79.52
Revenue$M
270.0
273.1
274.7
279.2
281.3
281.4
283.4
279.1
282.8
83.03
86.40
0.26%
0.40%
66
10.22
Revenue growth%
2.73
2.41
0.48
0.67
0.40
0.40
2.85
4.56
6.24
10.78
15.52
2.85
1.82
63
10.76
NIM%
9.83
8.94
11.74
12.61
14.51
16.22
17.76
19.33
19.57
7.43
3.54
17.76
13.56
56
10.98
Effic. R.%
8.38
11.18
8.99
10.75
12.23
13.12
14.86
16.13
17.72
22.69
16.47
14.86
11.70
65
21.46
Net margin%
15.69
15.37
13.80
12.98
11.09
9.20
10.69
13.45
10.51
14.44
18.45
10.69
13.21
94
7.122
P/E ratio (avg)x
36.21
37.41
39.71
42.20
47.98
52.62
53.56
53.47
54.36
36.82
16.37
53.47
45.09
93
27.84
P/TBVx
22.27
19.47
19.90
17.37
16.70
17.15
16.96
18.01
18.79
29.33
32.65
17.15
18.40
70
23.70
P/Bx
50.33
55.34
57.99
65.00
67.82
67.76
80.20
80.53
85.24
19.25
18.58
80.20
66.38
44
181.9
NII$M
185.4
189.1
189.9
188.4
191.8
190.2
194.5
192.4
191.1
368.3
188.2
0.29%
0.36%
—
4.21
NII grth%
1.72
3.81
4.74
2.12
2.02
3.54
5.72
7.72
9.33
25.69
15.93
5.72
3.67
50
24.70
ROTE%
5.05
5.52
7.11
9.20
8.35
11.13
11.67
9.78
8.92
20.00
28.76
9.78
8.64
26
29.91
Return on equity%
4.03
2.15
4.45
6.36
4.94
2.66
0.40
0.51
2.51
10.23
11.64
2.51
3.35
74
7.14
Return on assets%
22.51
24.01
23.03
24.74
24.70
23.16
20.88
18.89
19.39
8.45
12.95
20.88
22.77
64
4.29
EPS$
8.76
8.58
9.93
11.98
14.37
14.83
15.04
15.31
16.13
4.69
5.25
6.14%
7.71%
—
7.84
EPS growth%
29.67
31.56
34.29
31.41
33.34
31.33
30.31
27.56
26.01
24.94
19.79
30.31
30.82
22
6.02
Bookvalue per sh$
3.12
3.11
2.81
2.72
2.92
2.57
2.70
2.62
2.58
5.17
5.98
(1.03%)
(1.59%)
—
4.01
TBV/sh$
1.39
1.21
1.06
0.97
0.84
0.83
0.89
0.88
0.76
4.26
1.88
(4.87%)
(6.68%)
—
3.79
Dividend per sh$
8.87
9.08
9.40
10.09
10.32
11.52
11.06
11.83
10.95
5.17
2.85
1.65%
4.88%
—
4.39
Div yield (avg)%
3.92
3.25
3.64
3.34
6.17
3.26
3.16
2.66
0.40
17.79
14.06
3.16
3.26
25
10.58
Payout ratio%
19.31
20.94
19.26
18.39
17.13
16.37
13.53
13.62
10.66
2.56
5.76
13.62
16.79
80
43.92
Shares (diluted)M
46.72
45.20
45.08
39.07
37.44
36.48
40.04
43.36
45.95
44.06
45.36
3.29%
(1.64%)
82
12.06
Buyback yield%
22.41
20.92
21.69
23.15
24.90
24.65
24.72
25.19
26.28
26.14
5.78
24.90
24.10
47
64.88
Eq/Assets%
248.57
264.59
273.75
320.99
386.84
454.41
469.08
531.81
593.20
69.25
69.86
469.08
353.92
25
0.345
Assets$B
0.633
0.684
0.738
0.783
0.804
0.893
0.955
1.065
1.158
0.050
0.084
8.13%
7.35%
23
34.81
LT debt$M
479.2
540.6
552.6
553.5
610.9
627.2
652.4
774.7
849.3
336.6
176.5
8.94%
7.50%
62
Total assets
$1.158B
7.35%
1.95×
Revenue
$282.8M
0.40%
1.00×
Non-interest expense
$135.5M
0.47%
1.01×
Net interest income
67.59%
Non-interest income
32.41%
Spread over hurdle
33.52%