274.2
Revenue$M
198.7
218.2
236.5
258.8
276.0
301.3
330.7
354.9
377.5
409.6
306.5
8.22%
8.36%
20
16.75
Revenue growth%
8.38
7.49
6.11
6.77
6.24
3.58
3.10
1.56
0.40
0.40
21.37
1.56
4.84
91
18.00
NIM%
14.60
16.10
14.51
14.71
12.93
15.21
15.47
12.59
10.19
7.83
11.60
12.59
14.56
41
14.41
Effic. R.%
20.91
20.67
22.61
20.86
21.73
22.30
20.59
22.28
19.70
22.66
29.28
22.28
21.32
23
9.00
Net margin%
20.04
21.18
21.36
23.26
25.95
23.98
25.39
23.79
23.59
21.79
15.71
23.79
23.43
70
34.14
P/E ratio (avg)x
60.82
60.67
70.25
71.95
80.27
93.39
104.2
121.3
137.2
161.9
7.721
121.3
86.83
25
30.47
P/TBVx
24.36
23.07
21.89
21.56
22.70
21.87
21.68
24.35
22.76
25.33
26.15
22.76
22.73
29
11.32
P/Bx
37.15
32.37
33.40
31.10
33.74
35.43
31.42
28.14
26.23
23.17
10.53
28.14
31.89
58
28.09
NII$M
146.3
157.8
175.1
189.3
199.0
218.2
240.6
260.5
276.4
297.3
248.0
8.36%
8.14%
—
23.26
NII grth%
18.84
17.65
17.44
19.38
18.06
16.38
14.86
16.69
18.78
20.67
18.66
16.69
17.85
20
4.67
ROTE%
21.78
23.95
23.67
25.00
26.19
24.35
24.48
26.46
28.43
29.20
7.84
26.46
24.74
46
28.62
Return on equity%
2.91
5.65
5.41
3.87
2.49
5.12
3.38
0.45
0.40
0.40
9.48
0.45
3.14
61
24.57
Return on assets%
12.19
14.74
17.65
17.16
19.70
20.04
20.63
20.68
21.18
20.30
23.73
20.63
19.87
59
2.25
EPS$
2.95
2.72
2.93
2.74
2.86
2.82
3.19
3.31
3.58
3.76
2.49
5.65%
3.45%
—
13.52
EPS growth%
26.79
24.23
25.44
28.19
30.22
31.14
34.01
34.09
36.88
36.24
7.83
34.09
30.68
28
5.06
Bookvalue per sh$
5.10
6.04
6.10
6.93
8.16
9.87
10.49
12.42
14.08
16.85
6.68
15.60%
13.14%
—
1.75
TBV/sh$
2.84
3.14
3.07
3.34
3.40
3.56
3.89
3.86
3.89
3.68
5.85
1.58%
2.74%
—
5.75
Dividend per sh$
2.76
2.78
2.85
3.31
3.51
3.42
3.70
4.39
4.48
4.68
3.47
5.96%
5.19%
—
23.22
Div yield (avg)%
11.51
13.96
16.17
18.99
21.81
24.70
26.69
29.46
29.51
29.90
2.80
29.46
23.26
45
27.82
Payout ratio%
17.24
14.65
12.79
14.82
12.24
13.40
14.48
17.42
18.10
21.07
20.72
17.42
14.73
70
27.91
Shares (diluted)M
23.59
22.10
22.46
23.18
23.49
21.62
20.60
21.59
19.06
19.87
27.19
(3.29%)
(2.37%)
39
6.83
Buyback yield%
24.27
21.55
22.86
24.63
21.86
22.76
23.35
24.54
23.24
23.17
23.14
23.24
23.21
55
129.70
Eq/Assets%
100.70
105.39
121.19
124.36
123.87
132.31
150.01
172.31
177.10
171.94
52.96
171.94
128.34
58
0.268
Assets$B
0.474
0.502
0.563
0.614
0.675
0.717
0.796
0.879
0.977
1.036
0.027
8.95%
9.48%
85
136.1
LT debt$M
161.8
161.9
153.2
139.1
128.3
130.5
128.4
112.7
113.9
99.38
302.0
(4.98%)
(4.53%)
57
Total assets
$1.036B
9.48%
1.11×
Revenue
$409.6M
8.36%
1.00×
Non-interest expense
$234.6M
8.49%
1.01×
Net interest income
72.57%
Non-interest income
27.43%