69.60
Revenue$M
517.6
534.6
556.1
571.8
575.5
583.2
592.8
599.9
613.9
616.0
75.96
1.37%
1.92%
10
27.50
Revenue growth%
25.69
22.92
22.25
20.84
19.63
19.12
21.71
22.64
22.82
21.05
17.06
21.71
21.98
83
9.51
NIM%
7.40
6.32
8.17
9.85
10.40
12.20
11.59
13.76
14.60
13.76
20.17
13.76
10.99
58
13.28
Effic. R.%
17.60
15.33
16.45
16.65
19.16
18.86
18.00
20.45
17.90
15.71
3.86
18.00
17.75
28
10.92
Net margin%
12.71
11.95
13.70
16.62
19.47
20.90
20.91
21.14
23.79
22.07
15.57
21.14
20.19
71
21.50
P/E ratio (avg)x
15.01
16.63
18.42
20.92
21.60
21.36
24.34
24.05
25.12
25.42
27.73
24.34
21.48
75
37.26
P/TBVx
25.68
28.42
29.01
28.66
31.40
35.67
37.55
37.50
40.39
45.62
8.782
37.55
33.53
59
17.39
P/Bx
19.51
21.29
19.45
19.47
19.83
17.57
15.99
14.15
12.52
12.05
22.84
14.15
18.51
10
163.2
NII$M
402.7
408.4
424.9
437.0
449.0
453.7
457.5
459.5
474.7
469.2
40.04
0.89%
1.89%
—
26.51
NII grth%
17.11
15.99
17.18
14.97
15.86
16.73
15.46
16.29
15.59
14.02
24.11
15.59
15.92
87
9.42
ROTE%
12.73
13.33
10.48
8.55
5.69
7.98
8.74
9.68
12.07
9.21
24.57
9.21
9.44
39
13.49
Return on equity%
18.39
17.07
14.26
13.26
10.85
12.61
13.79
16.40
18.18
16.18
21.28
16.18
15.22
85
28.08
Return on assets%
24.48
26.72
24.81
26.22
28.82
26.72
26.81
24.42
22.45
21.71
25.12
24.42
25.52
32
2.90
EPS$
10.50
10.88
13.06
15.73
19.01
19.38
22.34
23.91
25.40
30.55
3.21
9.95%
11.31%
—
7.50
EPS growth%
4.99
2.91
5.23
5.48
3.33
3.66
0.94
1.92
1.09
0.55
15.64
1.09
3.12
18
8.49
Bookvalue per sh$
1.91
1.81
1.81
1.88
1.88
1.98
2.14
1.99
2.16
2.15
2.59
2.71%
2.13%
—
7.92
TBV/sh$
4.31
4.21
4.80
4.58
4.43
4.68
5.15
5.47
5.41
5.66
1.44
5.01%
3.88%
—
9.23
Dividend per sh$
7.29
6.92
6.43
7.09
8.16
8.26
9.14
10.42
9.98
9.59
6.05
3.29%
2.70%
—
7.71
Div yield (avg)%
24.98
22.65
25.16
23.20
24.65
23.11
22.64
22.19
21.52
19.35
10.72
22.19
22.88
50
29.87
Payout ratio%
2.44
0.40
0.40
1.56
1.48
0.40
0.40
0.40
0.40
0.40
3.00
0.40
0.40
81
41.34
Shares (diluted)M
53.57
62.27
61.85
67.89
74.08
69.98
69.32
80.40
81.30
90.60
41.64
4.11%
5.19%
85
13.60
Buyback yield%
9.93
7.32
5.46
4.16
6.04
6.33
4.22
4.41
3.79
4.61
8.58
4.41
5.03
5
93.82
Eq/Assets%
39.13
40.69
42.45
44.73
51.84
49.60
49.84
55.39
55.90
66.04
67.80
55.39
49.72
12
0.281
Assets$B
2.110
2.288
2.543
2.661
2.826
3.129
3.364
3.790
4.105
4.394
0.032
9.23%
8.65%
8
98.87
LT debt$M
496.2
488.2
522.1
545.5
554.2
509.9
540.0
510.3
566.6
562.2
525.2
0.29%
2.54%
43
Total assets
$4.394B
8.65%
1.90×
Revenue
$616.0M
1.92%
1.00×
Non-interest expense
$327.9M
1.90%
1.00×
Net interest income
76.17%
Non-interest income
23.83%
Spread over hurdle
12.02%