250.5
Revenue$M
464.4
458.3
470.4
470.2
473.5
475.4
479.6
496.6
511.9
506.8
280.4
1.37%
1.06%
93
18.03
Revenue growth%
0.40
1.52
3.63
3.54
0.70
0.40
0.40
1.54
3.18
4.72
20.22
1.54
1.53
70
2.32
NIM%
12.58
9.63
7.19
4.34
1.52
0.40
0.40
0.40
0.40
2.12
13.00
0.40
1.82
21
12.21
Effic. R.%
20.70
19.10
20.90
22.63
23.05
25.00
22.42
21.08
19.37
21.45
16.52
21.45
21.27
9
6.05
Net margin%
28.98
31.38
33.90
35.45
33.11
34.03
36.23
36.89
34.91
33.04
18.23
34.91
33.96
61
10.33
P/E ratio (avg)x
29.82
29.62
29.78
29.38
31.12
32.91
36.45
34.89
34.05
36.22
20.24
34.89
32.01
45
28.68
P/TBVx
14.46
14.75
14.32
12.88
11.98
10.39
9.470
8.609
8.518
8.291
7.816
8.609
11.19
62
24.54
P/Bx
20.35
18.30
18.67
16.89
15.18
14.83
14.09
13.77
13.72
11.74
36.08
13.77
15.00
38
249.5
NII$M
287.7
284.0
299.6
296.0
298.8
299.0
304.8
311.2
320.9
316.2
309.0
1.14%
1.04%
—
23.90
NII grth%
2.59
2.96
1.14
1.91
1.02
2.35
2.19
0.40
1.87
3.04
21.75
2.19
2.05
90
20.42
ROTE%
19.99
19.75
20.65
19.31
17.67
18.61
18.30
15.47
12.84
12.31
18.04
15.47
18.46
19
12.65
Return on equity%
28.12
27.97
27.31
27.63
28.78
31.51
32.91
32.23
30.10
32.95
5.32
32.23
29.44
74
2.25
Return on assets%
14.38
14.45
12.52
10.79
7.99
7.81
7.98
10.87
11.07
13.03
3.69
10.87
10.97
94
6.12
EPS$
2.51
2.85
3.02
3.30
3.35
3.14
3.52
3.83
4.31
4.98
6.27
8.26%
6.85%
—
5.62
EPS growth%
12.65
10.06
8.43
10.50
11.35
8.54
8.70
6.55
8.23
10.59
25.55
8.54
9.38
38
6.48
Bookvalue per sh$
1.48
1.52
1.55
1.53
1.63
1.49
1.32
1.28
1.19
1.19
2.48
(6.11%)
(1.89%)
—
5.50
TBV/sh$
4.09
3.99
4.35
4.61
4.19
3.91
4.12
4.25
4.01
3.58
5.45
(3.12%)
(2.70%)
—
4.51
Dividend per sh$
4.14
3.90
3.36
3.12
2.86
2.72
2.80
2.59
2.54
2.51
3.37
(2.59%)
(5.43%)
—
10.01
Div yield (avg)%
13.72
13.16
16.04
17.11
18.10
19.02
19.99
18.24
16.73
17.26
8.50
18.24
17.19
39
24.51
Payout ratio%
20.80
18.08
20.52
22.40
20.39
21.15
23.88
26.25
27.39
27.58
2.19
26.25
21.77
28
23.69
Shares (diluted)M
27.20
25.52
23.60
23.06
21.96
21.82
20.97
19.96
21.89
19.60
23.20
(2.25%)
(3.19%)
66
6.69
Buyback yield%
15.63
15.74
16.58
13.69
13.70
11.08
11.42
12.03
13.41
15.35
25.36
12.03
13.69
70
80.07
Eq/Assets%
13.27
13.67
13.39
12.55
12.85
13.40
12.43
10.67
9.27
8.92
78.19
10.67
12.70
56
393.3
Assets$M
291.1
296.1
329.6
358.6
387.6
428.5
453.0
496.3
563.7
624.5
378.3
10.01%
9.00%
82
290.1
LT debt$M
381.4
364.4
357.6
362.8
347.7
319.8
364.5
408.8
402.4
408.8
78.14
3.29%
0.74%
80
Total assets
$624.5M
9.00%
2.13×
Revenue
$506.8M
1.06%
1.00×
Non-interest expense
$288.3M
1.26%
1.02×
Net interest income
62.39%
Non-interest income
37.61%
Return on capital
101.49%