Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 1.19% is 33% above its 5-year average of 0.89%, near the high end of its 5-year range (0.56%–1.19%).
68.79% above its 12-month average of 0.71%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.31%.
RETURN ON ASSETS (ROA)
1.19%
RETURN ON ASSETS (ROA) AVG TTM
0.71%
RETURN ON ASSETS (ROA) AVG 3Y
0.86%
RETURN ON ASSETS (ROA) AVG 5Y
0.89%
RETURN ON ASSETS (ROA) AVG 10Y
0.82%
RETURN ON ASSETS (ROA) AVG 15Y
0.81%
RETURN ON ASSETS (ROA) AVG 20Y
0.82%
CURRENT VS TTM AVG
+68.79%
CURRENT VS 3Y AVG
+39.18%
CURRENT VS 5Y AVG
+33.21%
CURRENT VS 10Y AVG
+45.93%
CURRENT VS 15Y AVG
+47.60%
CURRENT VS 20Y AVG
+45.54%
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 641 covered companies
CURRENT VS SECTOR MEDIAN
-2.46%
vs the sector median at left
Chemung Financial Corporation
Market Cap
$396.12M
Return on Assets (ROA)
1.19%
TTM Avg
0.71%
3Y Avg
0.86%
5Y Avg
0.89%
Market Cap
$396.75M
Return on Assets (ROA)
8.58%
TTM Avg
3.38%
3Y Avg
0.30%
5Y Avg
-0.03%
Market Cap
$391.22M
Return on Assets (ROA)
3.55%
TTM Avg
2.50%
3Y Avg
2.50%
5Y Avg
2.50%
Market Cap
$390.33M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$389.03M
Return on Assets (ROA)
1.99%
TTM Avg
1.48%
3Y Avg
1.62%
5Y Avg
1.63%
Market Cap
$402.84M
Return on Assets (ROA)
1.20%
TTM Avg
0.99%
3Y Avg
1.13%
5Y Avg
1.21%
Market Cap
$388.84M
Return on Assets (ROA)
12.80%
TTM Avg
2.46%
3Y Avg
2.46%
5Y Avg
-10.71%
Market Cap
$386.61M
Return on Assets (ROA)
1.22%
TTM Avg
0.54%
3Y Avg
0.32%
5Y Avg
0.49%
Market Cap
$404.46M
Return on Assets (ROA)
0.87%
TTM Avg
0.78%
3Y Avg
0.86%
5Y Avg
0.73%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Chemung Financial Corporation (CHMG) | $396.12M | 1.19% | 0.71% | 0.86% | 0.89% |
| GP-Act III Acquisition Corp. (GPAT)vs › | $396.75M | 8.58% | 3.38% | 0.30% | -0.03% |
| Republic Digital Acquisition Company Class A (RDAG)vs › | $391.22M | 3.55% | 2.50% | 2.50% | 2.50% |
| Berto Acquisition Corp. II (GUAC)vs › | $390.33M | N/A | N/A | N/A | N/A |
| Parke Bancorp, Inc. (PKBK)vs › | $389.03M | 1.99% | 1.48% | 1.62% | 1.63% |
| PCB Bancorp (PCB)vs › | $402.84M | 1.20% | 0.99% | 1.13% | 1.21% |
| Centurion Acquisition Corp. (ALF)vs › | $388.84M | 12.80% | 2.46% | 2.46% | -10.71% |
| Primis Financial Corp (FRST)vs › | $386.61M | 1.22% | 0.54% | 0.32% | 0.49% |
| Investar Holding Corporation (ISTR)vs › | $404.46M | 0.87% | 0.78% | 0.86% | 0.73% |
| Citizens Financial Services, Inc. (CZFS)vs › | $386.75M | 1.29% | 1.05% | 0.99% | 1.11% |
ROA
1.2%
ROE
12.4%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 0.56% |
| 2024-12-31 | 0.85% |
| 2023-12-31 | 0.92% |
| 2022-12-31 | 1.09% |
| 2021-12-31 | 1.09% |
| 2020-12-31 | 0.85% |
| 2019-12-31 | 0.87% |
| 2018-12-31 | 1.12% |
| 2017-12-31 | 0.43% |
| 2016-12-31 | 0.61% |
| 2015-12-31 | 0.58% |
| 2014-12-31 | 0.54% |
| 2013-12-31 | 0.59% |
| 2012-12-31 | 0.88% |
| 2011-12-31 | 0.87% |
| 2010-12-31 | 1.05% |
| 2009-12-31 | 0.54% |
| 2008-12-31 | 1.00% |
| 2007-12-31 | 0.92% |
| 2006-12-31 | 0.89% |
| 2005-12-31 | 0.92% |
| 2004-12-31 | 1.21% |
| 2003-12-31 | 0.93% |
| 2002-12-31 | 0.87% |
| 2001-12-31 | 1.17% |
| 2000-12-31 | 1.29% |
| 1999-12-31 | 1.28% |
| 1998-12-31 | 1.17% |
| 1997-12-31 | 1.25% |
| 1996-12-31 | 1.16% |
