243.2
Revenue$M
293.9
305.8
319.2
332.6
341.2
352.0
372.8
388.9
416.1
436.8
251.8
5.07%
4.72%
24
2.81
Revenue growth%
21.78
20.39
20.41
22.50
21.61
23.59
25.01
24.72
22.86
20.93
24.23
23.59
22.14
70
18.93
NIM%
14.64
14.28
16.70
15.80
16.35
18.46
21.26
19.19
21.13
22.65
2.53
21.13
17.58
89
14.23
Effic. R.%
18.08
15.83
13.47
13.54
15.15
14.03
16.46
17.37
17.09
19.41
17.15
17.09
16.15
64
8.78
Net margin%
11.40
8.68
7.91
9.38
7.08
6.28
3.69
1.06
0.40
0.40
11.09
1.06
6.68
26
11.96
P/E ratio (avg)x
51.54
58.77
65.68
61.76
61.53
69.62
64.97
68.47
67.53
68.29
10.45
68.29
65.32
69
19.71
P/TBVx
20.82
21.24
20.93
22.35
22.93
25.43
25.45
27.67
29.91
29.74
8.824
27.67
24.18
90
32.10
P/Bx
26.30
25.33
21.69
22.89
19.74
17.22
16.93
16.37
15.08
16.29
32.92
16.37
18.48
23
336.2
NII$M
229.2
236.0
246.7
255.5
259.9
273.4
285.0
298.4
318.5
335.0
338.5
5.21%
4.54%
—
8.69
NII grth%
10.09
10.56
8.44
5.47
5.73
5.61
5.61
5.61
8.06
9.73
29.69
5.61
6.89
28
16.89
ROTE%
22.66
22.86
23.28
20.37
22.79
25.38
26.65
26.79
28.50
29.64
19.37
26.79
24.33
56
2.99
Return on equity%
25.62
22.85
25.55
25.15
24.61
26.38
25.85
26.40
25.80
28.65
27.74
26.38
25.71
38
5.48
Return on assets%
19.15
18.48
18.25
16.90
15.04
13.85
13.30
12.10
13.99
14.18
21.25
13.85
14.61
9
0.05
EPS$
0.06
0.05
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.07
0.05
3.91%
2.10%
—
4.94
EPS growth%
15.94
18.11
16.53
15.68
16.50
14.97
17.35
17.15
19.57
20.36
3.24
17.35
16.84
73
0.07
Bookvalue per sh$
0.35
0.34
0.31
0.33
0.33
0.30
0.33
0.31
0.31
0.30
0.23
(2.03%)
(0.55%)
—
0.11
TBV/sh$
0.20
0.18
0.19
0.17
0.15
0.14
0.15
0.16
0.17
0.18
0.10
3.22%
(1.11%)
—
0.25
Dividend per sh$
0.04
0.05
0.04
0.04
0.03
0.03
0.03
0.03
0.03
0.03
0.12
(1.30%)
(2.62%)
—
12.20
Div yield (avg)%
24.68
26.05
24.92
26.81
28.04
26.48
25.67
27.40
24.94
26.50
2.85
26.48
26.26
46
2.57
Payout ratio%
18.10
18.65
19.14
17.57
15.93
13.46
12.46
10.14
11.32
9.51
23.57
11.32
14.69
63
1.638
Shares (diluted)B
1.761
2.024
2.188
2.179
2.063
2.210
2.541
2.378
2.501
2.657
1.622
5.19%
4.98%
17
23.07
Buyback yield%
18.44
18.06
20.89
19.60
19.13
21.11
23.26
24.55
25.89
26.87
18.18
24.55
21.00
29
40.80
Eq/Assets%
159.68
156.43
147.02
150.72
152.62
143.56
147.04
127.14
125.53
132.12
18.92
132.12
147.03
80
236.4
Assets$M
436.6
455.4
496.5
544.0
565.7
638.9
725.0
769.7
853.7
921.5
287.2
10.25%
8.91%
25
0.352
LT debt$B
0.592
0.636
0.743
0.811
0.771
0.797
0.804
0.898
0.928
1.006
0.342
5.46%
5.85%
37
Total assets
$921.5M
8.91%
1.48×
Revenue
$436.8M
4.72%
1.00×
Non-interest expense
$220.4M
4.87%
1.02×
Net interest income
76.68%
Non-interest income
23.32%