161.6
Revenue$M
255.7
263.2
271.4
283.0
287.6
293.9
296.5
301.3
306.9
312.7
180.5
1.69%
2.13%
15
20.41
Revenue growth%
12.85
13.20
11.66
12.51
14.22
14.26
13.76
10.95
10.96
13.01
26.14
13.01
12.93
85
10.50
NIM%
16.69
14.11
16.68
15.67
18.14
20.02
20.30
19.01
19.77
18.50
23.30
19.77
18.32
54
5.62
Effic. R.%
27.37
29.99
31.87
29.28
30.47
27.74
29.96
32.41
35.04
36.34
27.83
32.41
30.23
33
25.43
Net margin%
23.99
22.52
23.74
26.52
28.79
29.76
27.68
27.71
26.29
25.89
7.95
27.68
26.41
92
10.80
P/E ratio (avg)x
10.88
11.38
10.51
11.03
11.36
12.02
11.89
12.28
14.11
15.38
26.27
12.28
11.63
23
27.84
P/TBVx
24.22
28.48
29.30
35.14
41.14
42.91
48.32
54.39
61.67
74.37
21.85
54.39
42.03
67
20.22
P/Bx
33.26
30.26
32.84
35.73
39.67
41.02
45.81
50.66
45.93
48.79
15.60
45.93
40.34
22
155.9
NII$M
149.9
156.2
162.4
167.6
172.6
172.4
176.9
175.9
183.2
182.6
59.61
1.14%
1.86%
—
21.81
NII grth%
2.62
2.80
1.73
0.40
0.40
2.10
2.60
1.38
2.98
1.37
8.46
2.10
1.92
39
17.91
ROTE%
26.23
26.24
28.07
27.10
28.38
26.02
28.74
28.95
26.22
25.92
12.17
26.22
26.67
71
29.85
Return on equity%
23.11
23.06
21.76
19.66
19.42
18.73
17.28
19.10
18.72
21.58
29.74
18.73
19.54
28
18.64
Return on assets%
4.73
7.70
8.85
11.36
11.85
10.47
8.19
8.48
5.74
4.72
18.03
8.19
8.33
75
1.11
EPS$
2.75
2.88
2.81
3.15
3.49
3.64
3.88
4.26
4.61
5.22
1.22
8.40%
6.93%
—
9.83
EPS growth%
5.37
7.33
8.46
5.60
5.53
4.61
4.95
7.41
7.03
9.00
28.65
7.03
6.32
77
5.79
Bookvalue per sh$
0.87
0.90
0.79
0.76
0.68
0.62
0.65
0.58
0.53
0.52
5.01
(5.23%)
(5.24%)
—
4.22
TBV/sh$
1.67
1.64
1.75
1.78
1.75
1.58
1.50
1.45
1.59
1.39
5.90
(4.49%)
(2.55%)
—
4.85
Dividend per sh$
4.75
5.03
5.31
4.95
5.31
5.14
5.45
4.79
4.69
4.34
2.74
(3.93%)
(1.60%)
—
10.40
Div yield (avg)%
19.40
21.67
22.06
20.59
20.93
22.51
20.98
18.97
21.97
19.69
21.97
20.98
20.96
9
25.84
Payout ratio%
13.34
13.76
11.51
10.76
10.23
10.69
12.16
13.81
14.26
14.26
28.34
13.81
12.75
65
18.92
Shares (diluted)M
18.36
19.58
20.59
22.00
20.21
20.30
19.08
17.90
18.99
21.05
19.30
0.81%
1.62%
46
9.33
Buyback yield%
5.14
2.79
1.52
2.09
4.32
4.47
6.67
5.65
6.51
5.67
19.37
5.67
4.80
35
116.04
Eq/Assets%
112.79
112.52
128.28
131.56
139.64
146.58
163.39
182.35
179.61
207.68
35.64
179.61
143.11
88
0.154
Assets$B
0.880
0.962
1.069
1.144
1.245
1.329
1.473
1.572
1.693
1.904
0.177
8.87%
8.93%
86
276.3
LT debt$M
278.6
271.6
299.8
315.0
360.9
400.7
421.7
495.2
508.0
490.9
302.0
6.35%
6.58%
68
Total assets
$1.904B
8.93%
1.90×
Revenue
$312.7M
2.13%
1.00×
Non-interest expense
$153.8M
2.03%
0.99×
Net interest income
58.41%
Non-interest income
41.59%
Spread over hurdle
12.43%