Basis: Trailing twelve months (TTM). 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 5.13% is in line with its 5-year average of 5.58%, around the middle of its 5-year range (0.43%–8.23%).
19.23% below its 12-month average of 6.35%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q3 FY2026 (2026-03-31): 6.03%.
RETURN ON EQUITY (ROE)
5.13%
RETURN ON EQUITY (ROE) AVG TTM
6.35%
RETURN ON EQUITY (ROE) AVG 3Y
6.43%
RETURN ON EQUITY (ROE) AVG 5Y
5.58%
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
-19.23%
CURRENT VS 3Y AVG
-20.28%
CURRENT VS 5Y AVG
-8.14%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
8.78%
median of 655 covered companies
CURRENT VS SECTOR MEDIAN
-41.57%
vs the sector median at left
Pioneer Bancorp, Inc.
Market Cap
$444.61M
Return on Equity (ROE)
5.13%
TTM Avg
6.35%
3Y Avg
6.43%
5Y Avg
5.58%
Market Cap
$442.94M
Return on Equity (ROE)
16.34%
TTM Avg
4.54%
3Y Avg
6.23%
5Y Avg
6.79%
Market Cap
$442.11M
Return on Equity (ROE)
7.80%
TTM Avg
5.67%
3Y Avg
8.23%
5Y Avg
8.81%
Market Cap
$447.77M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$448.77M
Return on Equity (ROE)
9.39%
TTM Avg
10.08%
3Y Avg
9.58%
5Y Avg
9.96%
Market Cap
$438.89M
Return on Equity (ROE)
18.79%
TTM Avg
20.14%
3Y Avg
19.76%
5Y Avg
19.21%
Market Cap
$437.94M
Return on Equity (ROE)
-0.47%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$435.53M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$455.19M
Return on Equity (ROE)
29.40%
TTM Avg
32.89%
3Y Avg
127.54%
5Y Avg
77.88%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pioneer Bancorp, Inc. (PBFS) | $444.61M | 5.13% | 6.35% | 6.43% | 5.58% |
| Bank of Marin Bancorp (BMRC)vs › | $442.94M | 16.34% | 4.54% | 6.23% | 6.79% |
| RBB Bancorp (RBB)vs › | $442.11M | 7.80% | 5.67% | 8.23% | 8.81% |
| Churchill Capital Corp. Xii (CXII)vs › | $447.77M | N/A | N/A | N/A | N/A |
| First Bank (FRBA)vs › | $448.77M | 9.39% | 10.08% | 9.58% | 9.96% |
| AMERISAFE, Inc. (AMSF)vs › | $438.89M | 18.79% | 20.14% | 19.76% | 19.21% |
| Idea Acquisition Corp. Class A Ordinary Shares (IACO)vs › | $437.94M | -0.47% | 0.00% | 0.00% | 0.00% |
| Meshflow Acquisition Corp. (MESH)vs › | $435.53M | N/A | N/A | N/A | N/A |
| American Coastal Insurance Corporation (ACIC)vs › | $455.19M | 29.40% | 32.89% | 127.54% | 77.88% |
| AlTi Global, Inc. (ALTI)vs › | $433.60M | -18.43% | -17.80% | -29.05% | -19.83% |
ROE
5.1%
ROA
0.8%
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) |
|---|---|
| 2026-03-31 | 6.03% |
| 2025-12-31 | 6.26% |
| 2025-09-30 | 6.31% |
| 2025-06-30 | 6.94% |
| 2025-03-31 | 6.21% |
| 2024-12-31 | 5.99% |
| 2024-09-30 | 5.97% |
| 2024-06-30 | 5.15% |
| 2024-03-31 | 5.48% |
| 2023-12-31 | 6.04% |
| 2023-09-30 | 7.41% |
| 2023-06-30 | 8.23% |
| 2023-03-31 | 7.62% |
| 2022-12-31 | 5.64% |
| 2022-09-30 | 5.86% |
| 2022-06-30 | 4.24% |
| 2022-03-31 | 1.84% |
| 2021-12-31 | 2.21% |
| 2021-09-30 | 0.43% |
| 2021-06-30 | 0.45% |
| 2021-03-31 | 2.67% |
| 2020-12-31 | 2.47% |
| 2020-09-30 | 3.36% |
| 2020-06-30 | 2.32% |
| 2020-03-31 | 3.81% |
| 2019-12-31 | 5.55% |
| 2019-09-30 | 6.08% |
| 2019-06-30 | 15.43% |
| 2019-03-31 | 13.78% |
| 2018-12-31 | 13.29% |
| 2018-06-30 | 9.74% |
