425.7
Revenue$M
354.6
383.1
413.6
446.0
487.6
532.7
587.7
643.0
691.6
752.2
476.5
9.06%
8.53%
54
22.30
Revenue growth%
27.14
27.50
26.76
24.17
22.85
25.23
25.25
25.16
22.95
21.05
18.11
25.16
25.19
25
11.87
NIM%
18.80
17.83
17.45
19.02
20.63
22.58
20.89
18.78
16.25
15.63
13.90
18.78
18.79
84
21.83
Effic. R.%
0.40
0.40
2.43
3.36
1.15
3.80
1.73
3.71
1.44
3.08
27.66
3.08
2.08
39
9.70
Net margin%
0.40
0.40
2.86
2.34
0.40
1.21
3.69
2.59
3.66
0.93
27.58
2.59
1.77
88
36.46
P/E ratio (avg)x
9.090
9.497
9.890
9.556
10.02
10.83
10.32
9.677
10.30
9.612
33.08
10.30
9.784
20
10.09
P/TBVx
21.84
19.64
17.24
17.45
16.03
14.38
13.07
12.11
11.79
10.85
13.37
12.11
15.21
82
36.54
P/Bx
24.39
23.58
23.32
23.59
22.05
25.45
24.41
27.51
31.59
31.52
13.77
27.51
24.40
7
491.4
NII$M
229.4
248.3
265.8
285.5
312.1
344.9
372.9
411.4
450.9
481.5
327.9
9.06%
8.49%
—
5.31
NII grth%
15.42
16.30
14.20
11.52
11.91
12.74
12.50
10.13
9.03
8.50
23.12
10.13
12.20
13
2.62
ROTE%
23.56
24.95
21.95
19.96
21.89
24.86
24.26
26.97
26.32
27.70
20.32
26.32
24.56
11
12.65
Return on equity%
31.50
32.58
31.57
31.40
32.21
33.27
34.31
36.32
35.90
38.23
18.31
35.90
32.93
78
6.68
Return on assets%
3.58
5.78
6.75
7.92
7.63
4.72
2.40
0.40
2.16
3.51
2.36
2.40
4.15
58
6.49
EPS$
5.47
4.97
4.85
4.89
4.83
5.21
4.59
4.44
4.76
5.07
7.18
0.98%
(0.41%)
—
3.74
EPS growth%
23.19
20.36
21.00
20.55
20.65
20.57
22.59
24.76
24.27
21.75
3.13
22.59
21.38
32
2.36
Bookvalue per sh$
22.03
25.39
29.99
29.57
31.64
32.72
32.54
38.36
43.91
49.19
4.36
9.23%
9.67%
—
2.08
TBV/sh$
3.53
3.77
4.52
4.40
4.62
5.18
6.02
7.08
7.24
7.23
4.13
9.39%
7.49%
—
9.98
Dividend per sh$
12.45
13.94
15.83
18.24
18.42
18.86
22.65
25.08
27.55
28.71
7.72
9.29%
10.51%
—
10.95
Div yield (avg)%
11.95
11.37
12.89
11.09
13.85
15.02
12.48
12.46
13.36
14.44
19.15
13.36
12.68
14
8.14
Payout ratio%
25.70
25.61
26.57
25.09
26.67
26.44
23.87
24.46
27.37
24.49
3.45
24.49
25.66
38
45.66
Shares (diluted)M
72.41
69.33
68.54
64.36
62.07
64.77
60.90
69.92
81.16
84.59
45.58
6.39%
2.29%
68
18.05
Buyback yield%
6.54
4.25
1.63
3.83
4.89
6.86
6.82
5.88
6.87
8.31
2.18
6.86
6.21
51
143.25
Eq/Assets%
58.21
57.68
67.90
79.87
92.25
88.81
86.73
95.61
101.66
106.89
60.51
95.61
87.77
49
275.3
Assets$M
414.7
432.6
472.7
492.8
538.0
577.1
621.8
649.1
709.1
730.5
185.3
6.31%
7.05%
33
297.0
LT debt$M
78.85
76.68
79.39
74.42
83.98
77.14
77.83
73.80
75.20
69.80
46.24
(3.63%)
(2.28%)
81
Total assets
$730.5M
7.05%
0.87×
Revenue
$752.2M
8.53%
1.00×
Non-interest expense
$343.1M
8.54%
1.00×
Net interest income
64.01%
Non-interest income
35.99%
Return on capital
105.50%