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 → | — | 14.01 | 11.59 | 10.84 | 12.30 | 11.06 | 9.68 | 11.69 | 5.25 | 10.83 | 8.05 | 12.97 | 11.86 | 9.63 | 8.63 | 12.19 | — | 11.45 | 10.26 | 10.55 | 10.24 |
| — | +26.7% | +19.6% | -7.3% | +134.5% | +2.1% | +20.3% | -9.9% | -55.7% | +12.5% | -6.8% | +6.4% | — | -16.0% | -15.9% | +15.6% | — | +63.1% | +2.9% | -53.2% | -46.5% | |
| P/S Ratio | — | 3.80 | 3.29 | 3.21 | 3.56 | 3.30 | 2.87 | 3.07 | — | 2.43 | 2.15 | 2.46 | 2.39 | 2.43 | 2.40 | 3.11 | 2.15 | 3.03 | 2.66 | 3.20 | 2.76 |
| — | +15.0% | +14.8% | +4.5% | — | +35.8% | +33.6% | +25.2% | — | +0.2% | -10.5% | -21.1% | +11.4% | -19.9% | -9.8% | -2.7% | -22.2% | +61.7% | +19.0% | +57.6% | -31.9% | |
| P/B Ratio | — | 1.17 | 1.01 | 0.99 | 1.15 | 1.06 | 0.99 | 1.04 | 1.05 | 0.89 | 0.80 | 0.85 | 1.05 | 1.12 | 0.97 | 1.18 | 0.61 | 1.07 | 0.98 | 1.18 | 1.00 |
| — | +10.0% | +2.4% | -4.7% | +10.0% | +18.9% | +23.2% | +22.0% | -0.5% | -20.3% | -17.3% | -27.9% | +71.4% | +4.8% | -0.5% | -0.1% | -38.7% | +48.9% | +14.2% | +59.8% | -32.5% | |
| P/FCF | — | 10.23 | 12.44 | 7.97 | 44.12 | 5.98 | 7.71 | 4.16 | — | 5.15 | 5.16 | 5.32 | 4.69 | 5.67 | 6.37 | 6.46 | 0.93 | 9.32 | 4.76 | — | 24.09 |
| — | +71.0% | +61.2% | +91.6% | — | +16.2% | +49.4% | -21.8% | — | -9.1% | -19.0% | -17.7% | +406.3% | -39.2% | +33.9% | — | -96.2% | +159.2% | — | — | +52.4% | |
| EV / EBITDA | — | 11.36 | 10.86 | 7.24 | 5.48 | 6.30 | 7.01 | 7.62 | — | 9.90 | 8.19 | 8.90 | 8.04 | 7.99 | 5.46 | 5.98 | 9.72 | 7.99 | 7.36 | 6.81 | 8.85 |
| — | +80.3% | +54.8% | -5.0% | — | -36.4% | -14.4% | -14.4% | — | +23.8% | +50.0% | +48.7% | -17.4% | +0.0% | -25.9% | -12.1% | +9.9% | +27.5% | -3.2% | -61.3% | -36.5% | |
| EV / EBIT | — | 11.36 | 10.86 | 7.24 | 6.95 | 8.05 | 9.01 | 10.44 | — | 15.09 | 12.01 | 14.99 | 13.73 | 10.47 | 7.34 | 8.39 | — | 10.18 | 7.84 | 8.81 | 10.09 |
| — | +41.1% | +20.5% | -30.7% | — | -46.7% | -25.0% | -30.3% | — | +44.2% | +63.7% | +78.6% | — | +2.9% | -6.4% | -4.8% | — | +46.2% | -9.5% | -62.6% | -35.3% |
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 | — | 58.2% | 59.6% | 62.1% | 61.7% | 59.3% | 58.6% | 57.7% | -83.7% | 57.7% | 61.4% | 67.6% | 79.6% | 90.5% | 94.6% | 95.6% | 61.2% | 96.1% | 89.9% | 92.9% | 90.2% |
| — | -2.0% | +1.7% | +7.7% | +173.7% | +2.9% | -4.6% | -14.6% | -205.2% | -36.3% | -35.1% | -29.4% | +30.0% | -5.8% | +5.2% | +3.0% | -32.1% | +11.8% | +7.3% | +30.6% | +2.3% | |
| Operating Margin | — | 22.0% | 24.2% | 25.0% | 24.0% | 24.0% | 24.0% | 21.2% | -210.9% | 16.7% | 20.9% | 16.8% | 21.7% | 30.2% | 34.4% | 32.3% | -12.1% | 32.8% | 32.1% | 37.4% | 29.8% |
| — | -8.1% | +0.8% | +18.3% | +111.4% | +44.0% | +15.0% | +26.0% | -1072.8% | -44.9% | -39.3% | -48.0% | +279.3% | -7.9% | +7.0% | -13.6% | -140.6% | -0.1% | +16.8% | +246.8% | -0.2% | |
| Net Margin | — | 17.4% | 18.9% | 19.7% | 18.8% | 18.6% | 18.5% | 16.2% | 149.4% | 13.8% | 17.3% | 13.7% | 16.6% | 23.3% | 26.7% | 25.0% | -8.8% | 25.6% | 25.1% | 29.1% | 24.7% |
| — | -6.7% | +2.0% | +21.4% | -87.4% | +34.5% | +7.1% | +18.7% | +797.7% | -40.6% | -35.4% | -45.3% | +289.4% | -9.1% | +6.6% | -14.1% | -135.5% | +0.8% | +18.4% | +233.6% | +4.6% |
| 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 | — | 2.2% | 2.3% | 2.4% | 2.4% | 2.5% | 2.6% | 2.3% | 5.4% | 2.1% | 2.5% | 1.7% | 2.3% | 2.9% | 2.8% | 2.3% | -0.8% | 2.4% | 2.6% | 2.9% | 2.5% |
| — | -13.9% | -11.8% | +4.5% | -56.0% | +20.5% | +3.3% | +29.7% | +134.5% | -27.3% | -9.1% | -25.1% | +375.7% | +20.1% | +9.1% | -19.5% | -134.1% | -10.8% | +13.4% | +219.4% | -3.5% | |
| ROA | — | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.5% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | -0.1% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | -10.8% | -3.9% | +16.9% | -48.1% | +47.6% | +25.9% | +57.6% | +161.5% | -26.5% | -15.2% | -37.0% | +322.2% | -1.0% | -5.4% | -25.9% | -131.7% | -17.2% | +2.4% | +183.6% | -10.3% | |
| ROIC | — | 1.4% | 1.7% | 2.1% | 1.7% | 1.4% | 1.5% | 1.2% | -2.9% | 0.9% | 1.0% | 0.7% | 1.2% | 1.7% | 1.9% | 1.7% | -0.6% | 1.7% | 1.8% | 2.1% | 1.6% |
| — | -0.2% | +14.5% | +71.6% | +158.3% | +57.8% | +45.9% | +74.5% | -353.4% | -45.0% | -48.6% | -59.8% | +278.2% | -4.2% | +5.5% | -16.6% | -139.3% | -9.7% | +16.6% | +272.1% | +2.0% |
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 | — | 0.38 | 0.51 | 0.14 | 0.01 | 0.67 | 0.72 | 0.78 | 0.85 | 1.09 | 1.06 | 1.54 | 1.04 | 0.87 | 0.52 | 0.25 | 0.34 | 0.34 | 0.32 | 0.34 | 0.33 |
| — | -44.1% | -29.3% | -81.6% | -99.3% | -38.7% | -31.6% | -49.8% | -18.1% | +25.4% | +102.7% | +513.3% | +208.5% | +159.4% | +60.9% | -26.1% | +1.0% | -7.2% | -8.9% | -19.2% | -42.0% | |
| Debt / EBITDA | — | 13.85 | 17.55 | 4.82 | 0.16 | 16.65 | 16.63 | 19.25 | — | 28.30 | 23.47 | 43.76 | 20.51 | 17.34 | 10.56 | 5.61 | 18.61 | 8.58 | 9.67 | 7.08 | 9.94 |
| — | -16.8% | +5.6% | -75.0% | — | -41.2% | -29.2% | -56.0% | — | +63.2% | +122.3% | +679.6% | +10.2% | +102.1% | +9.2% | -20.8% | +87.2% | -9.9% | -10.1% | -74.8% | -39.9% | |
| Current Ratio | — | 0.14 | 0.25 | 0.23 | 0.22 | 0.28 | 0.25 | 0.27 | 0.29 | 0.27 | 0.28 | 0.35 | 0.32 | 0.33 | 0.36 | 0.39 | 0.41 | 0.44 | 0.43 | 0.38 | 0.33 |
| — | -49.7% | -3.1% | -14.1% | -23.2% | +2.5% | -8.8% | -22.0% | -10.6% | -18.1% | -23.4% | -10.3% | -21.1% | -23.9% | -15.6% | +1.7% | +24.8% | +43.9% | +52.0% | +40.5% | +19.3% | |
| Quick Ratio | — | 0.14 | 0.25 | 0.23 | 0.22 | 0.28 | 0.25 | 0.27 | 0.29 | 0.27 | 0.28 | 0.35 | 0.32 | 0.33 | 0.36 | 0.39 | 0.41 | 0.44 | 0.43 | 0.38 | 0.33 |
| — | -49.7% | -3.1% | -14.1% | -23.2% | +2.5% | -8.8% | -22.0% | -10.6% | -18.1% | -23.4% | -10.3% | -21.1% | -23.9% | -15.6% | +1.7% | +24.8% | +43.9% | +52.0% | +40.5% | +19.3% | |
| Interest Coverage | — | 0.59 | 0.67 | 0.72 | 0.66 | 0.61 | 0.63 | 0.54 | -1.30 | 0.42 | 0.57 | 0.55 | 1.12 | 3.19 | 6.58 | 7.39 | -2.46 | 5.18 | 5.10 | 5.25 | 3.71 |
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Includes 30+ ratios · 44 years · Updated daily
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