295.0
Revenue$M
236.2
241.9
242.0
246.3
247.9
256.0
256.6
257.4
263.2
271.6
323.6
1.84%
1.40%
23
4.51
Revenue growth%
3.14
2.08
2.01
1.65
0.40
3.15
0.49
0.40
1.33
4.10
16.22
1.33
1.83
65
8.89
NIM%
17.71
20.64
18.26
17.82
18.17
20.35
21.75
23.68
26.67
24.04
9.70
23.68
20.50
70
3.65
Effic. R.%
1.69
4.20
2.26
4.19
2.16
0.40
2.10
0.40
0.40
2.05
10.17
0.40
2.08
6
10.46
Net margin%
27.45
27.88
26.42
23.53
23.95
23.03
25.86
26.45
23.68
25.88
11.06
25.86
25.87
85
13.19
P/E ratio (avg)x
7.282
6.829
7.110
6.459
6.149
5.535
5.117
5.012
4.566
4.383
15.19
5.012
5.842
9
23.69
P/TBVx
22.06
21.03
20.14
22.16
22.60
24.59
24.57
26.17
27.52
27.03
26.60
26.17
23.59
52
27.04
P/Bx
40.88
47.41
46.56
46.87
53.27
56.67
57.37
61.28
67.35
66.40
29.08
61.28
54.97
94
74.10
NII$M
170.1
172.9
174.6
177.3
178.8
182.8
186.6
184.2
191.3
195.2
71.89
1.77%
1.44%
—
9.04
NII grth%
15.73
16.17
14.32
17.25
16.04
16.48
16.26
15.79
13.08
12.07
18.54
15.79
15.92
13
14.48
ROTE%
29.47
31.50
31.28
31.16
33.91
36.77
39.07
39.02
40.68
39.39
25.83
39.07
35.34
67
23.14
Return on equity%
24.93
22.97
22.84
22.98
25.97
24.30
25.32
27.10
27.19
27.90
20.31
27.10
25.13
10
20.28
Return on assets%
23.22
23.43
21.30
22.98
24.55
23.17
24.37
25.97
24.92
21.93
10.84
24.37
23.32
33
0.96
EPS$
0.62
0.65
0.63
0.65
0.65
0.68
0.60
0.64
0.55
0.47
1.03
(6.46%)
(2.96%)
—
3.62
EPS growth%
31.38
29.25
28.29
26.23
24.00
24.06
26.87
27.24
27.54
27.51
4.38
27.24
27.38
66
1.90
Bookvalue per sh$
2.22
2.21
2.04
2.08
2.17
2.29
2.18
2.30
2.07
2.02
1.19
(1.51%)
(1.08%)
—
1.62
TBV/sh$
2.29
2.31
2.42
2.58
3.06
3.47
4.04
4.48
5.20
5.10
1.98
10.78%
9.40%
—
1.54
Dividend per sh$
1.15
1.21
1.28
1.25
1.25
1.40
1.53
1.50
1.68
1.58
1.38
4.75%
4.75%
—
8.30
Div yield (avg)%
12.35
9.46
9.90
7.30
6.95
5.10
3.07
0.90
1.68
3.56
12.81
3.07
6.03
49
28.66
Payout ratio%
7.26
10.16
10.78
11.06
13.25
16.05
13.84
13.97
11.00
8.56
14.02
13.84
11.03
83
115.0
Shares (diluted)M
157.3
168.2
187.4
218.2
218.7
249.7
253.5
285.6
305.6
336.2
113.4
8.98%
7.95%
46
24.43
Buyback yield%
22.16
19.44
19.67
17.46
20.33
19.48
21.24
24.14
23.36
25.74
13.97
23.36
20.78
46
173.16
Eq/Assets%
76.40
69.80
66.76
70.33
71.19
69.86
74.35
79.63
81.66
81.03
45.50
79.63
72.77
36
262.6
Assets$M
435.6
476.6
515.0
585.0
639.9
675.5
749.5
803.1
858.2
900.4
167.5
7.07%
8.28%
45
201.7
LT debt$M
234.4
234.1
222.2
235.4
250.3
260.9
278.3
295.9
287.1
310.0
266.9
4.37%
2.93%
37
Total assets
$900.4M
8.28%
1.93×
Revenue
$271.6M
1.40%
1.00×
Non-interest expense
$163.9M
1.50%
1.01×
Net interest income
71.87%
Non-interest income
28.13%