151.3
Revenue$M
233.8
240.4
247.1
265.4
283.0
300.0
314.2
335.5
357.1
383.2
155.7
6.24%
5.55%
24
25.50
Revenue growth%
6.97
4.83
4.89
7.26
7.17
10.03
11.30
13.05
15.21
17.50
23.48
13.05
8.64
36
19.47
NIM%
34.78
36.23
36.99
35.56
35.55
38.24
37.65
39.11
38.06
40.08
27.10
38.24
37.32
48
24.52
Effic. R.%
7.97
10.51
12.32
13.58
13.79
12.60
10.78
11.04
10.56
8.22
14.27
10.78
10.91
47
22.24
Net margin%
0.40
0.40
0.40
2.77
2.09
2.12
1.12
2.48
3.47
5.92
2.86
2.48
2.11
32
18.48
P/E ratio (avg)x
10.15
9.695
10.75
9.651
10.04
8.993
9.221
8.585
8.698
8.005
13.14
8.698
9.436
50
24.77
P/TBVx
61.35
61.68
62.93
73.23
84.47
97.47
117.2
139.1
150.7
171.3
35.05
139.1
90.97
60
29.18
P/Bx
22.30
23.38
22.41
21.22
19.86
17.16
17.09
16.01
15.30
15.90
36.54
16.01
18.51
78
91.28
NII$M
132.7
135.1
141.7
152.5
162.8
169.8
181.2
191.1
201.8
219.5
73.01
6.16%
5.80%
—
20.51
NII grth%
24.11
25.42
25.75
28.01
29.22
31.48
33.23
32.68
35.55
34.35
21.13
33.23
30.35
51
15.03
ROTE%
19.74
19.23
16.48
16.80
17.36
18.96
19.50
20.47
18.39
16.32
7.16
18.96
18.68
34
27.98
Return on equity%
9.27
10.96
8.13
9.64
8.64
9.85
9.62
9.86
11.72
14.21
6.79
9.86
9.74
32
26.86
Return on assets%
16.89
14.96
13.93
12.69
13.84
13.13
15.92
17.48
19.00
18.46
11.16
17.48
15.44
35
0.54
EPS$
2.04
2.24
2.18
2.40
2.22
2.46
2.56
2.48
2.26
2.23
0.57
0.08%
0.86%
—
17.42
EPS growth%
20.80
19.13
16.37
14.90
17.64
19.51
18.96
17.32
20.20
20.58
12.73
19.51
19.05
62
1.18
Bookvalue per sh$
0.49
0.47
0.49
0.56
0.58
0.60
0.67
0.79
0.85
0.93
1.93
9.76%
6.51%
—
1.00
TBV/sh$
1.84
1.77
1.98
1.96
2.20
2.18
2.27
2.42
2.60
2.78
1.83
4.81%
5.78%
—
1.37
Dividend per sh$
1.32
1.28
1.38
1.28
1.29
1.37
1.35
1.53
1.63
1.78
1.63
6.73%
3.53%
—
24.17
Div yield (avg)%
17.75
15.18
17.02
14.35
14.29
16.27
17.23
17.23
14.25
11.77
27.90
16.27
15.73
77
9.22
Payout ratio%
18.76
19.41
19.11
18.47
20.52
18.07
17.28
20.27
18.88
19.40
26.70
18.88
18.99
6
126.0
Shares (diluted)M
109.1
103.4
101.9
100.8
89.17
97.65
106.1
115.7
102.5
104.9
126.9
3.30%
(0.59%)
52
18.14
Buyback yield%
5.04
4.62
7.28
4.70
4.96
3.41
1.64
3.06
1.16
0.40
16.52
1.64
4.01
19
32.18
Eq/Assets%
92.87
89.37
89.20
84.02
88.66
83.93
85.64
75.23
72.94
65.70
100.72
75.23
84.83
40
0.024
Assets$B
0.668
0.725
0.801
0.850
0.940
1.013
1.053
1.137
1.215
1.315
0.303
6.94%
7.80%
87
331.2
LT debt$M
206.2
184.9
178.3
158.2
142.8
121.2
125.6
116.7
118.7
102.5
205.9
(6.41%)
(6.46%)
57
Total assets
$1.315B
7.80%
1.23×
Revenue
$383.2M
5.55%
1.00×
Non-interest expense
$231.7M
5.35%
0.98×
Net interest income
57.29%
Non-interest income
42.71%