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Banks · Financial Services · Fiscal year ends Dec 31
Net income was $158M. Operating cash flow of $223M less capital expenditure of $10M left free cash flow of $213M.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Net interest incomeBanks | 237 | 263 | 279 | 301 | 348 |
| Interest expense | 18.1 | 30.3 | 138 | 183 | 166 |
| Pre-tax income | 155 | 157 | 162 | 171 | 204 |
| Income tax | 36.3 | 36.3 | 36.7 | 38.4 | 46.1 |
| Net income | 119 | 121 | 125 | 133 | 158 |
| Diluted EPS | 4.70 | 4.84 | 5.03 | 5.36 | 6.41 |
| Diluted shares | 25.0 | 24.7 | 24.6 | 24.5 | 24.5 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 525 | 123 | 130 | 125 | 120 |
| Net PP&E | 47.0 | 44.8 | 46.2 | 53.5 | 58.3 |
| Goodwill | 83.9 | 83.9 | 83.9 | 83.9 | 83.9 |
| Total assets | 8,096 | 8,339 | 8,728 | 8,932 | 9,055 |
| Short-term debt | 200 | 216 | 312 | 249 | 239 |
| DepositsBanks | 6,679 | 6,928 | 7,039 | 7,230 | 7,226 |
| Total liabilities | 7,127 | 7,416 | 7,660 | 7,750 | 7,737 |
| Shareholders' equity | 916 | 864 | 990 | 1,111 | 1,275 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 167 | 176 | 188 | 194 | 223 |
| Capital expenditure | 2.9 | 2.4 | 6.0 | 12.4 | 10.1 |
| Free cash flow | 164 | 173 | 182 | 181 | 213 |
| Stock-based compensation | 4.2 | 3.6 | 4.9 | 5.7 | 6.2 |
| Share buybacks | 33.1 | 6.8 | 12.5 | 0.2 | 13.9 |
| Dividends paid | 31.3 | 32.1 | 33.1 | 35.4 | 38.4 |
| Dividend per share | 1.21 | 1.26 | 1.30 | 1.40 | 1.52 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| EPS growth (YoY) | – | 3.0% | 3.9% | 6.6% | 19.6% |
| Return on equityBlank when equity is negative | 12.9% | 13.9% | 12.6% | 11.9% | 12.4% |
| Cash conversion (CFO ÷ net income) | 1.41x | 1.46x | 1.50x | 1.46x | 1.41x |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.