Last 45 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q4 '25 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | — | 17.11 | 12.69 | 10.50 | 11.81 | 12.67 | 11.26 | 8.56 | 13.89 | 69.76 | 5.65 | 5.24 | 4.52 | 6.48 | 6.84 | 9.55 | 16.50 | 13.10 | 10.59 | 7.69 | 7.38 |
| — | +35.0% | +12.7% | +22.6% | -14.9% | -81.8% | +99.5% | +63.4% | +207.0% | +977.0% | -17.4% | -45.1% | -72.6% | -50.6% | -35.5% | +24.3% | +123.6% | +43.5% | +65.0% | -32.2% | — | |
| P/S Ratio | — | 3.40 | 2.72 | 2.34 | 2.37 | 2.51 | 2.47 | 2.08 | 2.33 | 2.37 | 1.54 | 1.51 | 1.45 | 2.17 | 2.38 | 2.92 | 4.30 | 3.89 | 3.57 | 3.29 | 3.55 |
| — | +35.4% | +9.9% | +12.6% | +1.6% | +6.0% | +60.5% | +37.2% | +61.1% | +9.2% | -35.3% | -48.2% | -66.3% | -44.2% | -33.3% | -11.1% | +21.1% | +45.9% | +89.4% | +78.2% | +157.2% | |
| P/B Ratio | — | 1.50 | 1.23 | 1.16 | 1.11 | 1.27 | 1.09 | 1.11 | 1.21 | 1.16 | 1.11 | 1.00 | 0.96 | 1.71 | 1.85 | 1.51 | 1.71 | 1.48 | 1.38 | 1.24 | 1.24 |
| — | +18.4% | +12.6% | +4.2% | -7.9% | +9.5% | -1.9% | +11.1% | +26.4% | -32.3% | -40.0% | -33.6% | -44.1% | +15.7% | +33.9% | +21.3% | +37.8% | +52.0% | +103.3% | +82.9% | +122.0% | |
| P/FCF | — | — | — | 4.42 | 7.38 | — | 1.98 | 25.52 | — | 1.74 | — | — | 3.25 | 3.86 | 6.24 | 7.25 | — | 7.13 | 14.42 | — | 17.93 |
| — | — | — | -82.7% | — | — | — | — | — | -54.8% | — | — | — | -45.8% | -56.7% | — | — | -34.4% | — | — | +1086.1% | |
| EV / EBITDA | — | 18.40 | 9.46 | 10.53 | 9.02 | 8.39 | 8.16 | 8.83 | 12.30 | 25.59 | 5.93 | 7.86 | 7.63 | 4.71 | 3.61 | 3.32 | 1.11 | -6.59 | -6.98 | -2.13 | -1.01 |
| — | +119.3% | +15.9% | +19.2% | -26.7% | -67.2% | +37.7% | +12.4% | +61.2% | +443.1% | +64.0% | +136.7% | +587.4% | +171.5% | +151.8% | +256.2% | +210.4% | -261.2% | -37202.1% | -100.6% | — | |
| EV / EBIT | — | 18.40 | 10.46 | 11.61 | 10.02 | 9.40 | 8.96 | 9.66 | 13.92 | 36.91 | 6.33 | 8.35 | 8.01 | 4.93 | 3.81 | 3.55 | 1.22 | -7.12 | -7.50 | -2.26 | -1.06 |
| — | +95.8% | +16.7% | +20.3% | -28.0% | -74.5% | +41.6% | +15.7% | +73.9% | +648.1% | +65.9% | +135.3% | +557.5% | +169.3% | +150.8% | +257.2% | +214.6% | -256.6% | -36327.4% | -77.7% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q4 '25 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | 69.4% | 67.4% | 66.8% | 68.7% | 66.1% | 63.3% | 65.3% | 61.4% | 61.7% | 63.1% | 64.7% | 78.0% | 85.5% | 93.1% | 96.9% | 99.7% | 101.6% | 103.6% | 115.9% | 122.8% |
| — | +5.0% | +6.5% | +2.3% | +11.9% | +7.0% | +0.3% | +0.9% | -21.3% | -27.8% | -32.2% | -33.2% | -21.8% | -15.8% | -10.2% | -16.3% | -18.8% | +2.0% | +8.2% | +51.4% | +206.4% | |
| Operating Margin | — | 18.2% | 18.8% | 20.2% | 19.1% | 17.8% | 18.7% | 21.3% | 13.3% | 4.2% | 23.4% | 25.9% | 33.2% | 38.6% | 44.3% | 39.9% | 33.4% | 37.9% | 43.2% | 55.2% | 61.5% |
| — | +1.9% | +0.5% | -5.0% | +43.5% | +327.6% | -20.2% | -17.6% | -59.9% | -89.2% | -47.2% | -35.2% | -0.5% | +2.0% | +2.5% | -27.7% | -45.7% | +2.7% | +19.0% | +186.5% | +766.5% | |
| Net Margin | — | 14.6% | 14.5% | 16.5% | 14.6% | 14.0% | 14.6% | 16.3% | 11.0% | 2.6% | 18.0% | 19.8% | 26.3% | 30.3% | 34.1% | 30.9% | 26.5% | 29.9% | 34.1% | 43.0% | 48.0% |
| — | +4.6% | -0.5% | +1.2% | +32.8% | +427.8% | -18.6% | -17.7% | -58.2% | -91.3% | -47.4% | -35.8% | -0.7% | +1.5% | +0.2% | -28.1% | -44.8% | +4.8% | +15.6% | +176.1% | +788.4% |
| Metric | TTM | Q4 '25 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | 2.3% | 2.5% | 2.9% | 2.5% | 2.4% | 2.7% | 3.4% | 2.2% | 0.6% | 4.8% | 4.7% | 5.8% | 6.8% | 6.1% | 3.9% | 2.5% | 2.9% | 3.3% | 4.1% | 4.3% |
| — | -4.9% | -9.5% | -15.2% | +14.2% | +321.4% | -42.7% | -28.4% | -61.8% | -91.5% | -22.1% | +21.6% | +129.1% | +135.1% | +83.2% | -5.0% | -41.4% | +7.6% | +20.3% | +162.8% | +639.3% | |
| ROA | — | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.0% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% |
| — | +4.5% | -1.9% | -1.3% | +31.3% | +455.6% | -18.8% | -13.7% | -54.5% | -90.7% | -30.7% | +1.2% | +78.5% | +71.3% | +43.2% | -21.1% | -48.7% | -3.7% | +10.9% | +155.9% | +609.3% | |
| ROIC | — | 1.3% | 1.2% | 1.2% | 1.2% | 1.2% | 1.2% | 1.5% | 0.9% | 0.2% | 1.3% | 1.2% | 1.7% | 3.3% | 3.9% | 2.7% | 1.7% | 2.0% | 2.3% | 2.9% | 2.7% |
| — | +6.3% | -2.5% | -15.0% | +45.2% | +388.0% | -4.9% | +26.1% | -50.6% | -92.7% | -66.6% | -57.1% | -1.2% | +64.5% | +66.3% | -7.1% | -35.5% | +33.6% | +66.6% | +325.8% | +836.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q4 '25 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.70 | 0.73 | 1.27 | 0.99 | 1.02 | 0.92 | 1.36 | 1.18 | 1.53 | 2.18 | 2.95 | 3.02 | 1.20 | 0.70 | 0.41 | 0.38 | 0.35 | 0.36 | 0.36 | 0.35 |
| — | -31.0% | -20.8% | -6.7% | -16.2% | -33.1% | -57.8% | -54.0% | -61.0% | +26.7% | +214.2% | +622.4% | +692.2% | +239.9% | +91.2% | +13.6% | +9.0% | -50.2% | -50.3% | -61.4% | -73.3% | |
| Debt / EBITDA | — | 24.77 | 21.60 | 32.29 | 27.83 | 27.46 | 26.30 | 28.44 | 37.68 | 130.28 | 31.12 | 43.70 | 42.19 | 13.35 | 7.34 | 7.31 | 10.28 | 8.96 | 7.95 | 6.38 | 6.03 |
| — | -9.8% | -17.9% | +13.5% | -26.1% | -78.9% | -15.5% | -34.9% | -10.7% | +875.8% | +323.9% | +498.2% | +310.6% | +49.0% | -7.6% | +14.4% | +70.4% | -52.4% | -59.5% | -84.6% | — | |
| Current Ratio | — | 0.28 | 0.28 | 0.22 | 0.23 | 0.23 | 0.13 | 0.10 | 0.23 | 0.38 | 0.13 | 0.15 | 0.16 | 0.34 | 0.10 | 0.34 | 0.41 | 0.48 | 0.49 | 0.42 | 0.41 |
| — | +20.5% | +110.7% | +106.9% | -1.6% | -38.0% | +1.1% | -29.2% | +48.1% | +12.1% | +29.1% | -55.8% | -62.1% | -29.7% | -78.8% | -20.6% | +0.8% | +13.9% | +8.5% | -4.8% | +9.8% | |
| Quick Ratio | — | 0.28 | 0.28 | 0.22 | 0.23 | 0.23 | 0.13 | 0.10 | 0.23 | 0.38 | 0.13 | 0.15 | 0.16 | 0.34 | 0.10 | 0.34 | 0.41 | 0.48 | 0.49 | 0.42 | 0.41 |
| — | +20.5% | +110.7% | +106.9% | -1.6% | -38.0% | +1.1% | -29.2% | +48.1% | +12.1% | +29.1% | -55.8% | -62.1% | -29.7% | -78.8% | -20.6% | +0.8% | +13.9% | +8.5% | -4.8% | +9.8% | |
| Interest Coverage | — | 0.62 | 0.61 | 0.69 | 0.64 | 0.55 | 0.52 | 0.61 | 0.35 | 0.11 | 0.65 | 0.79 | 1.70 | 3.33 | 10.58 | 21.06 | 18.31 | 22.23 | 23.71 | 30.07 | 28.00 |
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Includes 30+ ratios · 45 years · Updated daily
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