122.0
Revenue$M
259.6
270.5
279.4
296.8
307.1
321.5
339.9
362.2
375.5
396.1
136.3
5.23%
4.63%
21
24.74
Revenue growth%
13.29
12.06
11.90
12.22
15.02
16.57
16.09
16.11
13.26
14.56
4.38
16.09
13.92
63
6.10
NIM%
17.67
15.90
14.10
13.16
15.51
14.18
16.21
16.73
19.31
17.02
14.44
16.73
16.05
84
29.91
Effic. R.%
22.07
21.31
21.41
21.99
20.88
21.29
18.52
15.73
15.86
17.76
2.14
17.76
21.09
17
16.94
Net margin%
21.83
22.50
22.14
22.16
20.09
17.32
19.62
19.62
18.98
21.07
14.37
19.62
20.58
11
30.58
P/E ratio (avg)x
43.60
47.53
48.22
52.43
53.28
52.76
59.04
65.80
59.91
61.91
21.85
59.91
53.02
72
24.66
P/TBVx
31.75
32.38
33.16
36.80
34.59
34.47
31.53
33.85
38.47
42.13
10.38
34.47
34.16
24
33.26
P/Bx
15.10
14.70
13.98
13.14
13.49
14.71
13.52
13.33
13.29
12.90
18.29
13.33
13.51
85
148.7
NII$M
186.2
196.0
203.0
213.2
218.5
230.7
246.1
257.2
267.4
284.0
142.2
5.39%
4.70%
—
29.02
NII grth%
11.28
9.77
6.97
5.94
4.07
1.67
4.63
3.02
4.89
4.87
18.04
4.63
4.88
21
5.49
ROTE%
24.84
22.37
22.82
19.96
21.11
19.24
20.86
23.81
26.78
29.25
23.67
23.81
22.59
66
9.46
Return on equity%
11.15
8.26
7.71
9.26
11.00
13.53
12.53
10.26
9.52
10.16
9.97
10.26
10.21
79
6.70
Return on assets%
12.28
14.97
17.50
18.73
18.60
19.24
17.43
20.13
22.23
20.77
3.25
20.13
18.66
58
1.40
EPS$
5.74
5.81
5.39
5.58
5.64
5.42
5.15
4.77
4.98
4.53
1.50
(4.30%)
(2.42%)
—
29.26
EPS growth%
11.92
14.84
16.09
16.92
19.85
22.61
20.70
21.24
19.57
20.11
8.09
20.70
19.71
53
3.07
Bookvalue per sh$
6.00
5.11
5.01
4.83
4.77
5.04
5.31
5.38
5.37
5.38
1.82
2.45%
(1.10%)
—
3.60
TBV/sh$
8.08
9.17
10.04
11.81
12.78
14.36
14.79
16.11
18.18
20.60
1.81
10.01%
10.14%
—
7.90
Dividend per sh$
6.44
6.78
6.50
6.60
7.62
7.87
8.06
8.99
10.07
9.39
4.70
4.27%
3.73%
—
25.96
Div yield (avg)%
21.92
23.81
22.44
24.30
22.00
19.79
19.25
17.64
20.27
18.72
5.50
19.25
21.09
86
28.57
Payout ratio%
30.29
28.40
26.56
23.56
20.63
23.15
21.47
18.50
17.50
18.41
14.85
18.50
22.31
68
35.53
Shares (diluted)M
35.59
34.49
31.76
34.59
38.21
35.96
37.59
33.02
30.35
27.76
35.60
(6.19%)
(1.54%)
95
21.15
Buyback yield%
11.62
13.89
13.42
15.51
13.16
10.90
8.61
5.96
8.32
5.81
18.36
8.32
11.26
54
34.03
Eq/Assets%
91.86
88.60
77.04
74.18
76.48
83.13
71.09
75.10
80.45
76.22
107.41
76.22
76.76
59
161.0
Assets$M
45.65
51.16
55.94
60.24
65.25
71.19
77.50
84.52
90.22
98.05
42.78
8.49%
8.48%
81
113.3
LT debt$M
164.7
160.5
184.2
174.5
164.8
173.8
180.5
207.8
209.4
221.2
259.5
6.07%
3.05%
47
Total assets
$98.05M
8.48%
1.44×
Revenue
$396.1M
4.63%
1.00×
Non-interest expense
$232.8M
4.73%
1.01×
Net interest income
71.70%
Non-interest income
28.30%
Return on capital
262.08%