232.1
Revenue$M
137.0
152.0
166.8
180.7
193.4
213.2
232.7
253.2
271.2
298.7
256.5
9.08%
8.91%
47
23.06
Revenue growth%
3.48
3.50
4.82
7.05
9.04
9.20
9.13
9.80
8.46
9.69
14.74
9.20
8.75
21
14.97
NIM%
21.50
20.23
19.05
19.69
20.05
18.86
17.42
15.55
17.62
18.38
7.12
17.62
18.96
65
26.62
Effic. R.%
5.42
7.77
9.55
12.51
11.91
12.29
10.17
12.86
11.47
11.69
27.37
11.69
11.58
74
28.30
Net margin%
16.27
14.82
14.50
12.26
13.36
11.52
11.82
12.25
14.03
16.36
4.05
12.25
13.69
11
21.20
P/E ratio (avg)x
41.96
45.67
47.07
46.46
46.86
49.51
50.29
55.00
55.04
60.05
15.62
55.00
48.29
90
37.76
P/TBVx
15.29
15.49
15.83
15.21
13.79
13.59
13.92
14.49
15.70
15.60
19.18
14.49
15.25
77
25.95
P/Bx
18.87
21.26
25.27
27.45
29.29
29.47
35.09
42.30
47.59
48.79
7.030
42.30
29.38
66
179.9
NII$M
101.8
112.8
125.2
135.2
142.0
157.6
171.1
185.8
199.8
223.9
82.79
9.54%
8.95%
—
13.95
NII grth%
7.04
6.00
3.32
5.89
7.57
5.49
4.24
2.49
0.40
2.99
8.31
2.99
4.86
45
26.98
ROTE%
24.10
24.67
26.43
28.54
30.08
30.14
31.21
32.00
32.43
35.42
17.63
32.00
30.11
77
12.38
Return on equity%
5.94
6.49
6.29
3.46
1.95
2.67
1.27
0.40
2.65
3.79
13.66
2.65
3.07
76
18.65
Return on assets%
10.39
9.92
12.23
12.01
10.60
10.29
7.33
8.93
7.47
8.91
18.87
8.91
10.11
85
6.35
EPS$
4.21
3.89
3.84
4.14
4.49
4.88
4.47
4.66
4.57
4.69
7.08
0.90%
0.96%
—
8.10
EPS growth%
23.57
24.59
25.69
27.74
30.55
32.82
34.40
36.42
34.46
33.70
20.15
34.40
31.69
49
5.19
Bookvalue per sh$
4.49
4.15
3.79
3.98
4.49
4.97
4.89
5.16
5.31
5.22
7.32
3.08%
0.61%
—
1.58
TBV/sh$
5.50
5.29
5.24
4.63
4.60
4.09
4.29
3.94
3.85
3.69
1.95
(4.30%)
(3.72%)
—
4.44
Dividend per sh$
5.36
5.66
6.00
6.31
6.61
6.43
7.27
7.08
7.70
7.49
2.64
2.53%
3.01%
—
29.93
Div yield (avg)%
12.11
12.39
13.34
12.52
13.13
10.67
10.91
11.08
13.65
14.00
16.92
11.08
12.45
37
15.87
Payout ratio%
16.48
15.54
17.81
16.82
17.00
14.07
14.87
14.19
12.66
15.09
9.61
14.19
15.32
68
17.23
Shares (diluted)M
21.07
21.01
19.16
17.21
16.85
18.13
18.20
16.84
17.25
15.44
17.41
(1.73%)
(2.05%)
8
18.00
Buyback yield%
14.89
16.24
17.75
18.67
18.64
20.75
19.54
18.75
16.93
16.28
27.97
18.75
18.19
91
167.43
Eq/Assets%
323.50
301.79
285.99
309.86
316.12
361.37
365.85
406.91
449.48
470.41
166.11
406.91
342.44
63
0.265
Assets$B
0.538
0.560
0.602
0.674
0.717
0.787
0.886
0.939
1.029
1.101
0.102
8.97%
8.04%
39
288.7
LT debt$M
233.3
256.3
276.8
314.2
349.9
398.4
445.2
457.4
489.2
510.0
188.3
7.83%
9.42%
79
Total assets
$1.101B
8.04%
0.92×
Revenue
$298.7M
8.91%
1.00×
Non-interest expense
$177.4M
9.01%
1.01×
Net interest income
74.96%
Non-interest income
25.04%