102.1
Revenue$M
300.6
324.3
352.3
383.0
426.2
466.5
518.8
564.0
622.2
669.7
113.5
9.46%
9.49%
65
22.09
Revenue growth%
27.50
26.56
24.15
22.37
21.04
23.70
20.88
20.75
20.78
21.80
13.07
20.88
22.09
50
8.05
NIM%
11.20
10.98
10.70
13.30
13.91
15.06
14.70
12.84
10.73
8.02
29.68
12.84
12.02
38
25.20
Effic. R.%
18.47
16.65
19.25
19.86
17.65
20.36
20.89
22.09
19.76
19.39
6.96
20.36
19.57
81
8.24
Net margin%
31.40
28.62
29.10
29.77
27.98
28.16
29.08
26.90
27.55
30.33
16.78
28.16
28.85
23
37.12
P/E ratio (avg)x
10.58
9.393
10.35
9.628
9.851
9.980
10.02
9.703
10.23
11.41
24.28
10.02
9.998
60
7.391
P/TBVx
23.32
23.22
23.01
21.35
19.99
22.98
23.87
24.30
23.77
26.06
7.434
23.87
23.27
42
26.53
P/Bx
22.08
24.81
27.44
27.20
32.09
34.06
37.41
36.27
38.06
39.04
12.88
37.41
33.08
21
138.7
NII$M
236.9
256.4
284.0
308.6
339.0
369.9
414.1
446.2
494.6
537.9
211.6
9.67%
9.48%
—
22.70
NII grth%
7.62
5.03
2.17
4.29
7.17
9.82
7.57
8.91
6.19
7.50
16.78
7.57
7.34
93
6.44
ROTE%
0.40
3.35
0.88
0.40
1.95
0.43
0.40
0.47
0.40
0.40
10.03
0.40
0.42
20
24.58
Return on equity%
20.78
20.27
22.87
20.28
18.79
21.62
24.17
23.74
25.79
24.24
27.17
24.17
22.24
72
11.99
Return on assets%
5.95
4.78
7.17
8.93
11.15
13.48
10.70
12.14
10.45
8.42
12.43
10.70
9.69
78
7.12
EPS$
1.48
1.54
1.49
1.66
1.80
1.92
1.95
1.99
2.31
2.39
7.58
5.92%
5.85%
—
26.04
EPS growth%
24.14
24.14
25.56
25.31
24.44
26.94
28.19
25.86
27.45
30.14
25.85
27.45
25.71
82
3.34
Bookvalue per sh$
4.22
4.42
4.32
4.01
4.31
3.97
3.57
3.90
3.84
4.29
6.71
(0.08%)
0.27%
—
5.69
TBV/sh$
8.33
9.20
10.85
10.33
10.77
10.43
11.50
12.07
14.12
15.36
6.56
7.36%
7.71%
—
1.62
Dividend per sh$
3.18
3.63
3.53
3.78
3.61
3.48
4.07
3.92
3.80
4.33
3.06
3.70%
3.04%
—
28.47
Div yield (avg)%
4.66
5.88
8.43
11.01
10.17
9.55
8.74
9.67
8.68
7.71
13.17
8.74
8.71
65
21.78
Payout ratio%
18.48
15.98
14.93
12.27
9.90
8.74
9.16
6.22
6.13
5.50
22.42
6.22
9.53
33
52.49
Shares (diluted)M
52.74
50.75
53.70
54.55
55.15
56.66
55.01
51.70
47.16
42.83
53.28
(4.93%)
(1.71%)
53
14.68
Buyback yield%
24.73
21.97
24.89
26.10
26.80
24.65
26.46
27.57
27.41
28.51
17.35
27.41
26.28
35
105.93
Eq/Assets%
90.71
83.00
90.38
85.64
90.03
89.19
95.73
87.27
77.88
74.99
107.81
87.27
88.23
18
0.261
Assets$B
1.649
1.845
1.947
2.110
2.287
2.391
2.598
2.954
3.237
3.613
0.247
9.58%
9.04%
78
251.6
LT debt$M
123.0
109.2
99.43
95.71
92.68
94.98
95.04
97.63
95.92
87.37
421.5
(1.17%)
(2.84%)
55
Total assets
$3.613B
9.04%
0.96×
Revenue
$669.7M
9.49%
1.00×
Non-interest expense
$392.8M
9.54%
1.01×
Net interest income
80.31%
Non-interest income
19.69%