48.34
Revenue$M
203.8
213.6
224.1
243.8
257.4
279.4
292.2
319.4
337.5
362.9
53.05
7.11%
6.76%
14
3.74
Revenue growth%
26.28
28.37
30.40
28.12
27.51
26.80
28.45
28.94
27.30
29.00
24.66
28.45
28.24
51
23.74
NIM%
18.48
18.34
20.93
22.19
23.47
25.50
23.61
26.24
25.67
26.07
15.98
25.67
23.54
79
26.50
Effic. R.%
13.56
13.29
12.50
15.35
12.95
11.74
9.30
6.83
6.58
7.64
24.92
7.64
12.12
36
2.78
Net margin%
3.36
5.95
7.82
8.29
6.35
9.31
9.87
12.28
13.12
11.82
15.77
11.82
8.80
45
17.53
P/E ratio (avg)x
15.76
15.43
17.61
19.47
20.14
20.85
20.51
19.99
22.70
22.10
22.66
20.85
20.06
93
16.28
P/TBVx
26.85
29.78
28.12
28.25
27.64
25.58
27.44
27.01
26.67
26.20
8.223
26.67
27.23
11
37.12
P/Bx
16.65
15.35
13.28
13.05
11.33
12.23
11.80
10.34
10.16
10.81
35.34
10.81
12.02
73
434.7
NII$M
159.1
164.1
172.4
186.3
199.4
217.9
225.0
246.6
261.8
277.7
125.8
6.85%
6.71%
—
18.38
NII grth%
21.84
18.91
16.15
14.91
16.50
14.71
14.36
14.40
12.97
12.34
23.84
14.36
14.81
81
4.52
ROTE%
11.36
13.20
13.44
12.80
14.13
12.88
15.63
15.97
14.23
15.93
2.61
15.63
13.78
44
18.34
Return on equity%
7.08
4.22
5.70
4.18
4.13
3.98
1.00
2.55
3.37
2.37
25.10
2.55
4.05
63
11.18
Return on assets%
7.87
9.14
11.16
10.21
11.62
11.18
8.88
7.37
7.49
6.01
10.57
7.49
9.01
28
3.04
EPS$
10.24
10.64
11.32
10.75
10.10
10.97
11.03
12.19
11.43
11.67
3.16
2.93%
2.67%
—
16.83
EPS growth%
7.56
7.90
4.96
6.20
6.35
5.79
4.06
3.03
4.33
2.43
25.14
4.06
5.38
81
2.91
Bookvalue per sh$
6.64
7.24
7.16
6.89
7.05
6.58
7.30
6.62
6.88
6.87
6.58
(0.51%)
0.56%
—
7.80
TBV/sh$
8.51
9.67
9.94
10.16
9.55
10.49
10.21
11.64
11.31
11.22
7.94
3.27%
4.31%
—
5.28
Dividend per sh$
5.99
6.18
5.93
6.59
6.15
5.86
6.40
7.01
7.71
7.46
2.22
3.94%
2.68%
—
20.45
Div yield (avg)%
10.99
9.98
8.30
9.19
6.23
4.32
2.49
1.86
3.37
2.31
23.64
2.49
5.27
77
3.76
Payout ratio%
23.36
22.39
25.22
26.30
24.46
23.69
22.64
24.31
24.48
23.51
26.15
23.69
24.00
15
43.49
Shares (diluted)M
41.37
43.02
43.26
45.55
41.55
44.05
49.25
50.10
46.84
46.18
44.72
2.14%
1.36%
70
21.44
Buyback yield%
14.75
12.32
10.56
13.22
10.43
9.76
6.91
6.70
5.17
7.57
9.62
6.91
10.09
82
170.50
Eq/Assets%
33.85
35.01
33.34
38.24
40.52
37.13
40.02
42.31
41.69
44.82
127.28
41.69
39.13
14
0.416
Assets$B
1.150
1.234
1.320
1.475
1.597
1.749
1.922
2.024
2.265
2.501
0.211
9.39%
9.69%
73
348.9
LT debt$M
388.6
370.0
365.2
397.0
396.2
411.8
426.5
470.9
535.7
596.5
403.9
8.53%
3.70%
56
Total assets
$2.501B
9.69%
1.31×
Revenue
$362.9M
6.76%
1.00×
Non-interest expense
$167.2M
6.97%
1.02×
Net interest income
76.52%
Non-interest income
23.48%