122.1
Revenue$M
300.7
329.7
353.7
383.8
419.6
456.4
494.0
533.6
577.7
624.7
134.1
8.28%
8.41%
91
12.91
Revenue growth%
2.91
4.87
5.13
6.96
6.71
5.75
4.57
5.01
5.65
7.28
6.27
5.65
5.39
7
20.31
NIM%
6.68
8.35
10.19
12.65
11.68
10.94
7.99
9.13
7.87
6.63
27.48
7.99
8.74
49
27.08
Effic. R.%
7.90
9.66
12.44
14.56
14.40
16.86
15.52
16.79
17.33
18.07
27.40
16.86
15.04
87
26.88
Net margin%
25.60
25.13
27.74
26.97
28.45
27.22
25.46
28.15
28.45
29.02
9.74
28.15
27.48
90
22.26
P/E ratio (avg)x
30.89
36.91
43.49
50.47
59.58
70.23
72.56
71.96
84.23
87.85
10.57
72.56
64.91
23
19.70
P/TBVx
24.48
25.67
22.86
19.50
19.32
18.58
16.11
13.58
12.20
12.23
33.63
13.58
18.95
39
11.14
P/Bx
25.15
25.03
24.07
20.79
20.38
20.43
19.86
18.95
17.43
15.01
6.969
18.95
20.40
38
108.6
NII$M
238.3
259.5
279.4
301.3
333.5
358.2
389.9
421.8
461.9
490.2
20.73
8.00%
8.40%
—
15.16
NII grth%
2.13
0.40
3.33
4.75
3.78
2.79
3.29
1.52
0.40
0.40
26.28
1.52
2.46
22
5.53
ROTE%
22.88
25.79
23.61
25.63
23.95
23.28
24.48
24.86
26.89
28.44
19.00
24.86
24.67
42
8.27
Return on equity%
30.15
30.57
30.91
33.91
34.64
36.39
36.35
37.34
38.35
38.67
25.13
37.34
35.50
19
6.81
Return on assets%
31.53
28.72
28.83
26.78
25.32
26.40
29.06
26.29
26.56
28.37
12.22
26.56
27.58
93
8.67
EPS$
9.74
10.01
11.41
11.81
13.00
14.47
14.13
15.50
17.57
17.56
9.15
6.20%
6.28%
—
5.05
EPS growth%
6.59
9.18
10.13
11.12
13.43
13.99
13.19
15.67
14.42
15.92
19.75
14.42
13.31
43
3.50
Bookvalue per sh$
8.32
8.32
7.86
7.45
7.37
7.20
7.51
7.47
8.43
9.47
2.42
5.14%
0.99%
—
9.32
TBV/sh$
7.99
9.01
10.45
10.60
10.61
10.72
10.10
9.96
10.44
10.80
9.78
0.36%
4.05%
—
6.51
Dividend per sh$
3.25
2.99
2.98
2.92
2.82
2.95
3.05
3.03
2.72
2.57
3.81
(1.86%)
(2.13%)
—
28.75
Div yield (avg)%
11.36
14.22
16.51
16.39
18.05
15.11
17.63
18.17
20.86
22.05
24.75
18.17
17.07
67
10.90
Payout ratio%
11.26
12.75
15.11
15.93
13.91
12.28
10.79
11.67
13.12
13.90
24.47
12.28
12.93
59
39.03
Shares (diluted)M
59.90
61.28
68.38
76.09
75.37
76.12
82.11
83.38
81.10
82.13
39.86
1.73%
3.28%
70
14.79
Buyback yield%
6.11
6.70
8.21
10.19
10.63
11.32
10.40
9.31
11.33
13.28
22.45
11.32
10.30
75
25.57
Eq/Assets%
48.91
53.70
49.87
49.83
46.19
49.81
53.41
51.13
53.79
47.69
93.63
51.13
49.85
94
383.2
Assets$M
453.6
509.6
544.0
583.8
606.5
665.0
713.5
757.8
798.1
845.1
341.7
6.86%
6.97%
18
401.4
LT debt$M
446.3
471.4
506.4
509.5
524.1
572.8
641.0
705.2
833.6
942.5
175.6
12.46%
8.36%
61
Total assets
$845.1M
6.97%
0.87×
Revenue
$624.7M
8.41%
1.00×
Non-interest expense
$358.6M
8.17%
0.98×
Net interest income
78.46%
Non-interest income
21.54%