294.2
Revenue$M
232.6
255.2
276.9
299.4
325.3
357.2
377.0
413.0
439.0
477.7
328.6
7.99%
8.38%
49
24.28
Revenue growth%
10.79
9.65
12.56
14.34
16.85
13.91
15.15
13.22
15.26
16.59
6.60
15.15
14.12
41
3.91
NIM%
22.81
24.73
25.66
27.58
30.09
32.18
31.68
33.15
35.65
35.09
8.34
33.15
30.88
32
4.22
Effic. R.%
17.19
19.06
17.46
15.39
17.37
14.46
13.23
15.44
13.50
13.58
8.12
13.58
15.42
7
25.94
Net margin%
14.83
12.38
10.21
7.56
8.46
8.85
10.89
9.08
11.97
10.82
27.81
10.82
10.51
57
35.09
P/E ratio (avg)x
33.26
35.66
38.50
42.32
46.00
41.84
38.01
39.11
42.41
41.92
36.82
41.84
40.48
22
7.666
P/TBVx
32.24
32.65
32.02
34.90
35.95
40.46
43.59
42.43
40.34
43.46
26.75
42.43
38.15
47
9.165
P/Bx
17.84
15.70
13.46
14.36
12.25
10.85
10.43
9.351
8.367
8.089
30.01
9.351
11.55
50
293.8
NII$M
129.3
144.1
153.5
167.9
180.1
200.6
214.8
235.9
247.7
269.1
245.6
8.36%
8.23%
—
10.91
NII grth%
4.04
4.02
5.38
8.23
8.21
7.41
6.25
3.61
2.69
1.69
15.17
3.61
4.71
7
15.09
ROTE%
13.85
16.18
19.03
19.69
20.65
18.38
20.65
18.04
20.31
20.33
20.95
20.31
19.36
82
9.53
Return on equity%
23.10
24.76
26.33
28.26
30.08
29.00
28.97
31.70
29.77
26.95
28.67
29.00
28.61
25
8.52
Return on assets%
12.57
9.89
10.89
12.43
14.34
13.68
14.92
12.46
14.19
15.63
28.51
14.19
13.12
58
4.30
EPS$
5.29
4.62
4.48
3.97
3.65
3.52
3.86
3.41
3.48
3.28
4.75
(2.12%)
(4.44%)
—
7.38
EPS growth%
15.38
13.37
12.62
12.88
10.57
11.93
13.88
13.94
13.79
13.22
23.79
13.79
13.29
35
6.79
Bookvalue per sh$
5.80
6.33
5.95
5.55
5.81
6.34
6.40
5.89
6.03
6.00
1.42
0.62%
0.93%
—
3.65
TBV/sh$
1.78
1.71
1.84
1.89
1.90
1.86
1.94
1.70
1.81
1.95
3.15
0.51%
1.33%
—
6.92
Dividend per sh$
10.62
11.12
11.91
12.77
12.68
13.96
16.38
17.64
19.26
21.44
3.11
11.07%
8.10%
—
26.62
Div yield (avg)%
23.27
23.38
22.87
23.10
22.54
22.67
24.10
21.27
21.45
21.42
2.42
21.45
22.77
88
29.93
Payout ratio%
13.07
11.78
11.37
9.02
8.29
6.15
6.22
4.52
6.74
9.73
25.40
6.22
8.66
30
38.48
Shares (diluted)M
41.22
38.66
39.08
34.18
29.68
30.45
26.19
25.38
25.66
27.40
38.45
(1.59%)
(3.85%)
30
23.98
Buyback yield%
11.17
12.30
14.47
14.02
11.26
8.39
10.12
11.74
12.07
11.38
27.75
11.38
11.56
90
143.15
Eq/Assets%
57.51
60.31
64.75
64.83
63.85
67.98
71.68
77.82
92.12
104.76
141.22
77.82
66.40
14
0.290
Assets$B
0.623
0.692
0.736
0.808
0.884
1.015
1.056
1.140
1.238
1.343
0.290
8.73%
8.75%
69
276.0
LT debt$M
163.4
179.9
184.7
179.6
195.6
213.7
236.0
239.9
231.5
267.2
266.7
6.44%
6.68%
68
Total assets
$1.343B
8.75%
1.03×
Revenue
$477.7M
8.38%
1.00×
Non-interest expense
$245.0M
8.17%
0.98×
Net interest income
56.33%
Non-interest income
43.67%
Spread over hurdle
24.53%