121.4
Revenue$M
219.6
236.2
257.5
282.8
307.2
326.6
349.5
379.3
409.6
432.6
129.2
7.09%
7.66%
49
19.25
Revenue growth%
19.85
18.98
18.45
15.69
12.91
12.58
9.89
11.62
13.38
10.79
29.78
11.62
13.14
62
19.86
NIM%
38.64
36.43
38.39
40.09
37.61
35.14
36.30
37.53
39.71
37.55
4.98
37.53
37.58
46
20.44
Effic. R.%
21.46
19.76
18.12
15.27
13.60
16.06
17.37
16.58
18.53
18.80
25.91
17.37
17.74
26
10.07
Net margin%
25.86
24.28
25.39
24.81
21.95
19.45
18.66
20.99
21.67
21.31
11.97
20.99
21.81
14
13.24
P/E ratio (avg)x
6.561
6.722
6.533
6.266
6.760
6.500
7.297
8.373
8.142
8.610
32.10
8.142
6.741
69
15.92
P/TBVx
28.26
30.43
33.94
35.33
36.63
38.30
40.66
46.30
54.89
52.82
21.86
46.30
37.47
16
15.32
P/Bx
12.38
12.35
13.57
14.12
15.52
16.09
16.83
17.63
18.38
17.71
11.41
17.63
15.81
88
142.6
NII$M
170.7
182.5
200.6
215.5
236.3
251.7
269.9
295.1
316.2
334.9
394.5
7.22%
7.78%
—
19.35
NII grth%
12.87
10.41
8.82
11.07
13.36
11.68
9.88
11.92
14.06
11.37
24.85
11.68
11.52
63
8.01
ROTE%
7.46
7.63
6.56
8.74
10.66
8.92
10.00
12.07
11.58
12.22
6.60
11.58
9.46
44
11.87
Return on equity%
25.40
24.22
21.41
23.53
24.19
21.23
22.93
21.54
23.39
24.29
10.49
22.93
23.46
63
3.81
Return on assets%
26.35
27.34
25.02
25.13
26.74
27.24
27.30
29.87
27.85
30.36
15.56
27.85
27.27
71
1.39
EPS$
5.38
6.20
6.69
6.47
7.13
8.18
8.72
8.61
8.63
8.31
1.56
3.11%
4.83%
—
25.55
EPS growth%
5.61
3.05
0.53
3.10
3.08
5.28
4.61
5.16
7.23
9.66
14.22
5.28
4.88
26
6.87
Bookvalue per sh$
3.19
3.33
3.77
4.00
4.61
4.52
4.45
4.89
5.15
5.71
7.28
4.39%
6.27%
—
5.14
TBV/sh$
7.96
7.97
8.93
10.01
10.53
11.06
11.60
11.76
12.53
13.71
4.91
5.42%
6.47%
—
6.31
Dividend per sh$
6.12
5.83
5.50
6.16
6.87
7.37
8.49
8.05
7.92
9.06
2.56
5.69%
5.66%
—
11.33
Div yield (avg)%
13.45
13.08
13.90
11.89
13.00
14.46
13.25
15.32
16.42
19.09
20.17
15.32
13.68
62
14.35
Payout ratio%
13.93
14.48
11.72
12.56
12.93
14.27
15.11
13.76
11.33
12.30
22.50
13.76
13.34
26
29.92
Shares (diluted)M
30.62
29.36
33.01
31.94
32.63
29.95
32.47
35.83
32.80
36.22
29.55
2.11%
1.25%
37
21.59
Buyback yield%
6.90
4.91
5.99
6.27
8.06
5.42
6.13
6.97
7.84
9.91
16.88
6.97
6.58
87
128.18
Eq/Assets%
231.92
268.80
307.34
358.35
423.00
465.16
468.59
497.95
563.08
546.04
94.25
497.95
444.08
37
140.2
Assets$M
280.2
297.2
327.4
348.7
379.8
417.9
450.8
495.9
536.6
572.9
271.3
8.57%
8.08%
79
292.3
LT debt$M
74.97
84.49
91.89
110.2
130.4
145.0
155.4
170.7
186.7
187.6
424.6
7.53%
10.73%
39
Total assets
$572.9M
8.08%
1.04×
Revenue
$432.6M
7.66%
1.00×
Non-interest expense
$193.8M
7.69%
1.00×
Net interest income
77.41%
Non-interest income
22.59%
Spread over hurdle
75.27%