Last 39 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | 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 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | — | 14.60 | 18.52 | 13.44 | 34.19 | 15.46 | 15.68 | — | 11.90 | 12.76 | 19.06 | 16.55 | 11.18 | 16.42 | 14.02 | 14.84 | 14.63 | 13.28 | 9.10 | 8.23 | 9.17 |
| — | -5.6% | +18.1% | — | +187.3% | +21.1% | -17.8% | — | +6.4% | -22.2% | +36.0% | +11.5% | -23.5% | +23.6% | +54.0% | +80.4% | +59.5% | +18.2% | -56.5% | -76.0% | -52.6% | |
| P/S Ratio | — | 2.66 | 2.63 | 2.74 | 3.25 | 2.74 | 2.79 | 3.29 | 2.45 | 2.13 | 3.27 | 3.31 | 2.96 | 3.25 | 3.33 | 3.57 | 3.35 | 3.59 | 2.66 | 2.20 | 1.53 |
| — | -2.8% | -5.8% | -16.7% | +32.6% | +28.7% | -14.7% | -0.5% | -17.2% | -34.6% | -1.7% | -7.3% | -11.7% | -9.3% | +24.8% | +62.2% | +119.5% | +100.0% | +13.4% | -34.8% | -53.0% | |
| P/B Ratio | — | 0.81 | 0.73 | 0.84 | 0.92 | 0.80 | 0.78 | 0.86 | 0.70 | 0.63 | 0.92 | 1.03 | 1.02 | 1.05 | 1.05 | 1.09 | 1.05 | 1.07 | 1.02 | 0.84 | 0.63 |
| — | +1.9% | -6.0% | -2.2% | +31.2% | +26.9% | -15.6% | -16.4% | -31.3% | -40.1% | -12.4% | -5.1% | -2.6% | -1.9% | +2.8% | +29.3% | +65.2% | +57.5% | +68.6% | -5.9% | -25.5% | |
| P/FCF | — | — | 4.55 | 38.58 | 5.51 | — | 7.55 | — | 3.78 | 3.14 | 15.06 | 10.85 | 4.95 | 27.48 | 11.77 | 3.31 | 4.04 | 1.73 | 20.41 | — | — |
| — | — | -39.8% | — | +45.8% | — | -49.8% | — | -23.6% | -88.6% | +27.9% | +227.7% | +22.6% | +1490.4% | -42.4% | — | — | — | -97.1% | — | — | |
| EV / EBITDA | — | 15.13 | 17.95 | 16.30 | 39.40 | 19.84 | 18.62 | — | 13.94 | 17.45 | 21.32 | 18.01 | 11.67 | 11.85 | 8.61 | 8.99 | 6.49 | 5.42 | 4.60 | 6.34 | 7.98 |
| — | -23.8% | -3.6% | — | +182.6% | +13.7% | -12.7% | — | +19.5% | +47.3% | +147.6% | +100.2% | +79.7% | +118.7% | +87.1% | +41.9% | -18.7% | -42.6% | -70.6% | -73.6% | -49.7% | |
| EV / EBIT | — | 16.66 | 20.71 | 17.99 | 49.63 | 22.21 | 20.79 | — | 15.39 | 19.49 | 23.88 | 19.75 | 12.43 | 12.88 | 9.22 | 9.68 | 7.01 | 5.78 | 4.88 | 6.74 | 8.69 |
| — | -25.0% | -0.4% | — | +222.4% | +13.9% | -12.9% | — | +23.8% | +51.3% | +159.0% | +104.1% | +77.3% | +122.7% | +88.7% | +43.4% | -19.3% | -44.2% | -74.5% | -77.3% | -54.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | 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 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | 56.8% | 53.0% | 53.0% | 45.1% | 52.7% | 52.8% | 51.6% | 56.7% | 56.0% | 63.3% | 75.6% | 89.8% | 90.2% | 95.0% | 98.3% | 97.5% | 101.7% | 94.5% | 82.4% | 75.2% |
| — | +7.8% | +0.3% | +2.7% | -20.4% | -5.9% | -16.6% | -31.8% | -36.9% | -37.9% | -33.4% | -23.0% | -7.9% | -11.3% | +0.5% | +19.2% | +29.8% | +33.5% | +28.2% | +6.7% | -2.4% | |
| Operating Margin | — | 13.9% | 9.8% | 13.4% | 5.5% | 12.1% | 12.7% | -7.2% | 14.8% | 13.4% | 15.2% | 20.3% | 31.9% | 26.0% | 32.0% | 30.2% | 30.6% | 35.6% | 38.1% | 29.2% | 21.1% |
| — | +14.6% | -23.3% | +285.9% | -63.0% | -9.9% | -16.5% | -135.6% | -53.6% | -48.4% | -52.4% | -33.0% | +4.1% | -26.9% | -16.0% | +3.7% | +44.9% | +79.9% | +220.4% | +149.8% | +42.1% | |
| Net Margin | — | 10.5% | 7.5% | 11.1% | 5.0% | 9.3% | 9.5% | -9.7% | 11.4% | 10.3% | 11.4% | 15.7% | 23.8% | 18.8% | 22.9% | 23.2% | 21.9% | 25.5% | 27.4% | 24.6% | 15.3% |
| — | +13.3% | -21.0% | +214.0% | -56.1% | -9.8% | -16.7% | -161.9% | -52.1% | -45.4% | -50.0% | -32.3% | +8.7% | -26.2% | -16.5% | -5.5% | +43.1% | +73.6% | +213.5% | +217.1% | +17.9% |
| Metric | TTM | 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 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | 1.4% | 1.0% | 1.5% | 0.7% | 1.3% | 1.3% | -1.2% | 1.4% | 1.3% | 1.2% | 1.6% | 2.2% | 1.6% | 1.8% | 1.9% | 1.8% | 2.0% | 2.8% | 2.5% | 1.7% |
| — | +10.3% | -24.0% | +226.0% | -52.6% | +1.0% | +4.8% | -178.1% | -36.0% | -20.2% | -35.1% | -15.8% | +25.8% | -22.9% | -33.6% | -26.8% | +2.6% | +30.8% | +294.7% | +289.5% | +25.0% | |
| ROA | — | 0.1% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | -0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% |
| — | +13.7% | -24.2% | +222.9% | -54.3% | -5.9% | -5.2% | -167.8% | -47.7% | -38.0% | -50.2% | -33.0% | +6.3% | -30.6% | -37.1% | -30.1% | -0.2% | +25.4% | +268.5% | +267.1% | +44.5% | |
| ROIC | — | 0.8% | 0.5% | 0.7% | 0.3% | 0.6% | 0.6% | -0.4% | 0.7% | 0.6% | 0.6% | 0.9% | 1.6% | 1.4% | 1.7% | 1.6% | 1.6% | 1.8% | 2.4% | 1.7% | 1.2% |
| — | +41.6% | -12.1% | +306.6% | -60.6% | -5.2% | -8.1% | -138.8% | -55.3% | -56.8% | -62.5% | -43.3% | -2.3% | -23.7% | -27.9% | -5.9% | +32.2% | +73.4% | +402.6% | +252.4% | +67.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | 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 | Q3 '20 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.76 | 0.69 | 0.90 | 0.92 | 1.07 | 1.31 | 0.97 | 0.87 | 1.07 | 1.04 | 0.70 | 0.62 | 0.22 | 0.14 | 0.13 | 0.13 | 0.17 | 0.19 | 0.26 | 0.39 |
| — | -29.4% | -46.9% | -7.7% | +5.9% | -0.0% | +25.3% | +38.1% | +40.3% | +378.8% | +652.4% | +432.8% | +370.4% | +30.0% | -26.5% | -49.7% | -66.0% | -68.6% | -60.1% | -54.9% | -15.9% | |
| Debt / EBITDA | — | 37.58 | 48.61 | 43.68 | 99.81 | 58.20 | 69.36 | — | 42.29 | 58.64 | 57.46 | 32.16 | 19.34 | 9.33 | 4.89 | 5.10 | 4.85 | 5.71 | 4.60 | 8.24 | 15.08 |
| — | -35.4% | -29.9% | — | +136.0% | -0.8% | +20.7% | — | +118.7% | +528.9% | +1074.2% | +531.1% | +299.1% | +63.2% | +6.5% | -38.2% | -67.9% | -76.1% | -88.6% | -82.9% | -51.2% | |
| Current Ratio | — | 0.10 | 0.05 | 0.11 | 0.11 | 0.12 | 0.16 | 0.11 | 0.12 | 0.13 | 0.12 | 0.09 | 0.10 | 0.11 | 0.14 | 0.16 | 0.20 | 0.21 | 0.17 | 0.14 | 0.12 |
| — | -11.2% | -66.4% | -5.6% | -5.6% | -10.5% | +31.2% | +26.0% | +26.6% | +19.9% | -10.4% | -44.4% | -50.9% | -48.4% | -21.1% | +16.6% | +57.0% | +41.8% | +9.0% | -5.3% | -18.0% | |
| Quick Ratio | — | 0.10 | 0.05 | 0.11 | 0.11 | 0.12 | 0.16 | 0.11 | 0.12 | 0.13 | 0.12 | 0.09 | 0.10 | 0.11 | 0.14 | 0.16 | 0.20 | 0.21 | 0.17 | 0.14 | 0.12 |
| — | -11.2% | -66.4% | -5.6% | -5.6% | -10.5% | +31.2% | +26.0% | +26.6% | +19.9% | -10.4% | -44.4% | -50.9% | -48.4% | -21.1% | +16.6% | +57.0% | +41.8% | +9.0% | -5.3% | -18.0% | |
| Interest Coverage | — | 0.33 | 0.22 | 0.30 | 0.12 | 0.26 | 0.27 | -0.15 | 0.34 | 0.34 | 0.45 | 0.97 | 3.53 | 5.18 | 7.36 | 6.92 | 5.71 | 5.93 | 7.11 | 4.20 | 2.80 |
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Includes 30+ ratios · 39 years · Updated daily
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