193.3
Revenue$M
260.6
263.5
266.8
265.1
268.8
263.1
268.2
273.3
279.9
283.9
201.1
1.10%
0.68%
34
10.31
Revenue growth%
28.28
25.93
26.40
26.22
24.71
26.16
28.80
27.14
29.88
32.19
3.52
28.80
26.77
49
3.07
NIM%
24.64
24.96
23.16
25.47
27.28
24.91
21.91
20.26
18.78
18.20
18.69
20.26
23.90
87
6.83
Effic. R.%
18.42
15.50
17.32
18.27
17.01
19.56
17.85
19.39
17.94
20.45
4.49
19.39
18.10
15
29.82
Net margin%
20.28
19.67
16.86
14.77
14.38
15.61
12.80
12.52
13.49
11.92
28.31
12.80
14.57
14
6.518
P/E ratio (avg)x
10.43
9.392
9.829
10.76
10.75
9.679
9.868
10.96
12.07
11.25
14.58
10.96
10.59
59
34.80
P/TBVx
9.993
9.706
9.804
10.82
10.01
10.25
11.25
12.46
13.39
12.79
20.68
12.46
10.53
44
35.00
P/Bx
29.54
25.03
26.37
28.15
29.64
29.09
30.21
26.46
25.99
24.39
14.23
26.46
27.31
46
74.44
NII$M
196.8
198.7
200.7
202.9
205.8
198.5
201.9
207.6
211.5
214.7
147.7
0.85%
0.66%
—
20.07
NII grth%
8.40
9.41
10.75
11.89
14.16
11.85
13.62
14.11
13.93
14.60
24.69
13.93
12.75
89
27.58
ROTE%
15.01
13.71
12.55
13.09
15.89
15.25
13.99
11.05
8.61
11.19
17.13
11.19
13.40
29
24.92
Return on equity%
8.62
7.17
4.56
2.77
2.59
4.75
6.12
8.29
10.04
8.42
13.01
8.29
6.64
71
9.01
Return on assets%
5.39
6.37
5.10
5.33
6.52
9.44
9.77
11.46
9.81
8.70
15.99
9.77
7.61
8
3.44
EPS$
5.39
5.94
6.09
6.12
7.03
8.34
8.95
9.10
9.33
10.96
3.84
9.29%
8.31%
—
23.02
EPS growth%
14.36
12.03
13.30
16.10
17.34
16.81
19.70
22.22
22.10
22.33
29.17
22.10
17.08
15
1.57
Bookvalue per sh$
2.94
3.28
3.15
2.96
2.87
2.97
2.87
2.74
3.04
3.26
0.96
2.57%
0.73%
—
3.11
TBV/sh$
1.31
1.33
1.55
1.70
1.78
1.77
1.88
2.14
2.01
2.09
2.55
3.21%
6.21%
—
0.72
Dividend per sh$
0.97
1.14
1.33
1.52
1.67
1.93
2.28
2.41
2.84
3.31
2.93
14.73%
14.61%
—
15.13
Div yield (avg)%
20.58
23.16
20.45
22.80
21.68
23.28
24.35
21.91
19.44
16.89
26.39
21.91
21.79
19
12.31
Payout ratio%
8.35
6.85
5.26
4.05
4.38
4.75
6.79
8.40
9.79
7.97
21.05
7.97
6.82
83
64.77
Shares (diluted)M
64.33
64.91
68.29
65.03
70.28
62.18
65.41
67.16
66.60
68.17
66.46
(0.61%)
0.81%
5
7.37
Buyback yield%
21.85
21.16
20.33
17.40
14.99
12.50
13.32
13.12
13.31
11.65
4.18
13.12
14.16
75
178.40
Eq/Assets%
129.06
140.56
154.31
172.79
175.75
188.44
215.85
254.82
258.75
267.74
48.61
254.82
182.10
57
122.6
Assets$M
159.2
178.2
191.9
207.8
225.1
238.9
265.1
289.2
313.5
324.6
146.1
7.59%
8.13%
63
65.58
LT debt$M
82.70
87.23
75.44
81.60
80.16
85.67
72.83
74.44
71.74
61.05
149.6
(5.30%)
(4.38%)
39
Total assets
$324.6M
8.13%
2.04×
Revenue
$283.9M
0.68%
1.00×
Non-interest expense
$171.3M
0.64%
1.00×
Net interest income
75.65%
Non-interest income
24.35%