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 -1.07% is 116% below its 5-year average of 6.62%, near the low end of its 5-year range (-3.22%–12.50%).
As of the fiscal period ended Tuesday, June 30, 2026. 884.89% below its 12-month average of 0.14%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): -1.07%.
RETURN ON EQUITY (ROE)
-1.07%
RETURN ON EQUITY (ROE) AVG TTM
0.14%
RETURN ON EQUITY (ROE) AVG 3Y
3.82%
RETURN ON EQUITY (ROE) AVG 5Y
6.62%
RETURN ON EQUITY (ROE) AVG 10Y
6.28%
RETURN ON EQUITY (ROE) AVG 15Y
5.91%
RETURN ON EQUITY (ROE) AVG 20Y
5.71%
CURRENT VS TTM AVG
-884.89%
CURRENT VS 3Y AVG
-127.91%
CURRENT VS 5Y AVG
-116.11%
CURRENT VS 10Y AVG
-116.97%
CURRENT VS 15Y AVG
-118.06%
CURRENT VS 20Y AVG
-118.69%
SECTOR MEDIAN · FINANCIAL SERVICES
8.76%
median of 677 covered companies
CURRENT VS SECTOR MEDIAN
-112.17%
vs the sector median at left
Pathfinder Bancorp, Inc.
Market Cap
$106.05M
Return on Equity (ROE)
-1.07%
TTM Avg
0.14%
3Y Avg
3.82%
5Y Avg
6.62%
Market Cap
$105.66M
Return on Equity (ROE)
13.41%
TTM Avg
13.45%
3Y Avg
16.71%
5Y Avg
16.38%
Market Cap
$106.56M
Return on Equity (ROE)
1.71%
TTM Avg
0.02%
3Y Avg
1.26%
5Y Avg
-1.61%
Market Cap
$105.42M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.12M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$104.87M
Return on Equity (ROE)
3.29%
TTM Avg
65.45%
3Y Avg
65.45%
5Y Avg
65.45%
Market Cap
$107.32M
Return on Equity (ROE)
N/A
TTM Avg
210.15%
3Y Avg
210.15%
5Y Avg
210.15%
Market Cap
$107.35M
Return on Equity (ROE)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$108.03M
Return on Equity (ROE)
2.03%
TTM Avg
0.32%
3Y Avg
0.32%
5Y Avg
0.32%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pathfinder Bancorp, Inc. (PBHC) | $106.05M | -1.07% | 0.14% | 3.82% | 6.62% |
| Union Bankshares, Inc. (UNB)vs › | $105.66M | 13.41% | 13.45% | 16.71% | 16.38% |
| Twelve Seas Investment Company II (TWLV)vs › | $106.56M | 1.71% | 0.02% | 1.26% | -1.61% |
| Maywood Acquisition Corp. 2 Class A Ordinary Share (MYX)vs › | $105.42M | N/A | N/A | N/A | N/A |
| TCGX Acquisition Corp. Class A Ordinary Shares (TCGX)vs › | $107.12M | N/A | N/A | N/A | N/A |
| ChampionsGate Acquisition Corporation Class A Ordinary Share (CHPG)vs › | $104.87M | 3.29% | 65.45% | 65.45% | 65.45% |
| BHAV Acquisition Corp Class A Ordinary Shares (BHAV)vs › | $107.32M | N/A | 210.15% | 210.15% | 210.15% |
| Research Alliance Corporation III Class A Ordinary Shares (RACC)vs › | $107.35M | N/A | N/A | N/A | N/A |
| Quartzsea Acquisition Corporation (QSEA)vs › | $108.03M | 2.03% | 0.32% | 0.32% | 0.32% |
| Broadway Financial Corp. (BYFC)vs › | $108.04M | -7.74% | -4.38% | -1.28% | -1.55% |
ROE
-1.1%
ROA
-0.1%
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 | -1.07% |
| 2026-03-31 | -3.22% |
| 2025-12-31 | -2.82% |
| 2025-09-30 | 5.97% |
| 2025-06-30 | 1.82% |
| 2025-03-31 | 3.39% |
| 2024-12-31 | 2.78% |
| 2024-09-30 | 1.67% |
| 2024-06-30 | 7.16% |
| 2024-03-31 | 7.24% |
| 2023-12-31 | 7.78% |
| 2023-09-30 | 9.04% |
| 2023-06-30 | 9.92% |
| 2023-03-31 | 11.26% |
| 2022-12-31 | 11.65% |
| 2022-09-30 | 12.38% |
| 2022-06-30 | 12.50% |
| 2022-03-31 | 12.11% |
| 2021-12-31 | 11.25% |
| 2021-09-30 | 9.85% |
| 2021-06-30 | 8.31% |
| 2021-03-31 | 7.42% |
| 2020-12-31 | 7.13% |
| 2020-09-30 | 7.27% |
| 2020-06-30 | 7.24% |
| 2020-03-31 | 6.20% |
| 2019-12-31 | 4.73% |
| 2019-09-30 | 3.95% |
| 2019-06-30 | 3.66% |
| 2019-03-31 | 5.35% |
| 2018-12-31 | 6.28% |
| 2018-09-30 | 6.00% |
| 2018-06-30 | 5.94% |
| 2018-03-31 | 5.95% |
| 2017-12-31 | 5.66% |
| 2017-09-30 | 5.79% |
| 2017-06-30 | 5.73% |
| 2017-03-31 | 5.74% |
| 2016-12-31 | 5.65% |
| 2016-09-30 | 5.26% |
| 2016-06-30 | 5.29% |
| 2016-03-31 | 5.14% |
| 2015-12-31 | 4.08% |
| 2015-09-30 | 4.16% |
| 2015-06-30 | 4.02% |
| 2015-03-31 | 4.00% |
| 2014-12-31 | 3.99% |
| 2014-09-30 | 5.47% |
| 2014-06-30 | 5.07% |
| 2014-03-31 | 5.51% |
| 2013-12-31 | 5.63% |
| 2013-09-30 | 6.34% |
| 2013-06-30 | 6.79% |
| 2013-03-31 | 6.39% |
| 2012-12-31 | 6.50% |
| 2012-09-30 | 5.75% |
| 2012-06-30 | 6.43% |
| 2012-03-31 | 6.42% |
| 2011-12-31 | 6.14% |
| 2011-09-30 | 6.53% |
| 2011-06-30 | 7.30% |
| 2011-03-31 | 7.47% |
| 2010-12-31 | 8.19% |
| 2010-09-30 | 7.15% |
| 2010-06-30 | 6.96% |
| 2010-03-31 | 5.43% |
| 2009-12-31 | 5.52% |
| 2009-09-30 | 6.16% |
| 2009-06-30 | 1.72% |
| 2009-03-31 | 3.10% |
| 2008-12-31 | 1.89% |
| 2008-09-30 | 1.35% |
| 2008-06-30 | 6.73% |
| 2008-03-31 | 5.87% |
| 2007-12-31 | 5.17% |
| 2007-09-30 | 4.52% |
| 2007-06-30 | 3.93% |
| 2007-03-31 | 4.55% |
| 2006-12-31 | 4.93% |
| 2006-09-30 | 3.16% |
| 2006-06-30 | 3.02% |
| 2006-03-31 | 2.65% |
| 2005-12-31 | 2.21% |
| 2005-09-30 | 3.24% |
| 2005-06-30 | 4.35% |
| 2005-03-31 | 5.87% |
| 2004-12-31 | 6.44% |
| 2004-09-30 | 6.90% |
| 2004-06-30 | 7.06% |
| 2004-03-31 | 6.66% |
| 2003-12-31 | 7.58% |
| 2003-09-30 | 5.77% |
| 2003-06-30 | 5.81% |
