741.8
Revenue$M
441.8
490.2
525.9
565.3
617.9
681.2
728.4
780.3
847.0
928.6
770.0
8.49%
8.74%
53
10.87
Revenue growth%
21.56
19.96
18.35
18.72
16.58
15.77
13.78
16.28
16.31
15.33
8.16
15.77
16.45
74
14.27
NIM%
32.28
31.35
34.12
36.80
34.67
33.74
30.85
31.21
30.09
30.83
7.04
30.85
31.81
39
19.16
Effic. R.%
14.96
14.65
15.86
16.62
19.34
22.13
22.20
23.09
23.74
24.62
28.76
23.09
20.74
66
13.23
Net margin%
19.11
21.19
19.41
21.35
20.32
19.49
21.47
23.09
23.00
23.48
2.26
23.00
21.27
87
36.25
P/E ratio (avg)x
26.73
29.32
33.26
32.85
32.56
37.75
38.06
43.07
48.92
48.19
23.91
43.07
35.51
94
25.60
P/TBVx
7.666
8.102
8.997
9.440
10.81
11.22
12.99
14.20
15.08
15.81
7.751
14.20
11.01
68
30.88
P/Bx
30.89
31.95
32.04
33.97
37.64
38.02
41.89
37.65
37.83
37.94
25.36
37.94
37.64
19
136.9
NII$M
338.7
381.0
401.6
428.6
477.8
519.4
559.7
604.7
655.8
719.6
944.1
8.54%
8.71%
—
4.16
NII grth%
28.38
26.55
24.76
25.41
26.41
28.66
31.05
31.57
32.51
30.49
23.71
31.05
28.52
75
9.19
ROTE%
15.72
15.61
15.68
14.11
14.82
15.24
12.61
13.31
12.98
12.32
28.49
12.98
14.47
88
19.63
Return on equity%
24.62
26.84
29.33
31.16
30.08
32.79
31.42
29.35
30.12
28.99
25.25
30.12
29.72
86
18.72
Return on assets%
28.63
31.48
34.18
32.46
29.96
31.59
32.23
33.71
32.22
34.58
26.35
32.23
32.23
81
8.13
EPS$
6.03
6.02
6.25
6.23
5.61
5.42
4.78
5.06
4.70
4.45
8.33
(4.53%)
(3.63%)
—
2.45
EPS growth%
6.75
7.72
5.43
7.39
4.79
3.41
1.82
1.20
3.72
2.79
2.24
2.79
4.26
25
13.44
Bookvalue per sh$
6.51
6.39
6.35
6.30
6.28
6.92
6.66
6.16
6.60
6.97
14.37
2.13%
2.14%
—
14.24
TBV/sh$
14.31
15.54
13.90
13.40
13.21
14.41
14.86
14.11
13.45
13.24
4.80
0.04%
(1.01%)
—
10.29
Dividend per sh$
10.13
10.15
10.36
9.68
10.55
10.29
9.79
10.00
9.69
9.25
15.06
(2.59%)
(0.61%)
—
4.29
Div yield (avg)%
15.69
17.67
19.02
21.78
21.54
22.91
22.47
23.66
24.69
27.27
20.31
23.66
22.12
44
3.99
Payout ratio%
24.48
26.07
27.64
27.95
30.89
32.44
29.84
29.97
31.70
31.63
23.84
31.63
29.90
76
49.30
Shares (diluted)M
52.29
47.69
53.29
58.49
54.01
59.45
60.84
60.04
65.96
62.46
50.18
2.95%
2.59%
91
5.63
Buyback yield%
11.82
9.98
9.96
7.11
4.87
3.89
3.25
2.91
4.44
3.32
8.65
3.32
4.65
56
105.55
Eq/Assets%
81.05
88.29
96.45
90.32
93.46
91.11
100.76
92.00
83.74
92.00
91.25
92.00
91.55
74
0.892
Assets$B
0.255
0.278
0.300
0.321
0.352
0.393
0.410
0.433
0.494
0.534
1.022
8.68%
8.84%
92
737.0
LT debt$M
378.8
354.4
320.6
324.1
288.6
317.7
336.4
342.3
365.7
381.0
985.3
5.72%
(0.10%)
63
Total assets
$534.4M
8.84%
1.01×
Revenue
$928.6M
8.74%
1.00×
Non-interest expense
$472.6M
8.77%
1.00×
Net interest income
77.49%
Non-interest income
22.51%
Return on capital
154.22%
Spread over hurdle
146.97%