Per Share Data
Annuals (USD $) View:
$
% YOY
Quarterly Revenue per Share 24.51
26.85
29.20
32.79
34.79
7.93
8.20
8.30
8.48
9.81
Earnings per Share (Diluted) 4.72
-2.98
6.68
8.04
7.22
1.87
1.95
2.07
2.15
1.05
EPS without NRI 4.74
-2.94
6.69
8.04
7.23
1.87
1.94
2.08
2.15
1.06
Owner Earnings per Share (TTM) 12.76
-15.45
14.33
-18.30
-20.84
-6.92
-15.66
-26.09
-18.30
-20.84
Free Cash Flow per Share 17.65
-4.50
13.30
-8.02
-3.03
-16.28
-1.30
0.62
9.94
-12.30
Operating Cash Flow per Share 18.60
-3.25
14.81
-5.67
-0.67
-16.06
-0.06
1.07
10.40
-12.08
Dividends per Share 0.42
0.96
1.54
1.92
1.98
0.45
0.45
0.51
0.51
0.51
Book Value per Share 74.26
70.62
75.05
82.90
83.75
77.09
79.40
81.03
82.90
83.75
Tangible Book per Share 64.04
59.96
63.54
70.15
71.35
65.32
67.41
68.81
70.15
71.35
Total Debt per Share 85.44
109.41
111.61
138.98
154.22
122.33
130.42
127.09
138.98
154.22
Month End Stock Price 59.43
74.41
52.06
79.89
49.45
62.22
70.03
69.08
79.89
42.12
Ratios
Annuals View:
$
% YOY
Quarterly Fiscal Period
Dec05
Dec06
Dec07
Dec08
Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
TTM Mar19
Jun19
Sep19
Dec19
Mar20
ROE % 6.10
-3.78
8.40
9.33
8.17
8.95
9.05
9.41
9.55
4.59
ROE % Adjusted to Book Value 7.63
-3.60
12.17
9.72
13.85
11.05
10.28
11.07
9.95
9.18
ROA % 0.85
-0.37
0.96
1.00
0.85
0.97
0.97
0.98
1.00
0.48
Return-on-Tangible-Equity 6.98
-4.35
9.74
10.84
9.47
10.39
10.50
10.90
11.07
5.31
Return-on-Tangible-Asset 0.86
-0.38
0.97
1.02
0.86
0.99
0.99
1.00
1.02
0.49
ROIC % --
--
--
--
-- --
--
--
--
--
WACC % 7.08
5.96
5.22
10.19
9.30
5.75
6.07
6.12
10.19
9.04
Effective Interest Rate on Debt % 5.45
6.38
8.90
10.45
9.35
10.70
10.75
10.54
9.17
7.35
Net Interest Margin (Bank Only) % 3.17
3.07
3.05
3.02
2.92
3.01
3.01
2.90
3.05
2.78
Net Margin % 21.06
-9.38
24.77
26.12
22.52
25.36
25.58
26.45
27.09
12.17
FCF Margin % 72.00
-16.75
45.54
-24.46
-7.89
-205.29
-15.84
7.47
117.23
-125.38
Debt-to-Equity 1.05
1.40
1.35
1.52
1.67
1.44
1.49
1.41
1.52
1.67
Equity-to-Asset 0.13
0.11
0.10
0.10
0.09
0.10
0.10
0.10
0.10
0.09
Debt-to-Asset 0.13
0.15
0.14
0.15
0.15
0.14
0.15
0.14
0.15
0.15
Asset Turnover 0.04
0.04
0.04
0.04
0.04
0.01
0.01
0.01
0.01
0.01
Dividend Payout Ratio 0.09
--
0.23
0.24
0.27
0.24
0.23
0.25
0.24
0.48
Income Statement
Annual (USD $) View: $ % /share % YOY Quarterly Fiscal Period
Dec05
Dec06
Dec07
Dec08
Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
TTM Mar19
Jun19
Sep19
Dec19
Mar20
Interest Income 57,813
61,579
70,828
76,510
74,622
19,076
19,657
19,132
18,694
17,139
Interest Expense -12,512
-16,518
-24,266
-29,163
-27,493
-7,317
-7,762
-7,536
-6,548
-5,647
Net Interest Income (for Banks) 45,301
45,061
46,562
47,347
47,129
11,759
11,895
11,596
12,146
11,492
Non Interest Income 25,496
27,383
26,292
26,939
29,312
6,817
6,863
6,978
6,232
9,239
Revenue 70,797
72,444
72,854
74,286
76,441
18,576
18,758
18,574
18,378
20,731
Credit Losses Provision 6,982
7,451
7,568
8,383
13,430
1,980
2,093
2,088
2,222
7,027
Selling, General, & Admin. Expense 29,303
29,698
29,892
30,026
29,994
7,737
7,539
7,490
7,260
7,705
Other Noninterest Expense 13,035
12,534
11,949
11,976
12,018
2,847
2,961
2,974
3,194
2,889
Total Noninterest Expense 42,338
42,232
41,841
42,002
42,012
10,584
10,500
10,464
10,454
10,594
SpecialCharges --
--
--
--
-- --
--
--
--
--
Other Income (Expense) --
--
--
--
-- --
--
--
--
--
Pre-Tax Income 21,477
22,761
23,445
23,901
20,999
6,012
6,165
6,022
5,702
3,110
Tax Provision -6,444
-29,388
-5,357
-4,430
-3,731
-1,275
-1,373
-1,079
-703
-576
Tax Rate % 30.00
129.12
22.85
18.53
17.77
21.21
22.27
17.92
12.33
18.52
Net Income (Continuing Operations) 15,033
-6,627
18,088
19,471
17,268
4,737
4,792
4,943
4,999
2,534
Net Income (Discontinued Operations) -58
-111
-8
-4
-20
-2
17
-15
-4
-18
Other Income (Minority Interest) -63
-60
-35
-66
-35
-25
-10
-15
-16
6
Net Income 14,912
-6,798
18,045
19,401
17,213
4,710
4,799
4,913
4,979
2,522
Net Margin % 21.06
-9.38
24.77
26.12
22.52
25.36
25.58
26.45
27.09
12.17
Preferred Dividends 1,077
1,213
1,174
1,109
1,138
262
296
254
297
291
EPS (Basic) 4.72
-2.98
6.69
8.08
7.41
1.88
1.95
2.09
2.32
1.05
EPS (Diluted) 4.72
-2.98
6.68
8.04
7.22
1.87
1.95
2.07
2.15
1.05
Shares Outstanding (Diluted Average) 2,888.3
2,698.5
2,494.8
2,265.3
2,113.7
2,342.4
2,289.0
2,237.1
2,166.6
2,113.7
Depreciation, Depletion and Amortization 3,720
3,659
3,754
3,905
3,901
931
952
983
1,039
927
Balance Sheet
Annuals (USD $) View: $ % /share % YOY Quarterly Fiscal Period
Dec05
Dec06
Dec07
Dec08
Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Latest Q. Mar19
Jun19
Sep19
Dec19
Mar20
Cash and cash equivalents 160,494
180,516
188,105
193,919
285,920
205,893
203,243
220,443
193,919
285,920
Money Market Investments 236,813
232,478
270,684
251,322
262,536
264,495
259,769
261,125
251,322
262,536
Gross Loan 624,297
667,060
684,196
699,483
721,020
682,453
688,670
691,743
699,483
721,020
Allowance For Loans And Lease Losses -12,060
-12,355
-12,315
-12,783
-20,841
-12,329
-12,466
-12,530
-12,783
-20,841
Unearned Income 72
-26
--
--
-- -107
--
--
--
--
Net Loan 612,309
654,679
671,881
686,700
700,179
670,017
676,204
679,213
686,700
700,179
Securities & Investments 597,229
605,080
614,724
644,703
763,883
635,792
656,533
665,207
644,703
763,883
Accounts Receivable --
--
14,415
15,912
22,390
14,945
15,887
19,470
15,912
22,390
Notes Receivable --
--
--
--
-- --
--
--
--
--
Other Current Receivables 28,887
38,384
21,035
23,945
46,165
29,555
34,140
34,745
23,945
46,165
Total Receivables 28,887
38,384
35,450
39,857
68,555
44,500
50,027
54,215
39,857
68,555
Property, Plant and Equipment --
--
--
--
-- --
--
--
--
--
Intangible Assets 28,337
27,402
27,266
26,948
25,824
27,233
27,091
26,666
26,948
25,824
Goodwill 21,659
22,256
22,046
22,126
21,264
22,037
22,065
21,822
22,126
21,264
Other Assets for Banks 128,008
103,926
109,273
107,709
112,873
110,483
115,359
107,933
107,709
112,873
Total Assets 1,792,077
1,842,465
1,917,383
1,951,158
2,219,770
1,958,413
1,988,226
2,014,802
1,951,158
2,219,770
Total Deposits 929,406
959,822
1,013,170
1,070,590
1,184,911
1,030,355
1,045,607
1,087,769
1,070,590
1,184,911
Accounts Payable & Accrued Expense 57,152
61,342
64,571
48,601
74,368
62,656
69,839
63,342
48,601
74,368
Short-Term Debt & Capital Lease Obligation 30,701
44,452
32,346
45,049
54,951
39,322
42,442
35,230
45,049
54,951
Long-Term Debt & Capital Lease Obligation 206,178
236,709
231,999
248,760
266,098
243,566
252,189
242,238
248,760
266,098
Debt-to-Equity 1.05
1.40
1.35
1.52
1.67
1.44
1.49
1.41
1.52
1.67
Other Liabilities for Banks 342,497
338,468
378,223
344,212
446,460
385,499
380,039
389,153
344,212
446,460
Total Liabilities 1,565,934
1,640,793
1,720,309
1,757,212
2,026,788
1,761,398
1,790,116
1,817,732
1,757,212
2,026,788
Common Stock 31
31
31
31
31
31
31
31
31
31
Preferred Stock 19,253
19,253
18,460
17,980
17,980
17,980
17,980
19,480
17,980
17,980
Retained Earnings 146,477
138,425
151,347
165,369
163,438
154,859
158,321
161,797
165,369
163,438
Accumulated other comprehensive income (loss) -32,381
-34,668
-37,170
-36,318
-32,521
-36,308
-35,203
-36,135
-36,318
-32,521
Additional Paid-In Capital 108,042
108,008
107,922
107,840
107,550
107,551
107,657
107,741
107,840
107,550
Treasury Stock -16,302
-30,309
-44,370
-61,660
-64,147
-47,861
-51,427
-56,541
-61,660
-64,147
Other Stockholders Equity --
--
--
--
-- --
--
--
--
--
Total Stockholders Equity 225,120
200,740
196,220
193,242
192,331
196,252
197,359
196,373
193,242
192,331
Minority Interest 1,023
932
854
704
651
763
751
697
704
651
Total Equity 226,143
201,672
197,074
193,946
192,982
197,015
198,110
197,070
193,946
192,982
Equity-to-Asset 0.13
0.11
0.10
0.10
0.09
0.10
0.10
0.10
0.10
0.09
Cashflow Statement
Annuals (USD $) View: $ % /share % YOY Quarterly Fiscal Period
Dec05
Dec06
Dec07
Dec08
Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
TTM Mar19
Jun19
Sep19
Dec19
Mar20
Net Income From Continuing Operations 14,970
-6,687
18,053
19,405
17,233
4,712
4,782
4,928
4,983
2,540
Depreciation, Depletion and Amortization 3,720
3,659
3,754
3,905
3,901
931
952
983
1,039
927
Change In Receivables 2,226
-5,307
6,163
-20,377
-12,343
-10,965
1,656
-10,685
-383
-2,931
Change In Inventory --
--
--
--
-- --
--
--
--
--
Change In Prepaid Assets --
--
--
--
-- --
--
--
--
--
Change In Payables And Accrued Expense --
--
--
--
-- --
--
--
--
--
Change In Other Working Capital 18,340
-28,574
9,774
-38,891
-49,186
-37,277
-19,461
2,752
15,095
-47,572
Change In Working Capital 20,566
-33,881
15,937
-59,268
-61,529
-48,242
-17,805
-7,933
14,712
-50,503
Deferred Tax 1,459
24,877
-51
-610
-- --
--
--
--
--
Stock Based Compensation --
--
--
--
-- --
--
--
--
--
Asset Impairment Charge --
--
--
--
-- --
--
--
--
--
Cash from Discontinued Operating Activities --
--
--
--
-- --
--
--
--
--
Cash Flow from Others 13,018
3,258
-741
23,731
39,641
4,983
11,931
4,420
1,787
21,503
Cash Flow from Operations 53,733
-8,774
36,952
-12,837
-754
-37,616
-140
2,398
22,521
-25,533
Purchase Of Property, Plant, Equipment -2,756
-3,361
-3,774
-5,336
-5,278
-518
-2,831
-1,011
-976
-460
Sale Of Property, Plant, Equipment 667
377
212
259
223
38
30
14
177
2
Purchase Of Business --
--
--
--
-- --
--
--
--
--
Sale Of Business 265
3,411
314
--
-- --
--
--
--
--
Purchase Of Investment -211,402
-185,740
-152,487
-274,491
-313,476
-69,673
-48,459
-78,601
-77,758
-108,658
Sale Of Investment 197,708
191,737
145,095
256,224
251,027
78,799
42,480
66,777
68,168
73,602
Net Intangibles Purchase And Sale --
--
--
--
-- --
--
--
--
--
Cash From Discontinued Investing Activities --
--
--
--
-- --
--
--
--
--
Cash From Other Investing Activities -38,617
-45,175
-62,478
-30
-44,770
7,397
-1,965
-4,569
-893
-37,343
Cash Flow from Investing -54,135
-38,751
-73,118
-23,374
-112,274
16,043
-10,745
-17,390
-11,282
-72,857
Issuance of Stock --
--
--
--
-- --
--
--
--
--
Repurchase of Stock -9,290
-14,541
-14,433
-17,571
-16,441
-4,055
-3,463
-4,977
-5,076
-2,925
Net Issuance of Preferred Stock 2,498
--
-793
-484
-4
-480
--
1,496
-1,500
--
Net Issuance of Debt 17,968
40,725
-9,583
20,808
30,596
15,960
7,557
-18,357
15,648
25,748
Cash Flow for Dividends -2,287
-3,797
-5,020
-5,447
-5,492
-1,320
-1,330
-1,398
-1,399
-1,365
Other Financing 19,403
44,467
74,357
45,627
186,095
29,432
6,011
56,075
-45,891
169,900
Cash Flow from Financing 28,292
66,854
44,528
42,933
194,754
39,537
8,775
32,839
-38,218
191,358
Effect of Exchange Rate Changes -493
693
-773
-908
-1,699
-176
-540
-647
455
-967
Net Change in Cash 27,397
20,022
7,589
5,814
80,027
17,788
-2,650
17,200
-26,524
92,001
Capital Expenditure -2,756
-3,361
-3,774
-5,336
-5,278
-518
-2,831
-1,011
-976
-460
Free Cash Flow 50,977
-12,135
33,178
-18,173
-6,032
-38,134
-2,971
1,387
21,545
-25,993
Valuation Ratios
Annuals View:
$
% YOY Quarterly Fiscal Period
Dec05
Dec06
Dec07
Dec08
Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Current Mar19
Jun19
Sep19
Dec19
Mar20
PE Ratio Price-to-Owner-Earnings PB Ratio Price-to-Tangible-Book Price-to-Free-Cash-Flow Price-to-Operating-Cash-Flow PS Ratio PEG Ratio EV-to-Revenue Earnings Yield (Joel Greenblatt) % Forward Rate of Return (Yacktman) % Shiller PE Ratio Dividend Yield %
Valuation and Quality
Annuals View:
$
% YOY Quarterly Fiscal Period
Dec05
Dec06
Dec07
Dec08
Dec09
Dec10
Dec11
Dec12
Dec13
Dec14
Dec15
Dec16
Dec17
Dec18
Dec19
Current Mar19
Jun19
Sep19
Dec19
Mar20
Market Cap Enterprise Value Month End Stock Price Net Cash per Share Net Current Asset Value Net-Net Working Capital Intrinsic Value: Projected FCF Median PS Value Peter Lynch Fair Value Graham Number Earnings Power Value (EPV) Altman Z-Score Piotroski F-Score Beneish M-Score Scaled Net Operating Assets Sloan Ratio % Highest Stock Price Lowest Stock Price Shares Buyback Ratio % Buyback Yield % YoY Rev. per Sh. Growth YoY EPS Growth Shares Outstanding (Basic Average) Shares Outstanding (EOP) Beta Filing Date Restated Filing Date Number of Shareholders Number of Employees 
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