67.40
Revenue$M
79.80
84.51
87.76
91.32
95.29
102.9
109.4
114.8
119.5
126.4
71.25
5.81%
5.35%
82
27.70
Revenue growth%
23.57
25.14
27.39
29.39
30.37
27.57
30.11
28.41
30.43
31.54
20.05
30.11
28.90
50
12.94
NIM%
0.40
1.00
3.59
3.17
0.49
2.66
5.11
4.69
2.79
2.90
18.68
2.90
2.85
72
26.45
Effic. R.%
7.09
8.76
7.19
4.64
2.58
0.99
0.63
0.40
0.40
2.95
18.06
0.63
2.76
13
12.13
Net margin%
15.60
14.34
15.45
16.63
17.56
19.43
17.32
15.34
12.40
12.61
26.05
15.34
15.53
39
7.719
P/E ratio (avg)x
33.87
35.70
32.09
32.46
34.02
31.05
32.55
33.27
32.95
31.48
13.73
32.55
32.75
58
36.81
P/TBVx
29.47
32.83
34.23
37.92
34.69
35.95
39.50
43.03
45.25
43.13
31.35
43.03
36.93
41
33.63
P/Bx
22.53
26.61
29.73
30.55
35.07
33.94
36.74
35.68
38.64
41.47
34.80
36.74
34.50
67
112.8
NII$M
57.56
60.56
62.94
65.60
69.05
73.49
77.86
81.43
84.86
91.28
26.23
5.74%
5.50%
—
17.37
NII grth%
4.90
4.06
1.89
2.27
4.35
3.11
1.16
2.28
3.69
2.56
8.15
2.56
2.83
94
25.05
ROTE%
31.49
29.90
29.59
28.57
28.85
31.25
33.23
34.18
34.75
36.68
10.71
34.18
31.37
70
14.82
Return on equity%
28.97
26.22
27.82
29.96
32.59
31.45
33.53
32.20
30.14
32.80
10.35
32.20
30.79
43
24.29
Return on assets%
27.27
27.82
28.35
28.78
31.38
32.54
34.52
34.55
31.90
34.05
9.54
34.05
31.64
79
0.30
EPS$
0.80
0.79
0.76
0.80
0.94
0.97
1.10
1.08
1.09
1.24
0.30
5.70%
4.66%
—
12.26
EPS growth%
11.14
11.82
11.07
11.80
10.87
12.88
14.32
13.39
12.99
14.31
15.74
13.39
12.35
76
0.37
Bookvalue per sh$
2.63
2.57
2.91
3.19
3.75
4.07
3.96
4.58
4.58
4.71
1.51
4.66%
5.71%
—
1.70
TBV/sh$
2.17
2.12
2.00
2.03
1.91
1.83
1.81
1.76
1.90
2.04
0.41
1.34%
(0.56%)
—
0.69
Dividend per sh$
2.16
2.28
2.61
2.56
2.86
3.09
3.44
3.25
3.69
3.97
0.93
6.80%
6.08%
—
2.34
Div yield (avg)%
9.64
8.72
10.45
13.27
16.16
15.78
16.30
13.53
15.61
16.27
7.14
15.78
14.57
20
4.98
Payout ratio%
33.54
34.11
35.61
38.07
36.97
34.54
36.29
36.80
37.48
39.70
7.06
36.80
36.55
58
36.66
Shares (diluted)M
38.73
41.71
39.35
35.95
36.43
33.74
36.44
39.27
40.15
37.38
37.11
0.51%
0.16%
25
2.35
Buyback yield%
13.84
12.73
15.50
16.37
19.09
20.33
22.25
21.81
20.97
22.72
7.27
21.81
19.71
88
17.70
Eq/Assets%
82.37
77.85
69.39
60.62
65.25
70.60
75.30
73.84
71.90
71.94
19.41
71.94
71.92
15
135.9
Assets$M
275.7
296.7
319.9
347.0
398.3
422.0
459.8
510.2
561.1
612.3
108.9
8.98%
9.26%
24
122.8
LT debt$M
144.3
149.1
159.2
139.1
120.8
121.4
124.4
108.5
102.0
94.17
46.11
(4.87%)
(3.73%)
36
Total assets
$612.3M
9.26%
1.44×
Revenue
$126.4M
5.35%
1.00×
Non-interest expense
$77.77M
5.42%
1.01×
Net interest income
72.24%
Non-interest income
27.76%