Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 20.76% is 41% below its 5-year average of 35.20%, near the low end of its 5-year range (18.81%–67.41%).
As of the fiscal period ended Tuesday, June 30, 2026. 2.71% above its 12-month average of 20.21%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 20.76%.
RETURN ON EQUITY (ROE)
20.76%
RETURN ON EQUITY (ROE) AVG TTM
20.21%
RETURN ON EQUITY (ROE) AVG 3Y
22.88%
RETURN ON EQUITY (ROE) AVG 5Y
35.20%
RETURN ON EQUITY (ROE) AVG 10Y
41.36%
RETURN ON EQUITY (ROE) AVG 15Y
67.02%
RETURN ON EQUITY (ROE) AVG 20Y
39.97%
CURRENT VS TTM AVG
+2.71%
CURRENT VS 3Y AVG
-9.26%
CURRENT VS 5Y AVG
-41.02%
CURRENT VS 10Y AVG
-49.81%
CURRENT VS 15Y AVG
-69.03%
CURRENT VS 20Y AVG
-48.06%
SECTOR MEDIAN · FINANCIAL SERVICES
9.41%
median of 449 covered companies
CURRENT VS SECTOR MEDIAN
+120.60%
vs the sector median at left
Atlanticus Holdings Corporation
Market Cap
$1.41B
Return on Equity (ROE)
20.76%
TTM Avg
20.21%
3Y Avg
22.88%
5Y Avg
35.20%
Market Cap
$1.41B
Return on Equity (ROE)
8.07%
TTM Avg
9.31%
3Y Avg
10.48%
5Y Avg
9.68%
Market Cap
$1.39B
Return on Equity (ROE)
12.11%
TTM Avg
11.19%
3Y Avg
11.63%
5Y Avg
11.37%
Market Cap
$1.43B
Return on Equity (ROE)
13.58%
TTM Avg
14.09%
3Y Avg
14.81%
5Y Avg
12.87%
Market Cap
$1.47B
Return on Equity (ROE)
14.38%
TTM Avg
13.62%
3Y Avg
14.98%
5Y Avg
14.39%
Market Cap
$1.47B
Return on Equity (ROE)
10.46%
TTM Avg
9.58%
3Y Avg
8.95%
5Y Avg
10.19%
Market Cap
$1.33B
Return on Equity (ROE)
9.10%
TTM Avg
9.45%
3Y Avg
9.78%
5Y Avg
9.20%
Market Cap
$1.32B
Return on Equity (ROE)
10.17%
TTM Avg
12.84%
3Y Avg
13.56%
5Y Avg
13.01%
Market Cap
$1.55B
Return on Equity (ROE)
9.84%
TTM Avg
5.53%
3Y Avg
7.21%
5Y Avg
8.03%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Atlanticus Holdings Corporation (ATLC) | $1.41B | 20.76% | 20.21% | 22.88% | 35.20% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.41B | 8.07% | 9.31% | 10.48% | 9.68% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.39B | 12.11% | 11.19% | 11.63% | 11.37% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 13.58% | 14.09% | 14.81% | 12.87% |
| Lakeland Financial Corporation (LKFN)vs › | $1.47B | 14.38% | 13.62% | 14.98% | 14.39% |
| Capital Southwest Corporation (CSWC)vs › | $1.47B | 10.46% | 9.58% | 8.95% | 10.19% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.33B | 9.10% | 9.45% | 9.78% | 9.20% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 10.17% | 12.84% | 13.56% | 13.01% |
| ConnectOne Bancorp, Inc. (CNOB)vs › | $1.55B | 9.84% | 5.53% | 7.21% | 8.03% |
| Nuveen California Quality Municipal Income Fund (NAC)vs › | $1.55B | -7.34% | -1.33% | -3.13% | -2.46% |
ROE
20.8%
ROA
2.1%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 20.76% |
| 2026-03-31 | 19.59% |
| 2025-12-31 | 20.08% |
| 2025-09-30 | 18.81% |
| 2025-06-30 | 21.82% |
| 2025-03-31 | 21.90% |
| 2024-12-31 | 22.58% |
| 2024-09-30 | 23.22% |
| 2024-06-30 | 21.53% |
| 2024-03-31 | 24.71% |
| 2023-12-31 | 26.06% |
| 2023-09-30 | 26.68% |
| 2023-06-30 | 29.69% |
| 2023-03-31 | 33.72% |
| 2022-12-31 | 41.54% |
| 2022-09-30 | 52.56% |
| 2022-06-30 | 60.64% |
| 2022-03-31 | 65.25% |
| 2021-12-31 | 61.77% |
| 2021-09-30 | 58.85% |
| 2021-06-30 | 67.41% |
| 2021-03-31 | 111.93% |
| 2020-12-31 | 121.78% |
| 2020-09-30 | 123.85% |
| 2020-06-30 | 199.45% |
| 2020-03-31 | 772.22% |
| 2017-03-31 | -144.65% |
| 2016-12-31 | -109.47% |
| 2016-09-30 | -85.32% |
| 2016-06-30 | 19.69% |
| 2016-03-31 | 27.54% |
| 2015-12-31 | 15.63% |
| 2015-09-30 | 310.08% |
| 2015-06-30 | 269.53% |
| 2015-03-31 | 197.49% |
| 2014-12-31 | 96.45% |
| 2013-06-30 | 493.45% |
| 2013-03-31 | 176.66% |
| 2012-12-31 | 126.72% |
| 2012-09-30 | 146.38% |
| 2012-06-30 | -8.12% |
| 2012-03-31 | 139.42% |
| 2011-12-31 | 176.07% |
| 2011-09-30 | 130.62% |
| 2011-06-30 | 132.46% |
| 2011-03-31 | -33.15% |
| 2010-12-31 | -227.61% |
| 2010-09-30 | -179.31% |
| 2010-06-30 | -579.91% |
| 2010-03-31 | -267.27% |
| 2009-12-31 | -285.71% |
| 2009-09-30 | -215.37% |
| 2009-06-30 | -64.04% |
| 2009-03-31 | -35.66% |
| 2008-12-31 | -14.28% |
| 2008-09-30 | -8.50% |
| 2008-06-30 | -10.81% |
| 2008-03-31 | -5.98% |
| 2007-12-31 | -6.43% |
| 2007-09-30 | -7.14% |
| 2007-06-30 | 4.13% |
| 2007-03-31 | 8.75% |
| 2006-12-31 | 12.16% |
| 2006-09-30 | 11.56% |
| 2006-06-30 | 13.81% |
| 2006-03-31 | 19.12% |
| 2005-12-31 | 22.33% |
| 2005-09-30 | 25.80% |
| 2005-06-30 | 25.98% |
| 2005-03-31 | 17.86% |
| 2004-12-31 | 14.73% |
| 2004-09-30 | 13.16% |
| 2004-06-30 | 16.94% |
| 2004-03-31 | 17.94% |
| 2003-12-31 | 21.79% |
| 2003-09-30 | 23.36% |
| 2003-06-30 | 18.88% |