35.99
Revenue$M
446.1
461.0
479.5
493.0
505.5
530.7
541.7
557.9
578.7
589.5
39.02
3.12%
3.28%
33
6.57
Revenue growth%
29.47
27.10
28.41
26.46
29.32
31.53
32.05
33.77
32.22
31.74
20.13
32.05
30.50
44
28.94
NIM%
9.69
7.15
6.18
9.02
9.68
6.81
5.59
8.20
5.30
6.72
27.25
6.72
6.98
91
21.32
Effic. R.%
9.87
7.34
5.57
4.28
1.30
0.40
0.40
3.12
2.63
0.90
9.27
0.90
2.87
24
20.16
Net margin%
5.42
5.04
3.95
3.20
0.78
3.33
5.16
3.10
2.11
2.91
27.53
3.10
3.26
93
30.02
P/E ratio (avg)x
46.46
50.85
54.74
61.63
67.03
71.43
77.94
89.56
104.6
116.6
31.95
89.56
69.23
83
17.25
P/TBVx
19.09
17.42
15.41
16.25
14.43
15.32
13.61
13.26
11.71
11.77
12.29
13.26
14.87
92
21.94
P/Bx
15.13
14.27
14.40
13.72
15.13
16.35
17.78
17.08
15.28
16.16
16.64
16.35
15.21
23
431.7
NII$M
279.2
292.1
299.2
310.7
320.4
330.9
340.0
353.8
361.1
372.4
201.7
3.05%
3.24%
—
27.16
NII grth%
25.78
25.04
24.95
24.82
24.80
26.92
26.09
25.73
27.32
28.48
17.94
26.92
25.75
13
21.90
ROTE%
1.80
1.96
2.74
1.80
2.35
5.31
6.57
4.61
5.43
6.06
24.27
5.43
3.68
54
25.38
Return on equity%
19.54
16.90
15.36
14.83
13.50
16.05
15.40
12.84
14.75
13.78
9.73
14.75
15.10
6
7.47
Return on assets%
17.56
18.09
20.52
20.22
17.61
18.90
16.40
19.32
17.52
16.83
4.51
17.52
17.85
35
3.84
EPS$
6.69
7.02
7.47
7.50
8.48
8.44
8.08
7.93
7.93
9.02
3.98
1.23%
4.21%
—
29.16
EPS growth%
11.84
9.01
8.46
5.51
7.41
4.58
7.00
4.16
5.96
5.14
22.49
5.14
6.48
54
4.92
Bookvalue per sh$
2.56
2.73
2.60
2.44
2.72
3.03
2.93
2.85
2.61
2.38
4.91
(2.65%)
(0.55%)
—
4.07
TBV/sh$
4.70
4.93
5.22
5.78
6.59
7.49
8.61
9.37
9.11
8.51
5.63
5.25%
5.44%
—
2.23
Dividend per sh$
5.93
6.85
7.02
7.70
8.91
9.30
9.31
9.39
9.30
9.45
1.20
1.17%
5.79%
—
21.28
Div yield (avg)%
17.10
19.93
21.77
23.08
24.17
22.39
22.62
21.06
19.27
18.35
3.08
21.06
21.41
30
19.82
Payout ratio%
15.64
16.54
17.96
16.10
18.73
17.16
14.19
14.08
11.60
14.60
15.28
14.19
15.87
45
46.97
Shares (diluted)M
56.20
63.38
65.24
73.06
66.60
74.68
76.53
72.41
76.44
85.66
47.50
5.16%
4.94%
29
4.41
Buyback yield%
11.07
11.62
12.56
10.31
10.18
9.58
10.20
11.91
10.65
12.24
8.36
10.65
10.86
91
71.58
Eq/Assets%
31.10
32.03
28.50
30.16
31.89
31.40
30.47
29.52
31.32
29.38
162.36
30.47
30.79
15
0.420
Assets$B
1.665
1.833
2.030
2.199
2.337
2.510
2.837
3.089
3.406
3.701
0.024
9.63%
9.47%
71
156.5
LT debt$M
390.6
389.8
348.2
342.0
348.1
370.0
337.2
307.6
304.5
315.3
439.8
(1.96%)
(1.67%)
42
Total assets
$3.701B
9.47%
1.79×
Revenue
$589.5M
3.28%
1.00×
Non-interest expense
$339.0M
3.41%
1.01×
Net interest income
63.16%
Non-interest income
36.84%