13
8.86
Return on equity%
31.04
29.15
30.88
31.78
31.22
28.73
28.63
27.27
25.91
27.01
3.57
27.27
28.94
40
17.78
Return on assets%
7.22
9.50
10.78
9.25
7.78
7.42
9.30
11.41
10.42
9.99
28.44
9.99
9.40
76
2.43
EPS$
3.04
3.41
3.85
3.72
3.46
3.24
3.01
3.06
3.09
3.28
2.51
(1.06%)
1.17%
—
26.76
EPS growth%
31.79
31.76
30.06
31.26
33.77
31.70
33.29
35.49
35.45
37.74
24.87
35.45
32.54
28
4.03
Bookvalue per sh$
3.25
3.48
4.02
4.22
4.36
4.58
5.11
5.58
5.86
6.88
3.99
9.51%
8.65%
—
3.56
TBV/sh$
5.33
5.75
6.03
6.25
6.66
7.72
7.83
8.40
8.90
9.94
3.30
8.35%
7.48%
—
2.16
Dividend per sh$
0.89
0.80
0.85
0.74
0.65
0.64
0.56
0.51
0.45
0.40
0.96
(9.45%)
(7.01%)
—
5.56
Div yield (avg)%
6.24
5.65
6.84
4.76
6.34
3.45
5.81
3.44
4.35
6.66
23.14
4.35
5.73
63
10.65
Payout ratio%
13.73
16.66
17.07
16.43
16.08
16.39
16.52
17.01
14.15
13.71
27.70
16.39
16.41
85
8.207
Shares (diluted)M
10.70
10.52
10.48
10.17
11.58
12.26
12.12
13.75
16.34
19.35
8.134
10.82%
6.03%
69
4.39
Buyback yield%
16.47
13.88
15.24
15.68
15.06
12.67
11.60
13.74
15.39
17.34
18.48
13.74
15.15
94
104.48
Eq/Assets%
33.65
35.39
33.06
33.06
30.70
28.07
27.26
26.44
24.33
25.85
143.83
26.44
29.39
28
37.36
Assets$M
95.76
109.7
116.5
128.8
143.1
160.9
176.6
186.6
196.5
212.7
5.613
8.25%
9.27%
38
33.88
LT debt$M
35.96
37.83
40.22
41.67
41.53
47.00
52.33
49.42
47.33
46.39
6.106
2.24%
2.72%
66
Total assets
$212.7M
9.27%
2.28×
Revenue
$58.45M
0.61%
1.00×
Non-interest expense
$35.68M
0.56%
1.00×
Net interest income
68.11%
Non-interest income
31.89%
Spread over hurdle
14.18%