16.59
Revenue$M
165.3
179.9
189.4
201.6
216.6
231.9
244.6
260.2
274.7
17.25
18.10
6.38%
7.04%
12
20.18
Revenue growth%
22.12
21.98
22.31
23.92
23.74
20.85
18.34
20.68
23.09
21.82
25.26
20.85
22.21
78
13.73
NIM%
0.40
3.13
4.29
5.59
3.75
1.62
1.34
0.40
0.40
16.13
17.49
1.34
2.15
43
14.28
Effic. R.%
6.71
7.37
5.52
6.88
8.94
11.04
13.49
13.85
13.78
23.68
13.38
13.49
8.15
74
23.77
Net margin%
27.95
26.78
29.05
31.34
32.80
30.54
28.18
29.26
30.82
19.84
26.96
30.54
29.39
63
18.83
P/E ratio (avg)x
4.970
5.447
5.500
5.684
5.583
5.910
5.912
5.208
5.645
21.18
15.56
5.645
5.542
70
6.929
P/TBVx
18.04
17.32
17.15
15.62
14.97
14.16
14.17
13.81
14.97
27.89
29.25
14.17
15.29
7
31.29
P/Bx
16.64
17.75
15.92
16.73
18.45
19.82
20.49
22.02
20.20
6.427
22.11
20.20
18.10
18
144.0
NII$M
124.5
134.2
142.7
150.3
163.0
173.3
181.6
195.7
206.4
33.76
203.9
6.55%
7.05%
—
12.27
NII grth%
16.74
18.41
18.49
16.18
15.41
15.15
17.03
16.43
15.39
9.32
12.21
15.41
16.31
94
4.18
ROTE%
16.35
16.99
18.77
21.44
19.10
20.29
18.90
21.57
23.94
15.93
14.73
20.29
19.00
90
21.24
Return on equity%
20.60
22.68
25.36
27.72
25.19
24.79
27.64
26.36
23.41
28.94
6.90
25.19
24.99
75
21.15
Return on assets%
21.10
20.40
21.93
18.97
17.41
14.79
16.63
13.89
12.74
6.84
23.74
14.79
18.19
45
2.08
EPS$
1.58
1.55
1.67
1.53
1.66
1.43
1.27
1.31
1.38
2.22
2.24
(2.09%)
(3.25%)
—
29.96
EPS growth%
16.82
17.32
18.24
17.84
17.49
18.16
16.23
18.14
18.78
18.57
15.35
18.14
17.99
49
1.75
Bookvalue per sh$
1.44
1.28
1.20
1.28
1.30
1.19
1.23
1.12
1.05
3.08
2.07
(3.97%)
(5.13%)
—
3.72
TBV/sh$
3.20
2.86
2.86
2.63
2.82
2.52
2.50
2.66
2.75
3.25
1.76
0.87%
(0.30%)
—
2.22
Dividend per sh$
1.08
0.96
0.97
0.99
0.91
0.93
0.94
0.95
1.00
1.23
2.47
0.19%
(2.85%)
—
27.39
Div yield (avg)%
2.10
1.14
0.40
0.40
2.52
0.40
0.94
1.17
0.40
24.32
13.73
0.94
0.67
30
10.50
Payout ratio%
28.77
28.50
26.92
27.00
25.56
23.50
25.44
24.03
21.34
17.27
18.16
24.03
26.24
43
32.68
Shares (diluted)M
40.92
45.83
53.28
60.42
66.93
68.30
63.04
66.55
68.17
32.17
31.57
2.44%
6.85%
15
14.70
Buyback yield%
20.69
21.81
22.87
21.87
23.30
21.33
21.55
22.68
24.09
10.02
28.06
22.68
21.84
41
62.48
Eq/Assets%
44.84
49.40
47.60
46.00
51.14
57.72
57.26
61.64
57.68
20.94
57.36
57.68
50.27
52
0.108
Assets$B
0.743
0.818
0.852
0.983
1.037
1.077
1.170
1.266
1.386
0.012
0.229
7.12%
8.11%
7
27.08
LT debt$M
77.27
87.88
106.1
104.6
124.3
123.4
144.5
162.7
172.9
161.5
130.3
10.57%
9.94%
18
Total assets
$1.386B
8.11%
1.10×
Revenue
$274.7M
7.04%
1.00×
Non-interest expense
$130.9M
7.06%
1.00×
Net interest income
75.15%
Non-interest income
24.85%