Verse 40. - And he said unto them, Why are ye fearful! have ye not yet faith? Not πῶς οὐκ ἔχετε, but οὔπω ἔχετε. If they had faith, they would have known that, though asleep, he could preserve them.

4:35-41 Christ was asleep in the storm, to try the faith of his disciples, and to stir them up to pray. Their faith appeared weak, and their prayers strong. When our wicked hearts are like the troubled sea which cannot rest, when our passions are unruly, let us think we hear the law of Christ, saying, Be silent, be dumb. When without are fightings, and within are fears, and the spirits are in a tumult, if he say, Peace, be still, there is a great calm at once. Why are ye so fearful? Though there may be cause for some fear, yet not for such fear as this. Those may suspect their faith, who can have such a thought as that Jesus careth not though his people perish. How imperfect are the best of saints! Faith and fear take their turns while we are in this world; but ere long, fear will be overcome, and faith will be lost in sight.And he said unto them,.... His disciples,

why are ye so fearful? since he was with them in person, whose power to keep and preserve them, they had no room to question, when they reflected on the miracles they had so lately seen performed by him:

how is it that ye have no faith? That is, in exercise: faith they had, but it was very small, and scarcely to be called faith: they did indeed apply to him to save them, which showed some faith in him, but then they feared it was too late, and that they were past all hope, and were just perishing; See Gill on Matthew 8:26.