192.6
Revenue$M
161.6
171.4
180.9
185.6
194.6
205.6
213.7
219.6
226.0
238.4
202.1
4.14%
4.40%
56
7.08
Revenue growth%
24.79
23.50
21.10
22.79
20.17
19.83
20.62
19.50
20.99
18.32
18.44
19.83
20.80
19
14.47
NIM%
9.68
10.01
8.22
10.44
13.34
12.71
14.59
15.92
14.81
14.11
26.57
14.59
13.02
94
9.52
Effic. R.%
4.36
3.66
4.62
6.48
6.58
7.55
6.04
4.12
4.54
3.48
29.94
4.54
4.58
80
27.44
Net margin%
18.00
15.33
17.75
20.10
18.94
18.77
20.98
19.27
20.94
19.40
9.82
19.40
19.11
55
22.18
P/E ratio (avg)x
22.26
25.80
28.02
32.72
36.21
39.58
41.96
48.19
51.63
48.12
15.05
48.12
37.90
88
37.68
P/TBVx
56.96
55.40
57.20
61.38
70.75
70.93
84.36
86.03
98.65
115.9
30.71
86.03
70.84
9
6.280
P/Bx
8.433
7.850
7.826
7.020
6.416
5.723
5.024
4.947
5.233
4.781
22.03
5.024
6.070
32
149.9
NII$M
114.6
119.4
127.2
129.2
136.8
144.6
149.4
154.0
158.2
168.6
87.24
4.26%
4.40%
—
10.53
NII grth%
19.13
19.49
22.33
20.37
17.65
18.46
20.33
21.67
22.11
23.19
18.91
21.67
20.35
71
10.99
ROTE%
28.69
30.94
33.44
33.77
34.31
36.05
35.72
34.65
37.50
37.28
20.61
36.05
34.48
48
13.65
Return on equity%
0.40
0.40
0.40
2.13
0.40
2.19
3.23
5.96
5.22
3.17
5.13
3.23
2.16
13
14.35
Return on assets%
33.33
33.14
34.68
35.87
38.41
36.32
38.98
41.95
44.77
45.74
12.50
41.95
37.36
35
0.67
EPS$
2.58
2.65
2.62
2.69
2.89
3.26
3.42
3.20
3.28
2.96
0.69
0.48%
1.84%
—
27.88
EPS growth%
36.64
39.28
36.79
34.96
35.76
33.71
31.90
33.34
33.15
36.12
7.29
33.34
35.36
58
2.14
Bookvalue per sh$
2.81
2.83
3.07
2.85
3.02
3.14
2.87
2.58
2.32
2.35
1.09
(4.95%)
(0.96%)
—
1.21
TBV/sh$
1.07
1.07
1.11
1.00
1.00
0.91
0.82
0.88
0.80
0.86
1.49
(3.02%)
(3.47%)
—
0.73
Dividend per sh$
2.07
2.33
2.34
2.73
2.97
3.38
3.83
3.66
4.31
4.52
2.22
8.75%
7.66%
—
18.89
Div yield (avg)%
32.92
34.02
34.29
31.86
31.76
29.47
27.37
29.57
30.80
32.89
27.17
29.57
31.81
14
4.06
Payout ratio%
20.13
20.21
18.69
16.88
18.32
20.70
20.70
22.94
22.45
20.59
3.91
20.70
20.40
11
40.60
Shares (diluted)M
40.28
39.87
41.57
42.90
46.97
45.87
44.42
45.83
41.95
37.51
41.91
(4.40%)
(0.23%)
51
12.49
Buyback yield%
17.99
16.89
14.37
12.06
11.59
8.72
8.92
6.66
3.85
2.65
11.04
6.66
10.26
39
78.58
Eq/Assets%
130.21
142.08
157.08
172.72
158.80
170.49
179.49
169.23
185.74
182.14
131.77
179.49
169.86
15
87.33
Assets$M
363.3
394.8
411.0
460.0
493.8
549.9
595.9
645.9
700.6
757.1
73.56
8.92%
8.21%
65
54.66
LT debt$M
22.73
22.57
22.58
21.74
19.32
17.49
18.63
19.34
18.58
16.49
30.70
(3.12%)
(3.55%)
83
Total assets
$757.1M
8.21%
1.43×
Revenue
$238.4M
4.40%
1.00×
Non-interest expense
$119.5M
4.26%
0.99×
Net interest income
70.71%
Non-interest income
29.29%