142.5
Revenue$M
215.3
228.1
241.8
250.8
259.2
267.7
288.2
297.7
310.5
335.0
158.8
5.27%
5.14%
81
5.53
Revenue growth%
6.62
6.37
4.67
2.58
0.40
1.79
3.62
0.79
0.40
1.16
26.93
1.16
2.18
28
4.15
NIM%
6.18
7.91
9.65
8.56
6.31
6.52
9.01
9.82
8.91
7.35
25.29
8.91
8.24
71
16.75
Effic. R.%
13.85
16.45
16.57
15.42
14.86
13.55
15.41
15.06
17.84
19.07
10.20
15.41
15.41
92
17.28
Net margin%
19.51
18.49
19.70
19.06
16.68
17.05
19.50
20.63
18.61
20.86
26.21
19.50
19.28
91
13.00
P/E ratio (avg)x
28.40
30.56
29.14
29.58
31.32
29.07
29.70
28.60
28.40
28.69
9.116
28.69
29.11
62
33.73
P/TBVx
21.79
19.33
18.63
17.52
15.46
15.63
13.48
13.14
14.04
12.08
11.86
13.48
15.54
33
24.10
P/Bx
57.17
59.35
60.05
66.03
68.91
69.52
79.14
94.84
96.01
104.9
25.83
94.84
69.21
20
23.47
NII$M
165.6
177.7
188.1
195.2
197.6
205.3
223.1
227.0
239.5
256.3
221.7
5.34%
5.08%
—
10.96
NII grth%
31.05
31.51
29.77
30.92
28.30
28.69
29.25
27.16
25.47
23.25
10.48
27.16
28.97
80
10.25
ROTE%
2.71
0.72
0.40
0.40
2.98
5.89
7.97
5.51
2.81
2.47
4.90
5.51
2.76
86
3.68
Return on equity%
6.37
8.32
9.98
12.05
10.62
9.18
10.30
10.85
12.98
13.87
27.91
10.85
10.46
16
23.03
Return on assets%
26.85
25.12
26.84
27.70
29.00
28.87
26.60
29.52
32.46
31.59
17.93
29.52
28.28
74
17.45
EPS$
13.10
14.65
17.27
19.54
21.42
23.91
26.71
31.40
31.20
36.57
18.03
11.30%
10.80%
—
6.35
EPS growth%
27.52
27.22
26.81
24.62
26.58
29.46
30.40
29.74
28.71
27.64
3.69
29.46
27.58
81
17.53
Bookvalue per sh$
12.64
14.78
16.34
19.01
21.59
22.95
24.66
28.82
28.53
33.45
18.11
9.15%
11.17%
—
4.44
TBV/sh$
5.00
5.66
6.09
6.43
7.18
7.62
7.68
8.36
8.06
8.08
3.17
2.38%
5.63%
—
16.46
Dividend per sh$
15.98
16.11
16.54
15.33
14.61
15.89
14.95
16.68
15.88
16.85
6.51
2.89%
0.59%
—
20.69
Div yield (avg)%
22.06
20.76
22.25
23.62
21.62
22.45
20.07
21.61
20.76
18.03
14.21
20.76
21.61
78
18.38
Payout ratio%
10.44
9.23
9.10
11.89
9.75
7.46
8.57
5.64
6.83
5.84
24.04
6.83
8.83
31
11.75
Shares (diluted)M
15.94
18.59
21.27
21.74
24.43
26.81
31.01
31.44
32.32
37.54
11.51
8.97%
9.92%
42
23.34
Buyback yield%
10.88
9.71
7.75
7.79
7.69
10.34
10.60
12.55
12.87
13.41
6.01
12.55
10.47
65
80.45
Eq/Assets%
90.10
101.54
112.92
113.58
132.03
149.36
148.06
145.02
146.71
137.50
32.79
146.71
134.76
33
0.200
Assets$B
0.801
0.872
0.927
0.996
1.052
1.178
1.289
1.445
1.507
1.645
0.018
9.36%
8.03%
55
134.4
LT debt$M
189.9
206.9
186.1
204.4
216.1
233.9
225.6
223.5
201.1
187.6
168.2
(2.79%)
(0.26%)
7
Total assets
$1.645B
8.03%
1.31×
Revenue
$335.0M
5.14%
1.00×
Non-interest expense
$155.3M
5.10%
1.00×
Net interest income
76.53%
Non-interest income
23.47%
Spread over hurdle
12.37%