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Year three at other companies

International Bancshares logo
International BancsharesIBOC
$1.56B-28.5%
Bank of Hawaii logo
Bank of HawaiiBOH
$1.18B
Customers Bancorp logo
Customers BancorpCUBI
First Merchants Corporation logo
First Merchants CorporationFRME

Segments

By geography

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PR And VI$689.47M

Other financials

Income statement

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Revenue$258.6M+4.2%
Net income$88.8M+15.2%
EPS (diluted)$0.57+21.3%

Balance sheet

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Cash & equivalents$550.9M-58.5%
Total debt$380.0M+14.8%
Total equity$2.0B+10.6%
Total assets$19.1B-0.1%

Cash flow

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Operating cash flow$121.1M+11.9%
CapEx$5.2M+248%
Free cash flow$115.9M+8.6%

Valuation

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Market cap$4.06B+5.9%

Profitability

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Net margin35.3%+3.6pp
FCF margin44.2%+3.7pp

Returns & leverage

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Return on equity19%+0.5pp
Debt / equity0.2×0.0×