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Regulation Privacy, Data Protection, Cybersecurity and Artificial Intelligence Requirements and Part II, Item 7. Our development and use of new technology, such as generative artificial intelligence, may present risks.
Net margin is thin at 11.56%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 1.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$26.64B
▼ -1.7% YoY
Net Income (TTM)
$3.16B
▲ +320.5% YoY
Net Margin
11.86%
P/E
—
Balance Sheet
Total Assets
$161.54B
Equity
$40.41B
Total Debt
$0.00
Cash & Equiv.
$9.72B
5Y CAGR: -9.3%
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