460.0
Revenue$M
391.2
408.3
418.5
426.8
439.5
452.8
467.0
474.9
480.7
503.1
511.8
2.74%
2.98%
37
6.57
Revenue growth%
15.13
14.45
17.18
16.70
17.53
17.13
17.00
17.88
19.10
16.42
29.37
17.13
17.07
79
8.45
NIM%
0.40
2.54
4.52
6.69
9.38
9.63
8.84
8.81
8.20
8.25
23.25
8.81
8.23
18
12.67
Effic. R.%
14.95
13.68
11.59
9.45
9.55
12.50
9.98
12.31
12.73
9.81
4.33
12.31
11.95
33
17.83
Net margin%
20.54
18.47
19.98
20.32
19.24
20.39
19.33
21.78
23.56
20.73
5.14
20.73
20.35
62
34.11
P/E ratio (avg)x
10.44
9.245
10.10
8.953
8.155
7.546
7.638
6.941
7.519
8.101
33.08
7.546
8.128
69
13.37
P/TBVx
14.42
13.68
12.63
11.71
11.16
12.00
11.92
12.76
11.82
11.05
15.76
11.92
11.96
90
29.32
P/Bx
46.24
50.03
56.94
65.58
72.09
84.98
93.64
106.4
107.9
116.4
33.71
106.4
78.53
15
173.6
NII$M
272.1
285.0
298.7
302.4
310.2
314.6
327.8
339.1
340.8
351.9
357.1
2.55%
2.98%
—
5.39
NII grth%
16.20
15.34
15.27
17.40
18.23
17.91
18.99
19.47
20.67
22.97
2.14
19.47
18.07
18
8.17
ROTE%
19.80
18.54
20.22
22.33
20.77
17.77
14.99
13.17
12.80
13.30
27.71
13.30
18.16
14
4.26
Return on equity%
25.85
26.24
26.02
29.02
28.41
27.89
30.62
29.61
30.47
30.39
22.63
30.39
28.71
50
14.49
Return on assets%
12.78
11.82
11.60
10.80
13.66
12.10
12.07
10.55
11.60
11.93
5.02
11.93
11.87
74
5.20
EPS$
3.32
3.49
3.43
3.01
2.77
2.52
2.50
2.25
2.36
2.48
5.51
(2.14%)
(3.70%)
—
28.41
EPS growth%
17.74
14.97
15.85
13.59
14.17
11.90
9.37
9.30
10.29
9.41
3.06
9.41
12.75
73
5.99
Bookvalue per sh$
3.08
3.58
3.75
3.87
3.87
4.52
5.46
6.32
7.48
8.06
2.03
15.79%
9.93%
—
5.05
TBV/sh$
7.25
8.33
9.52
9.06
8.73
8.81
9.25
9.15
9.61
10.77
2.27
4.29%
3.41%
—
2.88
Dividend per sh$
4.37
4.05
4.38
4.06
4.22
4.36
4.09
3.91
4.01
4.42
4.59
0.96%
0.12%
—
25.90
Div yield (avg)%
13.00
14.50
11.85
10.38
13.12
10.31
13.24
13.59
14.96
17.09
6.12
13.59
13.18
37
3.72
Payout ratio%
9.11
6.36
7.26
5.64
6.04
8.88
9.80
8.31
9.60
7.79
18.24
8.88
8.05
72
50.12
Shares (diluted)M
58.89
59.72
57.23
60.09
57.71
64.98
73.87
82.34
91.93
87.60
48.10
8.71%
3.57%
46
25.47
Buyback yield%
15.14
13.16
13.74
14.38
16.47
19.32
19.82
18.06
19.35
16.53
20.50
19.32
16.50
65
85.95
Eq/Assets%
134.13
141.09
142.05
149.22
164.47
154.38
177.38
169.42
195.96
195.66
47.70
177.38
159.42
30
0.417
Assets$B
1.241
1.361
1.451
1.560
1.681
1.827
2.020
2.208
2.372
2.637
0.173
9.42%
8.64%
84
399.8
LT debt$M
418.7
490.4
569.8
623.6
632.8
630.2
726.8
857.4
883.4
980.7
36.20
9.16%
10.60%
11
Total assets
$2.637B
8.64%
1.71×
Revenue
$503.1M
2.98%
1.00×
Non-interest expense
$246.1M
2.85%
0.99×
Net interest income
69.94%
Non-interest income
30.06%