302.0
Revenue$M
355.7
366.9
377.7
387.9
409.3
426.1
450.8
464.6
477.7
492.2
337.8
3.76%
3.64%
44
21.35
Revenue growth%
18.51
20.10
21.89
24.69
25.37
22.60
21.12
18.88
18.07
20.97
17.07
20.97
21.04
23
2.06
NIM%
1.90
2.87
5.25
2.55
3.44
1.49
4.10
6.91
5.67
4.57
27.37
4.57
3.77
71
2.89
Effic. R.%
13.28
11.03
10.66
7.67
6.05
3.56
1.98
0.40
0.94
0.40
16.05
0.94
4.80
57
21.24
Net margin%
16.87
18.79
20.44
21.53
19.26
18.55
20.35
19.34
17.96
19.58
17.51
19.34
19.30
59
32.90
P/E ratio (avg)x
40.45
47.54
53.66
57.19
66.03
78.03
86.32
93.44
108.4
129.7
11.48
93.44
72.03
68
7.365
P/TBVx
14.94
13.56
12.06
12.00
10.38
9.956
9.339
8.658
8.433
7.236
30.77
8.658
10.17
6
17.45
P/Bx
21.56
24.07
22.45
20.67
19.28
20.62
20.46
22.42
20.20
19.74
26.52
20.46
20.64
91
161.0
NII$M
276.5
283.5
291.1
299.6
318.9
333.1
345.2
361.6
368.4
376.1
313.2
3.35%
3.44%
—
5.44
NII grth%
29.25
28.42
25.46
23.33
23.60
20.96
18.66
20.75
23.34
25.60
28.71
20.96
23.47
32
12.84
ROTE%
6.16
5.42
8.16
9.68
11.80
10.08
9.17
7.13
5.14
2.91
17.32
7.13
7.65
7
17.33
Return on equity%
11.59
13.70
14.36
11.71
12.79
15.73
18.10
18.65
19.52
17.48
10.52
18.10
15.05
22
5.60
Return on assets%
20.07
18.14
17.47
18.20
19.63
20.47
20.55
18.20
20.76
21.10
22.26
20.55
19.85
90
1.32
EPS$
2.86
3.09
2.64
2.66
2.47
2.16
2.19
1.92
1.88
1.67
1.42
(7.54%)
(5.33%)
—
27.94
EPS growth%
25.29
24.22
25.90
25.94
27.96
26.75
27.21
28.80
26.77
26.03
19.88
26.77
26.39
81
1.73
Bookvalue per sh$
8.50
8.38
9.97
10.82
12.61
12.21
12.13
13.17
14.43
14.85
3.20
3.34%
5.46%
—
1.46
TBV/sh$
4.15
4.16
3.72
3.95
3.87
3.90
3.58
3.75
4.16
4.04
3.83
0.90%
0.51%
—
6.22
Dividend per sh$
7.79
7.70
8.43
9.35
10.43
11.25
11.70
12.40
12.77
12.82
5.26
4.22%
4.44%
—
18.23
Div yield (avg)%
16.71
13.83
11.23
9.33
10.53
13.29
14.85
16.80
15.29
17.21
13.88
15.29
14.34
19
14.20
Payout ratio%
8.51
11.38
9.01
9.60
12.06
12.50
14.50
12.29
10.42
9.98
15.95
12.29
10.90
58
40.01
Shares (diluted)M
62.37
65.19
66.35
79.49
80.05
80.78
81.06
94.76
106.4
113.8
38.95
7.28%
7.79%
16
3.51
Buyback yield%
28.33
29.11
27.77
29.88
29.08
28.06
28.22
26.64
23.73
21.40
29.56
26.64
28.14
80
93.76
Eq/Assets%
111.72
114.44
125.75
145.20
150.01
147.72
162.50
179.77
168.50
168.59
105.20
168.50
148.86
47
282.7
Assets$M
336.8
362.3
385.1
407.8
458.0
497.1
537.3
606.7
655.4
697.0
336.9
8.76%
8.70%
26
135.8
LT debt$M
96.52
90.63
87.77
91.39
86.41
83.43
82.69
91.22
97.79
96.00
193.5
2.13%
(1.29%)
35
Total assets
$697.0M
8.70%
1.61×
Revenue
$492.2M
3.64%
1.00×
Non-interest expense
$239.7M
3.64%
1.00×
Net interest income
76.42%
Non-interest income
23.58%