411.3
Revenue$M
224.1
242.0
257.3
278.4
301.0
321.2
333.3
353.9
374.4
393.8
433.7
5.52%
6.53%
78
9.75
Revenue growth%
24.18
25.37
27.20
29.82
32.72
31.64
32.53
32.74
34.01
33.10
24.02
32.74
32.08
82
22.99
NIM%
13.37
13.32
16.30
16.92
18.31
17.17
16.54
14.49
14.86
16.02
19.70
16.02
16.16
25
4.47
Effic. R.%
3.90
0.99
1.51
0.40
0.40
1.35
0.40
0.40
0.40
0.40
2.57
0.40
0.40
31
14.92
Net margin%
23.61
26.41
25.88
23.97
23.13
24.88
25.57
28.04
26.33
25.70
29.34
25.70
25.63
12
26.26
P/E ratio (avg)x
52.62
57.58
63.04
66.32
71.60
81.08
91.03
90.76
107.7
113.4
28.37
91.03
76.34
94
6.650
P/TBVx
11.12
12.08
12.77
13.65
12.20
13.54
14.04
12.44
12.76
11.57
27.79
12.76
12.60
39
21.93
P/Bx
46.39
49.41
57.82
67.38
78.31
76.67
75.17
89.85
100.8
118.2
31.55
89.85
75.92
18
154.8
NII$M
153.9
165.7
176.4
189.5
208.9
218.9
228.7
242.8
255.1
271.2
377.3
5.36%
6.66%
—
15.92
NII grth%
20.66
20.76
19.24
18.94
17.04
19.49
17.98
15.76
17.11
19.49
27.04
17.98
19.09
27
25.58
ROTE%
2.14
1.86
4.40
4.19
5.99
5.76
4.79
3.45
6.01
8.18
2.49
5.76
4.59
68
16.24
Return on equity%
19.05
17.02
17.06
15.72
13.41
15.57
17.42
15.96
13.58
16.07
4.25
15.96
16.02
82
25.50
Return on assets%
19.08
18.89
19.78
18.69
21.60
19.87
19.32
17.57
18.78
16.25
2.38
18.78
18.99
47
9.51
EPS$
11.48
10.74
9.57
8.97
9.20
7.80
8.13
7.03
5.97
5.69
10.19
(9.16%)
(7.18%)
—
15.62
EPS growth%
10.64
10.11
7.32
7.26
4.53
1.67
4.64
2.79
4.50
3.99
20.54
3.99
4.59
51
14.99
Bookvalue per sh$
3.50
3.06
3.10
2.73
2.67
2.94
2.79
2.62
2.78
2.71
18.43
0.34%
(2.08%)
—
19.32
TBV/sh$
13.53
15.07
14.41
14.12
14.32
16.66
17.75
17.20
16.27
17.06
12.82
3.56%
2.84%
—
19.18
Dividend per sh$
7.14
7.94
8.79
8.97
9.99
10.26
10.80
10.38
12.04
13.01
4.58
5.42%
6.11%
—
6.70
Div yield (avg)%
10.83
9.16
9.41
11.85
14.07
12.89
12.31
13.06
11.66
10.82
5.80
12.31
11.76
6
15.53
Payout ratio%
23.24
21.54
23.74
21.62
22.22
24.43
22.37
19.38
17.22
19.97
7.89
19.97
21.92
48
14.01
Shares (diluted)M
20.05
22.93
23.06
24.03
25.45
28.57
32.77
35.23
34.36
38.04
14.00
8.37%
6.93%
60
25.88
Buyback yield%
7.39
9.91
9.95
9.53
7.05
7.95
8.12
6.21
3.99
1.38
5.09
6.21
7.67
92
17.70
Eq/Assets%
49.68
56.88
64.71
61.46
60.08
64.43
63.64
60.44
62.83
72.03
155.89
63.64
62.15
26
0.468
Assets$B
0.463
0.514
0.579
0.612
0.677
0.724
0.801
0.846
0.944
1.053
0.184
9.23%
9.33%
6
0.092
LT debt$B
0.569
0.621
0.680
0.712
0.784
0.844
0.955
1.132
1.141
1.312
0.415
10.83%
9.39%
52
Total assets
$1.053B
9.33%
1.30×
Revenue
$393.8M
6.53%
1.00×
Non-interest expense
$228.0M
6.75%
1.02×
Net interest income
68.88%
Non-interest income
31.12%