127.4
Revenue$M
147.0
160.2
169.8
185.1
200.5
217.8
236.4
251.7
271.4
299.4
139.7
8.35%
8.43%
79
23.30
Revenue growth%
23.51
21.54
23.11
24.97
22.94
24.34
24.79
27.77
29.42
28.68
23.10
27.77
24.57
80
24.92
NIM%
5.93
3.35
4.90
6.11
3.15
2.09
3.48
5.92
3.08
0.40
15.21
3.08
3.42
91
4.73
Effic. R.%
13.64
16.09
15.78
17.98
15.98
17.30
15.57
17.37
19.69
21.37
2.26
17.37
16.69
43
12.83
Net margin%
20.21
21.27
19.54
21.54
20.57
17.64
15.88
14.87
17.77
20.07
11.33
17.64
19.80
36
19.23
P/E ratio (avg)x
28.74
31.65
36.84
42.24
42.43
48.11
53.57
52.53
51.28
54.01
10.32
52.53
45.27
84
9.795
P/TBVx
26.82
25.74
27.27
29.05
32.76
35.38
42.01
40.49
40.62
42.87
10.51
40.62
34.07
94
28.38
P/Bx
43.93
52.60
53.97
55.69
66.74
78.15
88.09
96.48
96.51
104.0
36.40
96.48
72.44
17
178.3
NII$M
83.23
89.27
93.11
104.2
111.9
121.8
133.3
141.3
153.3
168.4
95.41
8.51%
8.64%
—
16.31
NII grth%
14.64
14.23
12.91
10.23
11.79
13.11
13.07
13.45
12.72
12.60
7.85
13.07
12.99
48
2.85
ROTE%
15.42
15.00
13.90
11.34
8.36
7.08
4.93
7.44
7.19
4.88
12.58
7.08
7.90
20
28.38
Return on equity%
10.19
10.43
8.81
10.25
7.57
8.56
9.56
9.65
11.13
10.88
28.80
9.65
9.92
57
13.38
Return on assets%
5.10
7.58
6.47
4.77
6.96
9.18
11.01
11.86
12.99
14.19
16.09
11.86
8.38
89
3.78
EPS$
1.63
1.73
2.02
2.41
2.59
2.87
3.11
3.62
3.83
4.19
4.23
10.09%
10.57%
—
15.26
EPS growth%
8.43
8.57
8.48
5.59
7.51
6.71
4.69
3.97
3.06
0.40
4.35
3.97
6.15
20
1.31
Bookvalue per sh$
3.97
4.10
4.47
5.24
5.62
5.82
6.44
6.25
7.05
7.40
1.07
5.65%
6.81%
—
2.04
TBV/sh$
1.81
1.98
2.07
2.12
2.39
2.82
2.94
3.29
3.88
4.44
1.42
13.17%
9.61%
—
2.21
Dividend per sh$
1.02
1.12
1.17
1.07
1.12
1.02
1.02
1.15
1.26
1.17
1.75
0.77%
1.03%
—
14.76
Div yield (avg)%
9.27
9.55
8.29
5.57
7.07
8.05
8.08
5.63
8.23
10.06
5.31
8.08
8.16
17
10.26
Payout ratio%
8.54
10.54
9.92
10.83
8.45
8.86
9.77
8.26
8.76
11.76
14.19
8.86
9.31
6
34.66
Shares (diluted)M
32.94
37.13
42.10
45.53
41.86
46.17
48.03
51.87
51.83
54.03
34.78
5.24%
4.50%
44
27.32
Buyback yield%
11.96
14.85
13.63
15.64
13.22
12.49
11.10
13.60
12.69
11.67
27.98
12.49
12.95
57
105.09
Eq/Assets%
74.12
68.44
59.91
56.44
59.73
58.86
59.68
62.93
67.46
65.47
121.79
62.93
61.42
68
0.052
Assets$B
0.626
0.658
0.692
0.722
0.796
0.850
0.962
1.026
1.154
1.286
0.125
10.08%
8.15%
72
164.0
LT debt$M
121.7
106.4
112.2
98.94
97.16
94.26
98.58
89.53
90.46
94.84
163.7
(0.48%)
(3.68%)
55
Total assets
$1.286B
8.15%
0.97×
Revenue
$299.4M
8.43%
1.00×
Non-interest expense
$135.0M
8.20%
0.98×
Net interest income
56.25%
Non-interest income
43.75%