14.52
Revenue$M
124.3
125.8
128.4
130.9
130.6
131.4
132.3
133.5
137.1
142.1
15.07
1.71%
1.37%
91
8.20
Revenue growth%
17.01
19.53
16.55
15.02
16.82
14.64
14.38
11.71
11.51
9.34
19.59
11.71
14.83
34
11.89
NIM%
6.86
5.76
7.83
6.52
4.20
4.00
2.33
4.21
6.36
8.75
28.43
4.21
6.06
53
2.04
Effic. R.%
26.23
26.77
28.40
28.08
25.46
23.53
26.05
25.34
27.55
24.85
28.19
25.34
26.14
63
8.18
Net margin%
20.24
20.91
18.76
19.15
16.31
15.38
14.89
17.63
17.85
17.22
6.66
17.22
17.74
60
15.07
P/E ratio (avg)x
32.73
30.28
30.30
33.24
37.30
38.21
41.20
37.38
36.36
39.66
23.47
38.21
36.83
64
26.40
P/TBVx
45.41
45.64
44.49
50.24
57.95
67.29
67.62
79.45
86.39
94.90
22.10
79.45
62.62
17
28.15
P/Bx
35.69
35.61
36.45
36.02
36.90
42.57
50.28
51.83
55.73
65.84
11.02
51.83
39.74
24
80.64
NII$M
73.58
74.22
76.25
76.01
75.74
77.53
78.37
77.04
81.30
83.74
46.10
2.03%
1.35%
—
28.65
NII grth%
17.37
20.28
18.31
17.94
16.02
17.02
19.16
20.86
21.62
21.16
9.68
20.86
18.74
42
9.63
ROTE%
32.60
32.13
34.53
32.77
34.14
34.35
32.53
33.01
34.52
35.49
14.45
34.35
33.58
92
12.15
Return on equity%
1.88
0.64
2.25
1.13
0.40
0.40
0.40
0.51
0.86
3.57
28.73
0.51
0.75
37
28.00
Return on assets%
17.87
16.20
19.09
18.21
16.54
17.46
15.47
12.50
13.64
11.27
4.83
13.64
16.37
43
0.91
EPS$
0.76
0.83
0.79
0.73
0.75
0.68
0.63
0.60
0.60
0.58
0.96
(5.07%)
(3.79%)
—
26.18
EPS growth%
21.28
18.54
15.80
12.89
13.96
13.96
11.87
13.22
10.51
9.29
26.57
11.87
13.59
35
0.34
Bookvalue per sh$
1.22
1.38
1.44
1.35
1.34
1.38
1.61
1.86
1.86
1.86
0.74
6.86%
3.77%
—
0.74
TBV/sh$
0.86
0.94
0.98
1.15
1.23
1.31
1.46
1.38
1.54
1.51
0.42
4.17%
7.29%
—
0.32
Dividend per sh$
0.83
0.80
0.86
0.82
0.84
0.82
0.93
0.88
0.93
1.02
0.53
3.92%
2.06%
—
29.78
Div yield (avg)%
16.16
17.91
19.77
20.37
20.63
20.84
20.71
18.28
16.77
17.59
22.36
18.28
19.03
90
4.72
Payout ratio%
28.76
31.05
30.32
30.32
28.30
27.18
29.92
27.82
27.99
29.54
10.46
27.99
29.15
40
82.64
Shares (diluted)M
109.3
101.6
105.0
93.64
98.81
93.33
101.5
107.1
107.7
100.2
81.79
0.29%
(0.09%)
89
24.09
Buyback yield%
1.94
0.97
2.32
4.42
4.39
3.99
2.59
2.13
2.23
4.90
22.30
2.59
2.46
13
21.59
Eq/Assets%
253.29
291.40
313.93
365.59
398.42
419.80
448.66
502.78
480.43
508.03
28.20
480.43
409.11
85
11.81
Assets$M
244.9
262.2
283.6
300.0
328.9
361.2
407.4
439.7
485.8
535.3
71.34
10.23%
8.70%
84
4.743
LT debt$M
91.26
91.79
88.77
100.0
102.7
108.4
116.3
112.3
115.5
108.3
8.456
1.08%
2.24%
16
Total assets
$535.3M
8.70%
2.01×
Revenue
$142.1M
1.37%
1.00×
Non-interest expense
$79.07M
1.38%
1.00×
Net interest income
58.92%
Non-interest income
41.08%