221.2
Revenue$M
574.0
601.2
615.3
629.0
657.8
668.5
699.1
740.9
776.9
797.7
245.5
3.93%
3.59%
85
16.86
Revenue growth%
4.48
2.50
3.38
0.80
0.94
1.52
1.54
3.38
4.09
2.93
14.59
2.93
2.71
64
6.39
NIM%
2.94
3.04
0.77
0.40
0.40
2.95
4.50
4.14
3.72
3.84
9.09
3.84
3.00
10
25.17
Effic. R.%
18.51
21.20
20.26
22.43
25.12
24.77
22.02
19.25
18.04
16.47
26.53
19.25
20.73
23
6.11
Net margin%
13.70
11.70
9.62
11.86
10.60
8.35
8.81
10.94
9.44
9.49
6.39
9.44
10.11
62
9.791
P/E ratio (avg)x
13.96
13.82
13.70
13.97
13.79
15.42
15.68
15.39
16.14
17.71
29.08
15.68
14.68
16
31.18
P/TBVx
35.37
34.53
34.01
31.88
33.27
34.40
36.63
36.37
39.33
38.90
17.37
36.63
34.95
38
16.84
P/Bx
24.80
26.33
28.31
28.03
23.80
22.36
22.36
24.05
21.63
22.01
25.34
22.36
23.93
44
260.7
NII$M
329.8
345.1
357.0
357.8
378.2
388.4
405.3
432.2
448.2
453.9
444.6
3.72%
3.59%
—
28.23
NII grth%
16.45
19.03
18.52
19.54
19.38
20.24
22.93
20.51
21.46
18.76
14.12
20.51
19.46
8
24.15
ROTE%
6.21
5.18
6.11
7.80
6.58
8.26
7.05
6.07
7.52
9.75
29.50
7.52
6.81
44
19.29
Return on equity%
19.66
20.90
19.18
18.96
17.44
19.07
19.79
18.06
20.87
17.94
10.37
19.07
19.13
83
19.29
Return on assets%
12.70
10.20
10.06
10.83
12.88
15.08
17.95
19.86
20.93
18.73
19.33
18.73
13.98
70
5.61
EPS$
3.04
3.44
3.38
3.43
4.00
4.45
4.61
5.28
5.76
6.60
6.22
10.53%
8.60%
—
16.69
EPS growth%
20.96
23.02
21.98
24.48
24.09
26.88
24.17
21.68
20.30
23.02
26.70
23.02
23.02
92
2.41
Bookvalue per sh$
1.50
1.46
1.44
1.50
1.37
1.34
1.50
1.59
1.52
1.47
4.43
1.41%
0.65%
—
4.27
TBV/sh$
4.87
4.43
4.40
4.79
5.01
4.45
4.00
4.06
4.44
3.85
8.47
(5.15%)
(2.73%)
—
6.85
Dividend per sh$
3.90
3.65
4.05
4.27
4.55
4.14
4.52
4.97
5.43
5.84
5.86
5.14%
5.02%
—
18.37
Div yield (avg)%
15.47
13.43
12.69
15.44
14.98
13.74
12.04
12.04
10.61
9.99
24.51
12.04
13.06
17
15.26
Payout ratio%
23.66
23.99
21.66
21.90
21.99
19.67
18.65
17.78
19.41
16.47
8.13
18.65
20.66
6
31.19
Shares (diluted)M
44.93
47.09
54.80
65.17
64.02
74.86
83.33
89.23
90.43
99.52
32.35
9.23%
8.88%
71
27.17
Buyback yield%
15.48
12.84
13.84
11.41
9.15
9.98
10.50
7.94
8.00
8.56
19.83
8.56
10.24
91
63.67
Eq/Assets%
123.06
118.74
128.02
147.64
161.60
153.82
173.40
204.35
210.78
205.79
68.48
204.35
157.71
83
204.4
Assets$M
263.5
279.7
308.9
344.0
366.3
403.4
438.3
484.9
511.4
577.3
235.2
9.53%
8.67%
66
226.3
LT debt$M
761.8
844.3
820.0
826.2
785.6
860.8
808.0
893.3
876.9
888.8
31.61
2.50%
2.08%
80
Total assets
$577.3M
8.67%
1.62×
Revenue
$797.7M
3.59%
1.00×
Non-interest expense
$390.0M
3.45%
0.99×
Net interest income
56.90%
Non-interest income
43.10%
Return on capital
147.18%