Last 44 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | — | 15.83 | — | 18.59 | — | 19.03 | 15.13 | 18.75 | 15.09 | 11.34 | 11.36 | 10.42 | 9.75 | 9.46 | 12.36 | 25.90 | 14.82 | 23.92 | 22.00 | 25.80 | 12.91 |
| — | -16.8% | — | -0.9% | — | +67.8% | +33.2% | +80.0% | +54.8% | +19.9% | -8.0% | -59.8% | -34.2% | -60.4% | -43.8% | +0.4% | +14.8% | +72.3% | +67.6% | +87.4% | -13.1% | |
| P/S Ratio | — | 2.80 | 2.72 | 3.01 | 2.98 | 2.88 | 2.31 | 2.35 | 2.28 | 1.91 | 1.82 | 1.94 | 2.20 | 2.03 | 2.21 | 2.80 | 2.72 | 3.17 | 3.38 | 3.21 | 2.47 |
| — | -2.7% | +17.8% | +28.3% | +30.8% | +50.9% | +26.8% | +21.1% | +3.7% | -6.0% | -17.6% | -30.8% | -19.1% | -36.0% | -34.6% | -12.8% | +10.0% | +45.3% | +34.3% | +28.1% | -29.7% | |
| P/B Ratio | — | 0.95 | 0.92 | 1.00 | 1.01 | 0.95 | 0.81 | 0.84 | 0.83 | 0.71 | 0.68 | 0.73 | 0.89 | 0.82 | 0.80 | 0.89 | 0.90 | 1.00 | 0.99 | 0.89 | 0.75 |
| — | -0.1% | +13.5% | +19.2% | +22.5% | +35.3% | +19.7% | +14.8% | -7.5% | -13.8% | -15.2% | -17.8% | -0.6% | -17.9% | -19.2% | +0.3% | +19.7% | +60.2% | +36.0% | +14.5% | -34.8% | |
| P/FCF | — | — | 18.19 | — | 11.26 | 14.90 | — | — | 9.33 | 6.14 | 12.39 | — | 4.09 | 7.17 | 9.78 | — | 6.99 | — | 19.25 | — | 8.01 |
| — | — | — | — | +20.7% | +142.6% | — | — | +128.1% | -14.3% | +26.7% | — | -41.5% | — | -49.2% | — | -12.8% | — | +226.8% | — | +14.8% | |
| EV / EBITDA | — | — | — | 10.18 | — | 2.96 | -1.14 | 1.09 | -2.64 | -1.24 | 2.30 | 6.03 | 4.61 | -4.10 | -8.57 | -27.95 | -24.48 | -31.24 | -27.37 | -34.81 | -22.30 |
| — | — | — | +835.7% | — | +338.5% | -149.6% | -82.0% | -157.3% | +69.7% | +126.8% | +121.6% | +118.8% | +86.9% | +68.7% | +19.7% | -9.8% | -21.9% | -56.4% | -1332.0% | -3307.5% | |
| EV / EBIT | — | 7.38 | — | 1.24 | — | 2.93 | -1.30 | 1.29 | -3.06 | -1.41 | 2.61 | 6.40 | 4.79 | -4.28 | -9.61 | -36.22 | -29.14 | -38.60 | -32.82 | -43.13 | -25.16 |
| — | +151.6% | — | -3.9% | — | +307.7% | -149.7% | -79.8% | -163.8% | +67.0% | +127.2% | +117.7% | +116.4% | +88.9% | +70.7% | +16.0% | -15.8% | -29.0% | -64.6% | -1467.3% | -4564.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | 73.9% | 60.7% | 74.8% | 47.1% | 68.9% | 73.8% | 74.3% | 74.1% | 77.5% | 82.5% | 84.1% | 83.9% | 91.6% | 91.8% | 92.9% | 96.6% | 94.6% | 99.7% | 97.3% | 95.2% |
| — | +7.3% | -17.8% | +0.7% | -36.4% | -11.1% | -10.5% | -11.7% | -11.6% | -15.4% | -10.1% | -9.4% | -13.2% | -3.1% | -7.9% | -4.6% | +1.5% | +4.5% | +15.0% | +21.2% | +16.6% | |
| Operating Margin | — | 15.4% | -4.8% | 14.0% | -14.2% | 14.0% | 15.0% | 11.8% | 15.4% | 18.0% | 18.1% | 20.4% | 26.4% | 26.3% | 22.5% | 12.9% | 21.1% | 17.1% | 20.4% | 15.9% | 25.8% |
| — | +9.7% | -132.3% | +19.2% | -192.4% | -22.3% | -17.0% | -42.3% | -41.6% | -31.4% | -19.7% | +58.6% | +25.2% | +53.5% | +10.2% | -19.0% | -18.3% | -11.6% | -8.3% | -22.0% | -3.0% | |
| Net Margin | — | 12.8% | -2.0% | 11.6% | -9.7% | 10.8% | 11.3% | 9.1% | 11.2% | 13.1% | 13.3% | 15.5% | 19.7% | 19.9% | 17.4% | 9.9% | 17.3% | 12.5% | 14.9% | 11.7% | 17.4% |
| — | +18.1% | -117.6% | +27.6% | -186.2% | -17.0% | -15.0% | -41.1% | -43.1% | -34.2% | -23.9% | +56.8% | +13.7% | +58.5% | +17.0% | -16.1% | -0.3% | -11.6% | -9.0% | -22.0% | -11.0% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | 1.5% | -0.2% | 1.3% | -1.1% | 1.3% | 1.4% | 1.1% | 1.3% | 1.5% | 1.5% | 1.7% | 2.3% | 2.1% | 1.7% | 0.8% | 1.5% | 1.0% | 1.1% | 0.9% | 1.4% |
| — | +19.6% | -116.8% | +20.7% | -183.1% | -18.7% | -10.3% | -36.6% | -40.8% | -26.7% | -8.9% | +112.7% | +51.2% | +108.4% | +46.2% | -4.5% | +6.1% | -10.3% | -16.3% | -38.7% | -27.3% | |
| ROA | — | 0.2% | -0.0% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% |
| — | +18.8% | -117.3% | +25.5% | -189.1% | -11.9% | -4.2% | -31.7% | -35.3% | -20.6% | -3.0% | +123.6% | +52.1% | +98.6% | +32.2% | -17.3% | -7.6% | -18.6% | -24.0% | -44.5% | -32.9% | |
| ROIC | — | 1.1% | -0.3% | 1.0% | -1.0% | 1.0% | 1.1% | 0.8% | 1.1% | 1.2% | 1.2% | 1.4% | 2.0% | 1.9% | 1.4% | 0.7% | 1.2% | 0.9% | 1.1% | 0.8% | 1.5% |
| — | +17.0% | -132.5% | +17.8% | -192.2% | -22.0% | -9.2% | -39.8% | -46.8% | -33.1% | -17.0% | +100.1% | +70.2% | +105.9% | +30.6% | -17.7% | -22.1% | -20.4% | -21.3% | -40.8% | -23.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 | Q1 '21 | Q4 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.18 | 0.21 | 0.21 | 0.25 | 0.24 | 0.28 | 0.28 | 0.29 | 0.29 | 0.29 | 0.36 | 0.13 | 0.13 | 0.13 | 0.16 | 0.16 | 0.16 | 0.15 | 0.02 | 0.05 |
| — | -26.2% | -23.2% | -24.6% | -13.9% | -16.2% | -5.3% | -21.9% | +122.1% | +123.7% | +130.4% | +124.4% | -17.1% | -16.4% | -13.8% | +585.1% | +237.6% | +569.7% | +536.4% | — | +13117.4% | |
| Debt / EBITDA | — | — | — | 108.32 | — | 15.19 | 13.53 | 16.63 | 13.50 | 12.02 | 12.48 | 14.81 | 4.10 | 4.41 | 5.29 | 11.48 | 7.16 | 8.86 | 7.76 | 1.63 | 1.95 |
| — | — | — | +551.3% | — | +26.4% | +8.4% | +12.3% | +229.5% | +172.6% | +136.1% | +29.0% | -42.8% | -50.3% | -31.9% | +606.3% | +267.2% | +588.5% | +607.0% | — | +11889.1% | |
| Current Ratio | — | 0.51 | 0.47 | 0.42 | 0.35 | 0.36 | 0.33 | 0.33 | 0.29 | 0.26 | 0.22 | 0.19 | 0.20 | 0.29 | 0.30 | 0.36 | 0.39 | 0.37 | 0.38 | 0.36 | 0.38 |
| — | +41.1% | +41.2% | +28.2% | +18.4% | +37.6% | +49.7% | +69.6% | +43.4% | -10.5% | -25.5% | -47.3% | -47.8% | -21.3% | -22.1% | +0.3% | +4.1% | +11.1% | +20.4% | +93.3% | +91.8% | |
| Quick Ratio | — | 0.51 | 0.47 | 0.42 | 0.35 | 0.36 | 0.33 | 0.33 | 0.29 | 0.26 | 0.22 | 0.19 | 0.20 | 0.29 | 0.30 | 0.36 | 0.39 | 0.37 | 0.38 | 0.36 | 0.38 |
| — | +41.1% | +41.2% | +28.2% | +18.4% | +37.6% | +49.7% | +69.6% | +43.4% | -10.5% | -25.5% | -47.3% | -47.8% | -21.3% | -22.1% | +0.3% | +4.1% | +11.1% | +20.4% | +93.3% | +91.8% | |
| Interest Coverage | — | 0.56 | -0.18 | 0.52 | -0.52 | 0.49 | 0.56 | 0.46 | 0.64 | 0.83 | 0.97 | 1.31 | 2.22 | 4.22 | 4.39 | 2.57 | 4.20 | 3.13 | 3.65 | 2.97 | 3.84 |
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Includes 30+ ratios · 44 years · Updated daily
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Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking BankFinancial Corporation's business trajectory between earnings reports.