11.85
Revenue$M
176.0
176.5
177.4
180.4
185.1
189.0
193.0
191.8
195.0
195.8
12.72
1.14%
1.19%
10
18.69
Revenue growth%
21.62
19.71
19.54
19.95
17.03
19.63
20.73
18.89
21.83
21.96
20.69
20.73
19.83
76
10.62
NIM%
20.43
20.43
20.37
20.07
18.00
19.88
20.16
19.44
19.33
21.91
25.08
19.88
20.12
33
10.85
Effic. R.%
10.07
7.44
5.49
7.87
7.98
6.08
5.63
2.97
2.84
5.46
26.28
5.46
5.86
55
9.66
Net margin%
16.42
15.05
17.80
18.46
19.91
21.70
20.38
17.65
15.72
17.56
19.84
17.65
17.73
60
34.86
P/E ratio (avg)x
28.56
32.00
35.21
37.16
39.19
35.37
38.62
38.49
38.43
41.55
16.41
38.49
37.79
27
35.79
P/TBVx
17.75
17.27
17.46
16.90
17.00
16.33
15.41
17.11
17.12
19.02
28.95
17.11
17.11
63
7.905
P/Bx
33.52
33.10
32.65
36.16
38.67
41.25
46.45
49.11
48.23
45.65
24.16
46.45
39.96
30
14.93
NII$M
121.9
119.5
120.3
124.6
126.2
127.8
132.0
130.6
132.8
133.9
118.5
1.20%
1.31%
—
22.55
NII grth%
10.38
11.53
14.36
13.95
15.67
12.93
14.27
16.35
16.39
14.95
23.99
14.95
14.32
66
23.61
ROTE%
0.40
0.40
2.17
0.40
0.40
0.61
1.97
0.40
0.40
0.94
22.04
0.61
0.40
75
28.53
Return on equity%
16.15
15.84
13.42
11.77
11.86
11.46
11.42
14.05
11.45
12.05
23.69
11.46
11.96
33
28.09
Return on assets%
29.85
27.19
29.94
31.13
31.53
34.39
31.91
31.13
32.03
29.95
19.67
31.91
31.13
84
0.22
EPS$
0.86
0.78
0.76
0.75
0.82
0.91
0.79
0.70
0.62
0.57
0.23
(7.05%)
(3.50%)
—
3.73
EPS growth%
6.60
5.92
7.59
6.30
6.08
6.21
3.42
1.01
0.40
0.40
2.94
1.01
6.00
76
0.25
Bookvalue per sh$
0.64
0.70
0.71
0.76
0.81
0.86
0.90
0.86
0.77
0.82
0.35
0.14%
0.97%
—
1.19
TBV/sh$
1.38
1.50
1.71
1.78
1.72
1.76
1.85
2.01
2.09
1.92
1.36
2.24%
3.17%
—
0.38
Dividend per sh$
0.33
0.37
0.35
0.32
0.34
0.37
0.38
0.41
0.43
0.43
0.83
4.81%
2.42%
—
17.90
Div yield (avg)%
13.78
16.72
14.95
12.58
10.30
8.92
9.46
10.00
12.95
11.41
19.89
10.00
11.99
42
25.03
Payout ratio%
24.28
21.61
21.58
22.79
21.77
22.47
24.61
27.34
25.23
24.59
5.47
24.61
23.53
84
78.92
Shares (diluted)M
109.0
118.6
117.1
123.1
143.4
146.9
173.1
172.1
195.0
194.5
77.11
6.28%
6.38%
85
27.27
Buyback yield%
3.68
1.71
0.40
1.57
2.49
5.10
3.53
2.28
1.93
1.45
5.30
2.28
2.11
82
88.71
Eq/Assets%
167.22
155.15
147.20
136.86
136.26
122.10
122.73
118.70
104.23
108.78
124.49
118.70
129.49
12
15.67
Assets$M
210.8
227.7
238.0
253.5
273.2
295.0
303.9
330.9
352.1
382.8
75.84
6.98%
7.26%
14
90.13
LT debt$M
19.92
19.08
19.89
18.56
18.11
16.34
17.76
17.99
17.23
15.82
49.23
(2.67%)
(2.03%)
17
Total assets
$382.8M
7.26%
1.79×
Revenue
$195.8M
1.19%
1.00×
Non-interest expense
$116.7M
1.02%
0.98×
Net interest income
68.39%
Non-interest income
31.61%