526.6
Revenue$M
392.2
408.0
435.3
462.7
481.3
502.7
520.8
553.0
591.9
627.3
555.4
5.44%
5.31%
47
23.48
Revenue growth%
6.38
8.24
6.60
9.12
7.52
6.55
5.59
3.13
3.10
3.02
14.87
3.13
6.47
10
12.25
NIM%
11.93
9.10
7.15
6.47
9.42
9.86
12.39
12.65
15.00
15.45
5.36
12.65
10.90
6
28.00
Effic. R.%
11.02
10.04
10.97
8.54
11.39
10.96
13.25
16.11
14.36
14.05
7.11
14.05
11.20
59
19.33
Net margin%
13.47
14.80
14.98
16.09
18.80
16.52
15.75
16.41
17.92
17.07
8.21
16.52
16.25
58
8.435
P/E ratio (avg)x
22.29
20.97
18.64
16.44
15.02
13.32
13.02
11.72
12.15
13.20
26.37
13.02
14.17
72
37.79
P/TBVx
46.09
54.24
55.59
64.47
75.63
78.25
89.94
100.8
106.2
111.4
18.21
100.8
76.94
16
22.40
P/Bx
18.41
21.54
20.76
21.45
22.54
23.45
24.53
29.10
28.88
29.32
26.56
28.88
22.99
66
655.9
NII$M
249.0
266.2
281.2
294.8
310.5
322.5
336.7
350.0
381.1
403.8
540.5
5.39%
5.26%
—
4.87
NII grth%
12.73
13.94
11.92
9.71
10.83
9.00
11.25
11.55
12.33
12.81
16.17
11.55
11.73
53
8.30
ROTE%
32.16
34.33
31.48
34.41
32.70
31.56
29.67
29.36
31.55
32.55
23.52
31.55
31.86
51
14.80
Return on equity%
22.27
24.71
26.71
25.59
26.53
26.15
25.13
23.60
25.92
26.66
10.56
25.92
25.76
34
19.99
Return on assets%
3.28
5.00
3.80
4.48
6.37
7.07
5.32
7.07
6.59
9.59
16.82
7.07
5.84
54
0.26
EPS$
0.08
0.09
0.10
0.10
0.11
0.11
0.11
0.11
0.13
0.13
0.27
2.94%
5.94%
—
14.62
EPS growth%
3.57
5.18
6.11
4.35
5.62
4.27
2.83
4.34
5.44
3.27
17.36
4.27
4.35
90
0.31
Bookvalue per sh$
0.30
0.27
0.29
0.32
0.33
0.31
0.30
0.34
0.35
0.38
0.25
2.73%
3.19%
—
0.18
TBV/sh$
0.22
0.21
0.22
0.21
0.21
0.23
0.21
0.23
0.23
0.23
0.22
1.33%
(0.78%)
—
0.24
Dividend per sh$
0.20
0.21
0.20
0.19
0.19
0.18
0.20
0.19
0.21
0.22
0.15
2.89%
0.55%
—
7.58
Div yield (avg)%
6.12
4.83
3.65
6.18
6.76
5.77
4.52
7.26
9.49
9.46
18.78
7.26
6.15
60
5.30
Payout ratio%
19.76
17.62
18.67
18.77
18.56
19.01
16.06
18.44
18.69
19.79
19.81
18.69
18.68
94
1.117
Shares (diluted)B
1.462
1.496
1.526
1.449
1.447
1.386
1.461
1.682
1.724
1.708
1.105
3.38%
2.96%
11
19.59
Buyback yield%
16.55
19.33
22.31
23.37
26.26
23.34
24.23
25.23
26.88
26.37
12.65
25.23
23.80
39
156.80
Eq/Assets%
103.20
107.97
124.39
124.09
121.95
116.97
120.80
132.37
148.51
159.06
73.09
132.37
123.02
81
0.140
Assets$B
1.068
1.132
1.275
1.359
1.496
1.536
1.647
1.767
1.919
2.124
0.088
7.26%
7.77%
25
323.8
LT debt$M
708.2
673.6
581.5
544.5
485.7
433.3
407.7
420.0
448.4
452.7
60.74
(1.40%)
(3.71%)
58
Total assets
$2.124B
7.77%
1.26×
Revenue
$627.3M
5.31%
1.00×
Non-interest expense
$342.5M
5.42%
1.01×
Net interest income
64.37%
Non-interest income
35.63%
Spread over hurdle
13.86%