42.33
Revenue$M
103.3
103.7
102.6
105.5
105.9
106.1
108.7
107.8
108.7
111.8
45.79
1.09%
0.85%
69
9.58
Revenue growth%
33.23
35.24
32.79
30.03
32.02
30.10
32.11
32.59
32.62
33.29
28.04
32.59
32.60
18
2.94
NIM%
6.46
8.75
9.08
9.58
8.85
8.04
10.99
8.45
6.37
3.72
27.24
8.04
8.60
41
10.82
Effic. R.%
24.88
22.22
21.68
20.05
19.04
18.32
20.50
22.67
24.07
24.82
15.12
22.67
21.95
92
22.44
Net margin%
6.39
5.42
6.38
5.62
5.69
7.53
8.31
8.21
8.57
5.69
8.02
8.21
6.39
20
23.51
P/E ratio (avg)x
18.73
18.15
17.99
19.14
20.73
18.13
16.18
16.35
15.53
15.20
35.92
16.18
18.06
91
19.87
P/TBVx
37.55
35.92
36.35
42.66
50.00
57.07
54.94
63.71
64.56
62.08
7.413
62.08
52.47
47
33.74
P/Bx
6.349
5.593
5.569
5.981
5.901
5.747
5.382
5.173
5.502
5.183
24.92
5.382
5.581
90
46.70
NII$M
63.53
64.10
62.79
64.49
64.24
64.47
65.26
65.74
65.85
68.53
85.56
1.30%
0.99%
—
13.63
NII grth%
29.71
31.94
29.63
29.75
30.60
28.83
30.36
31.85
29.78
27.30
23.77
29.78
29.77
58
24.17
ROTE%
0.40
0.87
0.40
1.86
1.60
2.94
1.96
2.90
4.43
6.59
12.32
2.94
1.91
33
20.74
Return on equity%
0.40
2.90
0.40
0.40
0.40
0.40
1.41
1.01
1.13
2.50
25.28
1.13
0.70
10
12.41
Return on assets%
4.87
6.20
7.61
8.08
10.84
13.62
16.13
13.31
12.50
14.11
17.38
13.62
11.67
38
1.10
EPS$
3.23
3.83
4.17
4.53
5.28
5.99
6.88
7.42
7.82
8.69
1.22
10.49%
11.07%
—
11.16
EPS growth%
11.55
9.23
7.16
4.46
7.02
8.37
9.96
9.55
6.63
3.84
4.76
8.37
7.76
89
1.46
Bookvalue per sh$
0.53
0.52
0.51
0.51
0.56
0.59
0.60
0.62
0.59
0.58
1.03
0.60%
0.63%
—
0.72
TBV/sh$
2.53
2.82
2.88
2.92
3.41
4.08
4.59
5.26
5.75
5.91
0.51
11.64%
10.37%
—
2.07
Dividend per sh$
0.56
0.55
0.54
0.56
0.56
0.55
0.51
0.56
0.53
0.60
1.57
1.29%
(0.21%)
—
21.14
Div yield (avg)%
7.40
9.49
8.89
7.89
5.79
8.78
7.51
6.07
4.68
6.36
5.75
6.36
7.45
91
7.79
Payout ratio%
16.97
18.97
21.45
23.08
22.40
23.12
25.13
26.73
27.11
25.86
15.02
25.86
23.10
35
39.24
Shares (diluted)M
51.38
48.78
43.76
42.39
39.72
34.41
35.55
37.65
32.77
33.85
38.57
(3.14%)
(3.27%)
44
18.00
Buyback yield%
0.79
2.85
3.16
5.51
7.33
6.29
8.81
7.98
8.88
11.80
10.12
8.81
6.81
93
160.98
Eq/Assets%
201.74
189.85
182.28
212.30
202.08
210.62
222.95
222.91
218.75
232.09
154.53
222.91
211.46
36
93.71
Assets$M
234.0
260.0
288.9
299.4
342.1
365.4
386.0
424.8
451.1
490.9
6.157
7.49%
8.67%
16
8.524
LT debt$M
62.86
65.55
67.06
63.44
64.98
67.77
73.86
81.92
77.94
85.19
115.5
5.57%
2.48%
66
Total assets
$490.9M
8.67%
2.11×
Revenue
$111.8M
0.85%
1.00×
Non-interest expense
$62.82M
1.02%
1.02×
Net interest income
61.27%
Non-interest income
38.73%