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 -0.09% is 118% below its 5-year average of 0.51%, near the low end of its 5-year range (-0.24%–0.97%).
1700.00% below its 12-month average of 0.00%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.18%.
RETURN ON ASSETS (ROA)
-0.09%
RETURN ON ASSETS (ROA) AVG TTM
0.00%
RETURN ON ASSETS (ROA) AVG 3Y
0.39%
RETURN ON ASSETS (ROA) AVG 5Y
0.51%
RETURN ON ASSETS (ROA) AVG 10Y
0.47%
RETURN ON ASSETS (ROA) AVG 15Y
0.48%
RETURN ON ASSETS (ROA) AVG 20Y
0.42%
CURRENT VS TTM AVG
-1700.00%
CURRENT VS 3Y AVG
-123.38%
CURRENT VS 5Y AVG
-117.53%
CURRENT VS 10Y AVG
-119.04%
CURRENT VS 15Y AVG
-118.87%
CURRENT VS 20Y AVG
-121.37%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 689 covered companies
CURRENT VS SECTOR MEDIAN
-107.32%
vs the sector median at left
Pathfinder Bancorp, Inc.
Market Cap
$109.05M
Return on Assets (ROA)
-0.09%
TTM Avg
0.00%
3Y Avg
0.39%
5Y Avg
0.51%
Market Cap
$109.05M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$109.07M
Return on Assets (ROA)
-0.50%
TTM Avg
-2.55%
3Y Avg
-1.23%
5Y Avg
-0.80%
Market Cap
$108.87M
Return on Assets (ROA)
-1.30%
TTM Avg
-0.85%
3Y Avg
-0.23%
5Y Avg
-0.23%
Market Cap
$108.37M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$108.34M
Return on Assets (ROA)
1.93%
TTM Avg
0.30%
3Y Avg
0.30%
5Y Avg
0.30%
Market Cap
$107.73M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$110.38M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.32M
Return on Assets (ROA)
-35.66%
TTM Avg
-35.66%
3Y Avg
-35.66%
5Y Avg
-35.66%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pathfinder Bancorp, Inc. (PBHC) | $109.05M | -0.09% | 0.00% | 0.39% | 0.51% |
| Arc Group Securities Acquisition I (FJDI)vs › | $109.05M | N/A | N/A | N/A | N/A |
| Patriot National Bancorp, Inc. (PNBK)vs › | $109.07M | -0.50% | -2.55% | -1.23% | -0.80% |
| Broadway Financial Corp. (BYFC)vs › | $108.87M | -1.30% | -0.85% | -0.23% | -0.23% |
| Research Alliance Corporation III Class A Ordinary Shares (RACC)vs › | $108.37M | N/A | N/A | N/A | N/A |
| Quartzsea Acquisition Corporation (QSEA)vs › | $108.34M | 1.93% | 0.30% | 0.30% | 0.30% |
| TCGX Acquisition Corp. Class A Ordinary Shares (TCGX)vs › | $107.73M | N/A | N/A | N/A | N/A |
| Aperture AC Class A Ordinary Shares (APUR)vs › | $110.38M | N/A | N/A | N/A | N/A |
| BHAV Acquisition Corp Class A Ordinary Shares (BHAV)vs › | $107.32M | -35.66% | -35.66% | -35.66% | -35.66% |
| Twelve Seas Investment Company II (TWLV)vs › | $106.72M | 1.64% | 0.02% | 1.26% | 0.46% |
ROA
-0.1%
ROE
-1.1%
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 | -0.24% |
| 2024-12-31 | 0.23% |
| 2023-12-31 | 0.63% |
| 2022-12-31 | 0.92% |
| 2021-12-31 | 0.97% |
| 2020-12-31 | 0.57% |
| 2019-12-31 | 0.39% |
| 2018-12-31 | 0.43% |
| 2017-12-31 | 0.40% |
| 2016-12-31 | 0.44% |
| 2015-12-31 | 0.46% |
| 2014-12-31 | 0.49% |
| 2013-12-31 | 0.48% |
| 2012-12-31 | 0.55% |
| 2011-12-31 | 0.52% |
| 2010-12-31 | 0.61% |
| 2009-12-31 | 0.43% |
| 2008-12-31 | 0.10% |
| 2007-12-31 | 0.35% |
| 2006-12-31 | 0.34% |
| 2005-12-31 | 0.16% |
| 2004-12-31 | 0.47% |
| 2003-12-31 | 0.59% |
| 2002-12-31 | 0.41% |
| 2001-12-31 | 0.66% |
| 2000-12-31 | 0.15% |
| 1999-12-31 | 0.43% |
| 1998-12-31 | 0.59% |
| 1997-12-31 | 0.94% |
| 1996-12-31 | 0.67% |
