314.1
Revenue$M
427.1
426.6
427.3
429.6
439.3
444.5
448.6
468.1
483.6
500.8
345.7
2.66%
1.72%
16
3.29
Revenue growth%
19.70
19.70
16.81
19.38
16.41
15.38
12.64
9.75
7.10
8.83
8.81
9.75
15.89
27
22.98
NIM%
29.61
30.97
32.59
30.36
28.54
27.82
27.23
28.17
28.58
29.99
5.78
28.17
29.09
16
24.66
Effic. R.%
16.01
15.77
16.01
17.70
19.92
17.37
16.44
16.52
16.49
17.03
20.42
16.52
16.50
57
7.65
Net margin%
22.40
24.01
22.08
21.91
24.43
22.61
25.28
25.75
26.57
29.32
19.94
25.75
24.22
31
28.94
P/E ratio (avg)x
24.45
22.99
23.56
20.77
21.58
21.27
20.41
19.75
18.81
20.40
29.45
20.40
21.02
42
25.82
P/TBVx
34.75
40.88
43.21
49.98
53.10
60.65
66.31
78.65
87.16
86.19
12.55
78.65
56.87
81
36.88
P/Bx
14.87
14.84
15.20
13.54
13.70
12.32
11.19
11.21
11.10
10.87
10.97
11.19
12.93
40
398.4
NII$M
301.7
300.1
299.7
300.7
307.3
307.9
311.0
325.4
340.4
351.3
233.4
2.71%
1.73%
—
19.32
NII grth%
22.30
22.00
21.79
22.89
23.05
20.49
22.31
23.01
24.98
26.89
26.44
23.01
22.60
90
25.70
ROTE%
30.18
27.74
26.65
27.68
29.48
28.70
31.14
29.53
29.87
31.75
2.99
29.87
29.51
23
23.59
Return on equity%
5.22
7.72
5.22
6.96
9.37
7.37
8.77
7.06
6.19
4.26
15.90
7.06
7.01
9
8.92
Return on assets%
5.73
7.02
6.64
9.25
10.26
11.69
11.89
11.05
11.61
13.58
20.23
11.69
10.66
76
2.60
EPS$
0.88
0.81
0.74
0.79
0.77
0.83
0.92
0.96
1.03
1.11
2.79
7.50%
3.15%
—
23.26
EPS growth%
16.60
16.63
14.00
16.16
15.95
15.96
16.17
15.84
17.12
17.08
14.09
16.17
16.17
15
0.74
Bookvalue per sh$
4.20
4.58
5.19
6.07
6.91
7.50
8.46
8.18
8.34
8.63
1.84
4.53%
7.44%
—
1.78
TBV/sh$
1.19
1.22
1.15
1.13
1.13
1.20
1.23
1.16
1.26
1.30
0.60
2.98%
0.89%
—
1.71
Dividend per sh$
5.65
5.35
5.37
6.27
6.06
6.39
7.36
8.37
8.40
9.66
0.62
9.76%
5.03%
—
8.34
Div yield (avg)%
15.05
15.34
12.94
13.93
14.55
15.84
14.06
16.93
18.52
16.96
8.39
16.93
15.20
31
16.49
Payout ratio%
24.99
26.66
25.08
25.57
23.72
25.92
24.99
22.34
23.87
23.19
27.47
23.87
24.99
21
24.91
Shares (diluted)M
34.52
32.96
30.65
28.25
26.05
26.51
29.09
26.96
25.08
28.48
26.12
1.80%
(2.64%)
80
28.33
Buyback yield%
11.79
9.60
7.58
4.87
1.99
3.12
4.73
6.11
6.25
6.30
11.78
6.11
6.18
22
29.92
Eq/Assets%
128.18
122.42
113.08
116.63
110.48
107.69
103.69
111.43
119.68
121.55
111.49
111.43
114.86
11
248.3
Assets$M
270.9
301.6
325.2
359.8
392.7
441.8
502.5
525.0
566.9
611.2
31.50
9.25%
9.71%
32
356.4
LT debt$M
141.4
161.1
150.6
141.4
148.3
153.8
161.3
169.5
177.2
203.7
422.4
6.55%
3.19%
32
Total assets
$611.2M
9.71%
2.13×
Revenue
$500.8M
1.72%
1.00×
Non-interest expense
$300.1M
1.72%
1.00×
Net interest income
70.14%
Non-interest income
29.86%