Dividend Announcement – My Market Wizard

Analyst Summary

Net interest income grew 8% year-over-year to $353.9 million.
Net effective spread increased 4% from the prior-year period to $339.6 million.
Net income attributable to common stockholders was $180.4 million.
Core earnings of $171.6 million, or $15.64 per diluted common share.
Total core capital of $1.5 billion and a Tier 1 Capital Ratio of 14.2% as of December 31, 2024.
Quarterly dividend of $1.50 per share on all three classes of common stock, representing a 7% increase.
Operating Profit Margin: 71.3%
Net Profit Margin: 57.2%
Return on Assets (ROA): 0.66%
Return on Equity (ROE): 13.9%
Basic EPS = $16.59, Diluted EPS = $16.44
Current Ratio: 0.60
Quick Ratio (Acid-Test Ratio): 0.60
Cash Ratio: 0.035
Debt-to-Equity Ratio: 20.04
Debt-to-Assets Ratio: 0.95
Interest Coverage Ratio (Times Interest Earned): 1.19
Days Sales Outstanding (DSO): 364.2 days
Days Payable Outstanding (DPO): 214.2 days
Asset Turnover: 0.012
Price-to-Earnings Ratio (P/E): 12.66
Price-to-Book Ratio (P/B): 1.40
Price-to-Sales Ratio (P/S): 5.75
Enterprise Value to EBITDA (EV/EBITDA): 20.14
Revenue Growth: 3.6%
Net Income Growth: 3.6%
EPS Growth: 4%

Availability of debt and equity financing.
Legislative or regulatory developments.
Fluctuations in the fair value of assets.
Economic conditions affecting agricultural lending and borrower repayment capacity.
Interest rate risk.
Developments in the financial markets.
Effects of the Federal Reserve’s monetary policy.
Severe weather, flooding, and drought.