50.03
Revenue$M
174.7
185.1
197.6
214.6
229.5
243.0
263.7
283.6
300.1
316.1
54.09
6.61%
6.94%
11
19.81
Revenue growth%
7.94
7.50
4.81
3.50
2.82
1.17
1.34
2.62
4.97
2.85
2.64
2.62
3.18
66
12.73
NIM%
21.40
19.97
22.82
24.17
23.29
25.92
27.85
28.12
27.68
27.37
4.60
27.68
25.04
13
27.51
Effic. R.%
17.93
19.61
21.34
22.41
20.79
18.12
17.95
15.38
13.64
13.15
7.44
15.38
18.03
24
16.36
Net margin%
26.15
25.65
26.70
27.64
28.07
27.31
26.90
27.54
28.38
31.15
28.76
27.54
27.43
70
30.84
P/E ratio (avg)x
54.08
55.49
66.41
69.71
68.91
80.28
80.66
91.61
106.5
108.0
16.52
91.61
75.00
92
36.32
P/TBVx
14.71
15.75
13.72
13.76
13.65
13.59
13.32
13.98
12.00
12.57
15.21
13.32
13.68
50
28.88
P/Bx
22.39
19.72
18.20
18.95
16.72
15.87
16.66
17.50
15.25
13.43
31.00
15.87
17.11
22
24.02
NII$M
96.32
102.9
110.5
120.2
128.3
137.3
145.3
155.5
165.7
174.1
382.7
6.31%
6.87%
—
3.26
NII grth%
11.37
13.63
12.73
9.93
7.25
7.95
9.06
11.52
9.28
8.92
18.85
9.06
9.61
40
22.10
ROTE%
7.78
8.08
10.19
7.76
9.92
11.44
12.19
12.68
14.15
11.84
25.67
12.19
10.82
81
24.71
Return on equity%
21.55
23.16
23.87
26.31
25.95
28.36
27.30
26.93
25.34
23.38
10.51
26.93
25.65
16
17.84
Return on assets%
20.63
19.47
19.69
21.78
22.17
19.48
19.16
18.57
21.53
21.04
15.58
19.48
20.16
52
2.85
EPS$
2.70
2.38
2.52
2.18
1.91
1.80
1.91
1.83
1.59
1.41
3.14
(5.88%)
(5.62%)
—
20.67
EPS growth%
22.40
24.44
22.96
22.82
21.04
22.26
22.91
22.41
23.41
22.27
18.49
22.41
22.61
34
3.38
Bookvalue per sh$
5.64
5.93
6.48
6.68
6.86
7.87
8.34
9.11
8.38
8.11
1.81
3.39%
4.21%
—
2.50
TBV/sh$
3.06
3.61
4.02
4.68
4.90
5.56
6.73
7.43
7.32
7.67
2.65
9.37%
10.96%
—
0.78
Dividend per sh$
4.64
5.43
6.23
6.69
7.69
8.75
8.66
8.96
8.42
9.53
3.64
4.38%
8.98%
—
3.77
Div yield (avg)%
23.68
25.50
26.09
23.32
23.96
22.77
20.45
22.26
25.09
24.88
28.21
22.77
23.82
61
5.56
Payout ratio%
4.21
1.62
3.86
5.84
4.99
4.53
1.76
0.40
0.40
2.73
9.22
1.76
3.29
16
50.43
Shares (diluted)M
73.49
79.94
84.80
82.24
95.21
103.1
110.5
115.3
128.7
131.8
50.48
6.71%
6.14%
80
21.75
Buyback yield%
16.80
16.09
17.10
17.27
19.33
21.95
20.33
18.41
16.04
17.30
3.83
18.41
17.29
56
33.37
Eq/Assets%
171.78
158.82
160.32
175.42
161.75
165.83
156.63
149.75
155.96
175.42
163.18
156.63
161.03
94
0.359
Assets$B
0.729
0.825
0.900
1.007
1.044
1.121
1.208
1.342
1.480
1.546
0.137
8.17%
8.22%
78
317.4
LT debt$M
364.3
402.9
401.2
405.1
434.1
469.3
535.7
515.4
581.9
677.3
252.8
9.31%
7.60%
72
Total assets
$1.546B
8.22%
1.13×
Revenue
$316.1M
6.94%
1.00×
Non-interest expense
$176.3M
6.75%
0.98×
Net interest income
55.09%
Non-interest income
44.91%