622.0
Revenue$M
322.1
344.0
377.1
409.5
448.4
480.6
513.8
560.0
601.3
634.7
692.3
7.20%
7.97%
60
10.22
Revenue growth%
2.21
2.02
2.49
2.67
2.83
3.11
5.53
7.13
6.26
6.52
4.47
6.26
2.97
63
29.38
NIM%
22.02
23.99
22.00
23.56
25.41
25.37
25.00
25.10
27.87
30.10
9.53
25.37
25.05
69
16.80
Effic. R.%
18.46
19.21
20.74
23.47
21.53
24.09
21.57
22.63
25.55
24.40
15.13
24.09
22.10
39
18.87
Net margin%
16.08
15.20
15.84
18.25
19.73
18.69
18.53
21.11
19.96
20.67
27.75
19.96
18.61
42
23.64
P/E ratio (avg)x
12.17
10.52
9.683
10.11
8.712
8.938
9.658
9.812
10.24
10.03
8.133
9.812
9.920
10
32.01
P/TBVx
6.387
6.296
6.029
6.512
7.231
6.535
5.877
5.998
5.968
5.879
28.64
5.968
6.163
91
15.52
P/Bx
21.30
22.26
22.59
23.77
27.06
30.42
30.39
29.26
33.23
37.89
28.64
30.42
28.16
83
175.0
NII$M
219.2
239.9
262.8
278.5
310.1
328.2
355.5
383.6
414.1
431.9
500.9
6.85%
7.95%
—
20.61
NII grth%
17.33
15.36
12.97
12.51
14.75
14.03
11.98
10.02
8.47
10.53
14.20
10.53
12.74
93
19.29
ROTE%
8.88
7.77
7.46
6.74
6.26
6.82
6.53
5.34
4.48
5.84
19.03
5.84
6.64
94
3.35
Return on equity%
6.77
8.83
9.05
10.37
7.50
9.51
6.93
6.32
9.19
8.29
2.50
8.29
8.56
86
2.94
Return on assets%
14.83
12.40
12.41
11.41
11.32
12.14
13.13
11.85
14.63
11.92
14.81
12.14
12.27
34
18.50
EPS$
21.39
24.13
22.80
22.71
24.01
24.04
24.95
26.46
24.59
28.14
20.39
3.23%
4.04%
—
7.24
EPS growth%
13.04
15.33
13.96
11.58
10.96
13.93
13.52
13.58
14.95
13.80
27.83
13.80
13.69
86
20.26
Bookvalue per sh$
13.47
13.84
15.05
15.98
18.90
19.57
22.06
25.35
30.24
31.94
15.31
11.07%
8.82%
—
13.68
TBV/sh$
31.79
29.75
28.40
30.89
33.49
36.88
42.71
42.17
44.37
44.60
12.18
5.90%
3.37%
—
10.57
Dividend per sh$
13.53
14.37
16.87
18.93
20.10
21.54
21.20
24.12
25.41
25.11
7.48
4.55%
6.75%
—
8.81
Div yield (avg)%
28.54
26.34
25.21
23.36
22.73
23.57
25.35
27.16
25.25
27.39
20.94
25.35
25.30
70
13.72
Payout ratio%
32.88
30.16
30.92
31.51
28.88
31.47
32.14
35.01
33.79
30.89
21.82
32.14
31.49
46
18.18
Shares (diluted)M
21.01
22.66
21.17
23.77
23.39
24.37
23.87
22.98
25.44
26.49
18.05
2.52%
2.67%
87
11.49
Buyback yield%
7.33
5.05
5.69
7.74
6.88
7.53
10.52
7.55
9.77
6.89
21.02
7.55
7.43
47
29.26
Eq/Assets%
36.62
38.88
39.07
34.48
34.40
35.17
30.41
27.54
28.99
25.76
82.71
28.99
34.44
71
0.322
Assets$B
1.306
1.419
1.503
1.615
1.742
1.914
2.160
2.339
2.639
2.792
0.581
9.89%
9.01%
8
0.432
LT debt$B
0.955
1.134
1.229
1.379
1.594
1.755
1.776
1.802
1.846
2.034
0.577
5.00%
7.57%
35
Total assets
$2.792B
9.01%
1.10×
Revenue
$634.7M
7.97%
1.00×
Non-interest expense
$379.9M
7.98%
1.00×
Net interest income
68.05%
Non-interest income
31.95%