29.69
Revenue$M
328.8
350.0
382.1
421.1
449.9
483.7
525.5
560.5
594.4
638.3
32.79
7.25%
7.56%
47
10.06
Revenue growth%
23.87
22.77
25.69
27.66
27.37
24.47
22.78
20.34
19.97
20.22
19.48
20.34
23.33
37
8.90
NIM%
27.02
28.21
28.90
30.27
30.56
31.81
34.02
32.66
29.88
29.43
16.76
31.81
30.08
62
16.45
Effic. R.%
18.01
20.75
18.66
18.30
16.22
14.03
13.49
14.73
17.43
18.78
3.14
14.73
17.72
18
11.34
Net margin%
16.77
14.87
16.97
16.70
14.04
15.49
14.51
15.72
18.13
17.36
14.50
15.72
16.21
89
21.81
P/E ratio (avg)x
16.65
18.73
21.53
20.87
19.87
20.95
23.73
26.32
27.13
30.40
19.83
26.32
21.24
14
13.33
P/TBVx
24.00
27.70
30.56
34.17
35.33
39.72
45.26
48.89
48.12
46.99
15.43
46.99
37.53
36
6.641
P/Bx
6.391
5.629
5.619
4.985
5.315
4.990
5.203
5.085
4.629
4.042
24.62
4.990
5.144
64
496.0
NII$M
189.4
203.2
224.7
244.2
259.5
281.9
305.3
329.9
341.0
371.1
273.7
7.42%
7.56%
—
7.76
NII grth%
7.97
10.31
12.64
10.25
8.73
10.40
10.86
10.95
13.66
14.77
19.38
10.95
10.63
29
24.03
ROTE%
9.05
8.67
6.61
3.76
5.68
3.00
3.18
5.22
4.84
3.85
7.91
3.85
5.03
64
15.35
Return on equity%
11.75
9.80
9.55
10.90
8.09
7.59
9.37
9.11
8.06
5.22
21.20
8.06
9.24
56
10.58
Return on assets%
13.32
10.50
12.35
11.75
9.84
11.74
13.13
12.74
10.51
12.19
23.92
12.19
11.97
44
1.96
EPS$
1.98
1.75
1.67
1.66
1.51
1.61
1.41
1.43
1.26
1.14
2.12
(5.38%)
(6.04%)
—
28.76
EPS growth%
14.35
13.29
14.87
16.68
17.25
19.31
19.72
22.04
22.14
24.29
19.18
22.04
18.28
49
4.88
Bookvalue per sh$
3.46
3.67
3.74
3.73
3.68
3.31
3.36
3.21
2.78
2.73
6.72
(5.80%)
(3.53%)
—
3.05
TBV/sh$
8.52
8.65
8.97
8.67
9.58
10.19
10.42
10.80
11.52
12.29
7.62
5.12%
3.94%
—
1.91
Dividend per sh$
6.62
7.40
7.98
9.26
9.80
10.65
10.59
11.72
12.52
14.86
1.74
8.68%
9.50%
—
21.58
Div yield (avg)%
19.18
20.45
17.57
19.98
19.67
22.29
19.38
17.07
19.93
17.45
10.42
19.38
19.53
63
20.14
Payout ratio%
27.74
29.71
26.83
27.97
29.66
27.33
25.94
24.45
21.46
20.39
7.80
24.45
27.08
85
23.83
Shares (diluted)M
22.33
20.08
21.50
20.12
21.72
23.78
22.68
21.27
23.22
22.28
25.02
0.51%
0.11%
5
27.66
Buyback yield%
5.22
4.27
2.97
3.09
4.99
4.57
3.09
3.22
5.33
4.22
4.81
4.22
4.25
81
109.83
Eq/Assets%
101.14
102.98
104.69
118.78
121.92
138.35
147.33
151.38
170.69
178.38
94.36
151.38
130.14
16
0.048
Assets$B
1.684
1.778
1.909
2.084
2.302
2.482
2.725
3.003
3.292
3.510
0.186
8.80%
8.81%
67
534.1
LT debt$M
465.9
470.9
534.5
596.4
573.8
653.5
768.5
847.5
957.7
962.1
336.2
10.89%
7.54%
91
Total assets
$3.510B
8.81%
1.12×
Revenue
$638.3M
7.56%
1.00×
Non-interest expense
$343.0M
7.33%
0.98×
Net interest income
58.14%
Non-interest income
41.86%