9.337
Revenue$M
60.68
64.19
67.46
70.72
76.48
83.93
91.14
96.09
102.1
110.5
9.630
7.63%
6.79%
11
6.54
Revenue growth%
29.05
31.05
31.89
33.43
30.58
28.30
29.53
27.02
27.74
29.56
27.71
28.30
29.54
69
3.64
NIM%
23.98
21.67
22.43
19.86
22.03
24.29
25.81
26.29
23.54
23.84
16.17
24.29
23.69
55
5.76
Effic. R.%
27.85
27.56
29.56
28.96
31.38
31.45
33.73
36.21
37.02
39.97
25.07
36.21
31.41
11
26.16
Net margin%
15.60
13.09
14.66
14.99
15.26
15.07
15.60
16.82
15.46
13.77
6.09
15.46
15.17
45
27.33
P/E ratio (avg)x
19.23
21.94
23.76
28.29
28.74
34.17
40.36
43.58
43.66
49.37
19.50
43.58
31.46
83
7.098
P/TBVx
29.13
30.09
32.80
35.49
32.96
30.69
28.50
29.96
28.09
25.93
31.66
28.50
30.02
33
16.44
P/Bx
10.98
10.69
11.64
12.50
12.08
11.68
11.31
11.72
11.79
13.25
32.26
11.72
11.70
67
42.47
NII$M
47.87
50.07
52.19
54.98
59.19
66.18
71.82
74.75
80.29
85.27
7.318
7.57%
6.57%
—
27.67
NII grth%
22.85
22.46
20.32
17.67
17.50
17.36
14.83
16.00
18.46
18.81
2.97
17.36
18.07
25
16.27
ROTE%
0.80
0.72
0.40
1.77
0.63
1.45
1.14
0.40
0.40
0.40
26.84
0.40
0.68
17
8.14
Return on equity%
9.31
9.94
12.07
14.94
12.92
13.25
13.79
12.92
10.06
11.56
14.47
12.92
12.49
20
7.88
Return on assets%
25.73
24.21
22.78
20.00
18.31
18.59
18.36
19.42
19.52
20.60
12.14
19.42
19.76
7
4.21
EPS$
5.64
6.41
6.48
6.81
7.21
8.42
9.97
11.73
12.40
14.40
4.36
14.83%
11.67%
—
20.74
EPS growth%
24.57
25.01
23.12
22.52
19.70
17.94
15.56
17.41
15.60
16.80
20.19
16.80
18.82
70
3.59
Bookvalue per sh$
5.22
5.12
5.48
5.60
6.15
6.42
7.35
7.53
8.70
9.13
2.63
8.25%
5.71%
—
2.62
TBV/sh$
2.48
2.64
2.30
1.99
2.10
2.29
2.49
2.16
2.30
2.22
4.23
1.11%
(1.01%)
—
2.63
Dividend per sh$
5.73
6.24
6.88
7.11
7.90
8.87
8.57
8.11
8.35
8.05
2.04
0.38%
3.02%
—
4.08
Div yield (avg)%
11.73
11.00
9.05
6.57
8.43
10.39
13.06
14.53
14.24
15.59
23.44
14.24
11.37
25
24.03
Payout ratio%
25.40
25.26
23.82
24.11
24.67
25.72
24.62
24.85
23.91
25.20
25.03
24.85
24.76
21
16.44
Shares (diluted)M
16.22
14.75
12.43
12.79
13.59
12.18
12.58
11.07
9.505
8.281
16.35
(9.43%)
(6.08%)
42
14.40
Buyback yield%
8.76
8.78
11.73
12.24
13.75
11.54
13.30
13.68
12.00
10.50
7.48
12.00
11.87
57
124.76
Eq/Assets%
49.58
47.09
44.64
45.22
47.48
47.87
45.00
44.06
50.75
55.76
111.66
47.87
47.29
74
116.1
Assets$M
98.36
106.0
117.6
122.1
138.0
144.4
150.5
167.5
189.6
211.9
94.98
8.95%
8.54%
94
106.3
LT debt$M
43.47
40.69
38.36
42.81
48.39
50.13
52.30
57.17
66.10
75.29
36.31
9.24%
5.93%
41
Total assets
$211.9M
8.54%
1.18×
Revenue
$110.5M
6.79%
1.00×
Non-interest expense
$65.48M
7.00%
1.02×
Net interest income
77.19%
Non-interest income
22.81%