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 12.41% is in line with its 5-year average of 12.11%, around the middle of its 5-year range (4.77%–17.87%).
As of the fiscal period ended Tuesday, June 30, 2026. 74.89% above its 12-month average of 7.09%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 12.41%.
RETURN ON EQUITY (ROE)
12.41%
RETURN ON EQUITY (ROE) AVG TTM
7.09%
RETURN ON EQUITY (ROE) AVG 3Y
10.42%
RETURN ON EQUITY (ROE) AVG 5Y
12.11%
RETURN ON EQUITY (ROE) AVG 10Y
10.23%
RETURN ON EQUITY (ROE) AVG 15Y
9.26%
RETURN ON EQUITY (ROE) AVG 20Y
8.41%
CURRENT VS TTM AVG
+74.89%
CURRENT VS 3Y AVG
+19.02%
CURRENT VS 5Y AVG
+2.49%
CURRENT VS 10Y AVG
+21.24%
CURRENT VS 15Y AVG
+33.96%
CURRENT VS 20Y AVG
+47.46%
SECTOR MEDIAN · FINANCIAL SERVICES
8.93%
median of 583 covered companies
CURRENT VS SECTOR MEDIAN
+38.93%
vs the sector median at left
Chemung Financial Corporation
Market Cap
$397.64M
Return on Equity (ROE)
12.41%
TTM Avg
7.09%
3Y Avg
10.42%
5Y Avg
12.11%
Market Cap
$396.75M
Return on Equity (ROE)
10.30%
TTM Avg
3.55%
3Y Avg
14.55%
5Y Avg
7.86%
Market Cap
$400.42M
Return on Equity (ROE)
10.44%
TTM Avg
8.34%
3Y Avg
8.98%
5Y Avg
9.75%
Market Cap
$404.18M
Return on Equity (ROE)
8.00%
TTM Avg
8.00%
3Y Avg
9.97%
5Y Avg
8.15%
Market Cap
$391.36M
Return on Equity (ROE)
17.33%
TTM Avg
-33.59%
3Y Avg
-33.59%
5Y Avg
-103.10%
Market Cap
$391.22M
Return on Equity (ROE)
3.70%
TTM Avg
2.60%
3Y Avg
2.60%
5Y Avg
2.60%
Market Cap
$390.33M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$389.95M
Return on Equity (ROE)
13.23%
TTM Avg
10.41%
3Y Avg
11.63%
5Y Avg
13.04%
Market Cap
$409.35M
Return on Equity (ROE)
-80.29%
TTM Avg
-53.34%
3Y Avg
214.76%
5Y Avg
172.05%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Chemung Financial Corporation (CHMG) | $397.64M | 12.41% | 7.09% | 10.42% | 12.11% |
| GP-Act III Acquisition Corp. (GPAT)vs › | $396.75M | 10.30% | 3.55% | 14.55% | 7.86% |
| PCB Bancorp (PCB)vs › | $400.42M | 10.44% | 8.34% | 8.98% | 9.75% |
| Investar Holding Corporation (ISTR)vs › | $404.18M | 8.00% | 8.00% | 9.97% | 8.15% |
| Centurion Acquisition Corp. (ALF)vs › | $391.36M | 17.33% | -33.59% | -33.59% | -103.10% |
| Republic Digital Acquisition Company Class A (RDAG)vs › | $391.22M | 3.70% | 2.60% | 2.60% | 2.60% |
| Berto Acquisition Corp. II (GUAC)vs › | $390.33M | N/A | N/A | N/A | N/A |
| Parke Bancorp, Inc. (PKBK)vs › | $389.95M | 13.23% | 10.41% | 11.63% | 13.04% |
| Eightco Holdings Inc. (ORBS)vs › | $409.35M | -80.29% | -53.34% | 214.76% | 172.05% |
| Citizens Financial Services, Inc. (CZFS)vs › | $386.08M | 11.63% | 10.05% | 10.25% | 11.27% |
ROE
12.4%
ROA
1.2%
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 | 12.41% |
| 2026-03-31 | 6.95% |
| 2025-12-31 | 5.93% |
| 2025-09-30 | 5.41% |
| 2025-06-30 | 4.77% |
| 2025-03-31 | 9.92% |
| 2024-12-31 | 10.99% |
| 2024-09-30 | 9.77% |
| 2024-06-30 | 11.67% |
| 2024-03-31 | 12.57% |
| 2023-12-31 | 12.80% |
| 2023-09-30 | 16.84% |
| 2023-06-30 | 15.47% |
| 2023-03-31 | 16.46% |
| 2022-12-31 | 17.30% |
| 2022-09-30 | 17.87% |
| 2022-06-30 | 16.02% |
| 2022-03-31 | 14.43% |
| 2021-12-31 | 12.50% |
| 2021-09-30 | 12.23% |
| 2021-06-30 | 11.90% |
| 2021-03-31 | 11.96% |
| 2020-12-31 | 9.65% |
| 2020-09-30 | 9.26% |
| 2020-06-30 | 7.44% |
| 2020-03-31 | 7.16% |
| 2019-12-31 | 8.55% |
| 2019-09-30 | 9.41% |
| 2019-06-30 | 12.39% |
| 2019-03-31 | 11.46% |
| 2018-12-31 | 11.89% |
| 2018-09-30 | 7.50% |
| 2018-06-30 | 5.57% |
| 2018-03-31 | 5.92% |
| 2017-12-31 | 4.96% |
| 2017-09-30 | 8.13% |
| 2017-06-30 | 7.66% |
| 2017-03-31 | 6.95% |
| 2016-12-31 | 6.98% |
| 2016-09-30 | 6.35% |
| 2016-06-30 | 6.18% |
| 2016-03-31 | 6.99% |
| 2015-12-31 | 6.87% |
| 2015-09-30 | 8.50% |
| 2015-06-30 | 6.60% |
| 2015-03-31 | 6.14% |
| 2014-12-31 | 6.09% |
| 2014-09-30 | 3.70% |
| 2014-06-30 | 5.40% |
| 2014-03-31 | 5.97% |
| 2013-12-31 | 6.30% |
| 2013-09-30 | 6.96% |
| 2013-06-30 | 7.56% |
| 2013-03-31 | 7.39% |
| 2012-12-31 | 8.41% |
| 2012-09-30 | 8.92% |
| 2012-06-30 | 9.45% |
| 2012-03-31 | 9.69% |
| 2011-12-31 | 8.37% |
| 2011-09-30 | 8.26% |
| 2011-06-30 | 7.81% |
| 2011-03-31 | 9.87% |
| 2010-12-31 | 10.37% |
| 2010-09-30 | 8.57% |
| 2010-06-30 | 7.70% |
| 2010-03-31 | 5.96% |
| 2009-12-31 | 5.81% |
| 2009-09-30 | 6.30% |
| 2009-06-30 | 7.60% |
| 2009-03-31 | 9.52% |
| 2008-12-31 | 10.06% |
| 2008-09-30 | 9.56% |
| 2008-06-30 | 9.33% |
| 2008-03-31 | 8.58% |
| 2007-12-31 | 8.24% |
| 2007-09-30 | 8.13% |
| 2007-06-30 | 8.00% |
| 2007-03-31 | 8.09% |
| 2006-12-31 | 8.06% |
| 2006-09-30 | 7.92% |
| 2006-06-30 | 8.37% |
| 2006-03-31 | 8.16% |
| 2005-12-31 | 8.12% |
| 2005-09-30 | 9.58% |
| 2005-06-30 | 9.60% |
| 2005-03-31 | 10.19% |
| 2004-12-31 | 10.62% |
| 2004-09-30 | 10.66% |
| 2004-06-30 | 9.84% |
| 2004-03-31 | 8.60% |
| 2003-12-31 | 8.69% |
| 2003-09-30 | 7.70% |
| 2003-06-30 | 7.28% |
