A value-oriented GARP investor could justify a position here based on capital efficiency and internal quality signals. ROIC at 17.10% is materially stronger than its 4.20% ROE would suggest, indicating disciplined capital allocation and potentially conservative leverage. A Piotroski F-Score of 7 reinforces that the company’s fundamental health is solid across profitability, leverage, and operating metrics. The 11.9 forward P/E combined with estimated EPS next year of $3.72 suggests earnings visibility, while institutional ownership at 54.67% signals that professional capital is engaged. Add in a 2.80% dividend and a manageable 43.40% debt-to-equity ratio, and you have a bank that appears fundamentally stable with incremental upside if margins or growth modestly improve.