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 10.17% is 26% below its 5-year average of 13.67%, near the low end of its 5-year range (9.25%–15.84%).
As of the fiscal period ended Tuesday, June 30, 2026. 12.68% below its 12-month average of 11.64%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 10.17%.
RETURN ON EQUITY (ROE)
10.17%
RETURN ON EQUITY (ROE) AVG TTM
11.64%
RETURN ON EQUITY (ROE) AVG 3Y
13.28%
RETURN ON EQUITY (ROE) AVG 5Y
13.67%
RETURN ON EQUITY (ROE) AVG 10Y
N/A
RETURN ON EQUITY (ROE) AVG 15Y
N/A
RETURN ON EQUITY (ROE) AVG 20Y
N/A
CURRENT VS TTM AVG
-12.68%
CURRENT VS 3Y AVG
-23.46%
CURRENT VS 5Y AVG
-25.64%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
8.94%
median of 559 covered companies
CURRENT VS SECTOR MEDIAN
+13.72%
vs the sector median at left
HBT Financial, Inc.
Market Cap
$1.32B
Return on Equity (ROE)
10.17%
TTM Avg
11.64%
3Y Avg
13.28%
5Y Avg
13.67%
Market Cap
$1.32B
Return on Equity (ROE)
9.10%
TTM Avg
9.45%
3Y Avg
9.78%
5Y Avg
9.20%
Market Cap
$1.33B
Return on Equity (ROE)
9.64%
TTM Avg
9.70%
3Y Avg
10.76%
5Y Avg
9.12%
Market Cap
$1.29B
Return on Equity (ROE)
10.24%
TTM Avg
10.84%
3Y Avg
13.04%
5Y Avg
10.87%
Market Cap
$1.39B
Return on Equity (ROE)
12.11%
TTM Avg
11.19%
3Y Avg
11.63%
5Y Avg
11.37%
Market Cap
$1.40B
Return on Equity (ROE)
8.07%
TTM Avg
9.31%
3Y Avg
10.48%
5Y Avg
9.68%
Market Cap
$1.24B
Return on Equity (ROE)
17.07%
TTM Avg
17.02%
3Y Avg
19.02%
5Y Avg
17.59%
Market Cap
$1.42B
Return on Equity (ROE)
20.76%
TTM Avg
21.33%
3Y Avg
27.56%
5Y Avg
48.97%
Market Cap
$1.22B
Return on Equity (ROE)
32.55%
TTM Avg
33.50%
3Y Avg
35.86%
5Y Avg
35.86%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| HBT Financial, Inc. (HBT) | $1.32B | 10.17% | 11.64% | 13.28% | 13.67% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 9.10% | 9.45% | 9.78% | 9.20% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 9.64% | 9.70% | 10.76% | 9.12% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 10.24% | 10.84% | 13.04% | 10.87% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.39B | 12.11% | 11.19% | 11.63% | 11.37% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 8.07% | 9.31% | 10.48% | 9.68% |
| Preferred Bank (PFBC)vs › | $1.24B | 17.07% | 17.02% | 19.02% | 17.59% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.42B | 20.76% | 21.33% | 27.56% | 48.97% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 32.55% | 33.50% | 35.86% | 35.86% |
| Amalgamated Financial Corp. (AMAL)vs › | $1.43B | 13.58% | 14.09% | 14.81% | 12.87% |
ROE
10.2%
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 | 10.17% |
| 2026-03-31 | 9.25% |
| 2025-12-31 | 12.51% |
| 2025-09-30 | 13.08% |
| 2025-06-30 | 13.21% |
| 2025-03-31 | 13.38% |
| 2024-12-31 | 13.18% |
| 2024-09-30 | 13.01% |
| 2024-06-30 | 14.03% |
| 2024-03-31 | 14.47% |
| 2023-12-31 | 13.45% |
| 2023-09-30 | 13.27% |
| 2023-06-30 | 12.52% |
| 2023-03-31 | 11.57% |
| 2022-12-31 | 15.11% |
| 2022-09-30 | 15.84% |
| 2022-06-30 | 14.70% |
| 2022-03-31 | 14.25% |
| 2021-12-31 | 13.65% |
| 2021-09-30 | 14.59% |
| 2021-06-30 | 13.96% |
| 2021-03-31 | 12.81% |
| 2020-12-31 | 10.11% |
| 2020-09-30 | 11.32% |
| 2020-06-30 | 13.55% |
| 2020-03-31 | 15.99% |
| 2019-12-31 | 20.08% |
| 2019-09-30 | 17.97% |
| 2019-06-30 | 36.99% |
| 2019-03-31 | 19.62% |
| 2018-12-31 | 18.74% |
