20.45
Revenue$M
127.7
133.1
141.2
147.9
152.7
157.4
162.3
173.5
185.4
192.9
22.16
4.79%
4.53%
39
25.97
Revenue growth%
28.03
27.86
27.30
25.54
26.32
25.32
28.28
30.21
30.26
30.04
2.50
30.04
27.95
28
13.12
NIM%
15.76
18.73
17.67
19.81
21.22
20.22
19.09
19.73
19.26
19.44
20.47
19.44
19.35
56
20.26
Effic. R.%
11.65
13.20
14.96
15.79
18.53
20.42
18.26
20.32
20.48
19.05
7.23
20.32
18.40
51
2.63
Net margin%
20.25
18.29
17.04
17.30
14.83
12.92
12.70
12.10
9.83
10.41
20.19
12.10
13.88
58
22.41
P/E ratio (avg)x
17.24
16.77
19.04
20.63
23.51
26.28
25.31
27.99
25.91
29.52
32.19
26.28
24.41
62
28.37
P/TBVx
9.713
9.548
8.384
7.418
6.801
5.797
5.018
5.331
5.251
5.380
25.81
5.331
6.299
20
33.07
P/Bx
23.98
27.38
26.43
27.15
27.73
29.62
34.57
35.24
34.63
37.26
28.66
34.63
28.68
5
127.1
NII$M
73.02
74.72
81.23
85.91
85.85
89.30
92.85
97.54
106.4
111.2
126.1
5.30%
4.59%
—
8.10
NII grth%
20.51
19.00
20.03
18.50
16.86
18.95
20.98
21.20
20.75
18.72
17.20
20.75
19.51
40
7.49
ROTE%
20.28
17.67
18.26
15.57
12.93
12.23
13.33
11.51
9.61
12.40
27.46
12.23
13.13
18
24.05
Return on equity%
28.72
27.31
29.97
29.91
29.31
26.68
26.43
26.69
25.99
25.13
5.02
26.43
27.00
84
5.77
Return on assets%
12.09
12.24
12.53
11.69
14.37
17.32
18.26
18.72
17.46
19.14
24.52
18.26
15.85
45
0.08
EPS$
0.14
0.15
0.17
0.21
0.21
0.21
0.20
0.21
0.22
0.25
0.08
3.79%
6.13%
—
17.87
EPS growth%
28.23
26.60
27.38
24.91
26.66
25.22
24.31
23.14
26.14
23.83
23.08
24.31
25.68
9
0.33
Bookvalue per sh$
0.47
0.51
0.54
0.53
0.57
0.66
0.68
0.81
0.98
1.17
0.27
15.74%
10.03%
—
0.17
TBV/sh$
0.14
0.15
0.16
0.18
0.20
0.22
0.22
0.25
0.28
0.29
0.32
7.32%
9.63%
—
0.05
Dividend per sh$
0.23
0.24
0.26
0.27
0.27
0.28
0.27
0.24
0.26
0.29
0.30
2.07%
3.51%
—
24.74
Div yield (avg)%
17.60
18.19
16.30
17.84
20.35
22.50
24.24
22.52
23.88
22.20
20.30
22.52
21.27
45
24.72
Payout ratio%
18.16
15.63
15.48
15.00
17.99
16.64
15.15
14.28
12.41
14.27
24.58
14.28
15.31
91
458.0
Shares (diluted)M
416.7
451.3
415.3
411.1
377.1
378.2
334.7
366.8
353.9
375.8
456.2
(0.07%)
(0.52%)
86
20.58
Buyback yield%
10.53
11.79
13.73
11.26
12.36
10.07
12.21
9.59
6.97
9.29
26.29
9.59
10.89
54
121.09
Eq/Assets%
224.14
211.20
211.82
198.05
222.81
226.91
218.41
198.11
223.03
230.08
109.04
223.03
220.61
30
28.80
Assets$M
319.6
348.4
379.4
416.9
447.3
496.3
554.7
600.4
658.2
694.0
189.7
9.18%
9.01%
75
162.6
LT debt$M
277.4
283.0
318.2
357.6
355.7
370.4
355.3
370.3
430.7
409.0
72.30
2.83%
3.85%
31
Total assets
$694.0M
9.01%
1.52×
Revenue
$192.9M
4.53%
1.00×
Non-interest expense
$91.76M
4.17%
0.97×
Net interest income
57.63%
Non-interest income
42.37%
Spread over hurdle
21.32%