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 9.59% is in line with its 5-year average of 10.60%, near the low end of its 5-year range (7.97%–13.66%).
As of the fiscal period ended Tuesday, June 30, 2026. 4.48% above its 12-month average of 9.17%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 9.59%.
RETURN ON EQUITY (ROE)
9.59%
RETURN ON EQUITY (ROE) AVG TTM
9.17%
RETURN ON EQUITY (ROE) AVG 3Y
8.97%
RETURN ON EQUITY (ROE) AVG 5Y
10.60%
RETURN ON EQUITY (ROE) AVG 10Y
9.95%
RETURN ON EQUITY (ROE) AVG 15Y
8.81%
RETURN ON EQUITY (ROE) AVG 20Y
7.74%
CURRENT VS TTM AVG
+4.48%
CURRENT VS 3Y AVG
+6.82%
CURRENT VS 5Y AVG
-9.56%
CURRENT VS 10Y AVG
-3.65%
CURRENT VS 15Y AVG
+8.82%
CURRENT VS 20Y AVG
+23.82%
SECTOR MEDIAN · FINANCIAL SERVICES
9.23%
median of 534 covered companies
CURRENT VS SECTOR MEDIAN
+3.86%
vs the sector median at left
Civista Bancshares, Inc.
Market Cap
$557.72M
Return on Equity (ROE)
9.59%
TTM Avg
9.17%
3Y Avg
8.97%
5Y Avg
10.60%
Market Cap
$558.26M
Return on Equity (ROE)
14.11%
TTM Avg
12.72%
3Y Avg
11.00%
5Y Avg
15.49%
Market Cap
$560.36M
Return on Equity (ROE)
N/A
TTM Avg
-0.98%
3Y Avg
-2.82%
5Y Avg
-2.22%
Market Cap
$560.81M
Return on Equity (ROE)
5.96%
TTM Avg
5.71%
3Y Avg
9.75%
5Y Avg
9.80%
Market Cap
$553.89M
Return on Equity (ROE)
10.28%
TTM Avg
8.04%
3Y Avg
9.75%
5Y Avg
10.22%
Market Cap
$552.45M
Return on Equity (ROE)
19.71%
TTM Avg
16.81%
3Y Avg
14.63%
5Y Avg
14.85%
Market Cap
$546.96M
Return on Equity (ROE)
10.67%
TTM Avg
10.86%
3Y Avg
5.55%
5Y Avg
6.20%
Market Cap
$544.74M
Return on Equity (ROE)
-73.73%
TTM Avg
-2.49%
3Y Avg
-32.79%
5Y Avg
-22.96%
Market Cap
$570.92M
Return on Equity (ROE)
10.28%
TTM Avg
8.04%
3Y Avg
9.75%
5Y Avg
10.22%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Civista Bancshares, Inc. (CIVB) | $557.72M | 9.59% | 9.17% | 8.97% | 10.60% |
| Investors Title Company (ITIC)vs › | $558.26M | 14.11% | 12.72% | 11.00% | 15.49% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $560.36M | N/A | -0.98% | -2.82% | -2.22% |
| Community West Bancshares (CWBC)vs › | $560.81M | 5.96% | 5.71% | 9.75% | 9.80% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $553.89M | 10.28% | 8.04% | 9.75% | 10.22% |
| Northrim BanCorp, Inc. (NRIM)vs › | $552.45M | 19.71% | 16.81% | 14.63% | 14.85% |
| Donegal Group Inc. (DGICB)vs › | $546.96M | 10.67% | 10.86% | 5.55% | 6.20% |
| Bit Digital, Inc. (BTBT)vs › | $544.74M | -73.73% | -2.49% | -32.79% | -22.96% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $570.92M | 10.28% | 8.04% | 9.75% | 10.22% |
| Powerlaw Corp. Common Stock (PWRL)vs › | $535.81M | N/A | N/A | N/A | N/A |
ROE
9.6%
ROA
1.3%
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 | 9.59% |
| 2026-03-31 | 9.24% |
| 2025-12-31 | 8.50% |
| 2025-09-30 | 8.78% |
| 2025-06-30 | 9.76% |
| 2025-03-31 | 8.93% |
| 2024-12-31 | 8.16% |
| 2024-09-30 | 7.97% |
| 2024-06-30 | 8.95% |
| 2024-03-31 | 9.86% |
| 2023-12-31 | 11.55% |
| 2023-09-30 | 13.66% |
| 2023-06-30 | 13.20% |
| 2023-03-31 | 12.61% |
| 2022-12-31 | 11.78% |
| 2022-09-30 | 12.64% |
| 2022-06-30 | 12.18% |
| 2022-03-31 | 11.67% |
| 2021-12-31 | 11.41% |
| 2021-09-30 | 11.40% |
| 2021-06-30 | 10.72% |
| 2021-03-31 | 10.03% |
| 2020-12-31 | 9.19% |
| 2020-09-30 | 8.73% |
| 2020-06-30 | 8.88% |
| 2020-03-31 | 9.76% |
| 2019-12-31 | 10.26% |
| 2019-09-30 | 10.21% |
| 2019-06-30 | 6.93% |
| 2019-03-31 | 5.39% |
| 2018-12-31 | 4.73% |
| 2018-09-30 | 3.65% |
| 2018-06-30 | 9.29% |
| 2018-03-31 | 9.69% |
| 2017-12-31 | 8.60% |
| 2017-09-30 | 8.53% |
| 2017-06-30 | 8.69% |
| 2017-03-31 | 9.80% |
| 2016-12-31 | 12.51% |
| 2016-09-30 | 12.14% |
| 2016-06-30 | 12.01% |
| 2016-03-31 | 10.95% |
| 2015-12-31 | 10.18% |
| 2015-09-30 | 9.58% |
| 2015-06-30 | 9.06% |
| 2015-03-31 | 8.40% |
| 2014-12-31 | 8.22% |
| 2014-09-30 | 7.16% |
| 2014-06-30 | 6.64% |
| 2014-03-31 | 6.42% |
| 2013-12-31 | 4.81% |
| 2013-09-30 | 6.90% |
| 2013-06-30 | 6.77% |
| 2013-03-31 | 5.90% |
| 2012-12-31 | 5.37% |
| 2012-09-30 | 4.86% |
| 2012-06-30 | 4.72% |
| 2012-03-31 | 4.35% |
| 2011-12-31 | 3.86% |
| 2011-09-30 | 2.75% |
| 2011-06-30 | 0.23% |
| 2011-03-31 | -0.56% |
| 2010-12-31 | -1.31% |
| 2010-09-30 | -1.60% |
| 2010-06-30 | 0.30% |
| 2010-03-31 | 0.94% |
| 2009-12-31 | 1.68% |
| 2009-09-30 | -39.90% |
| 2009-06-30 | -39.79% |
| 2009-03-31 | -39.74% |
| 2008-12-31 | -50.88% |
| 2008-09-30 | 3.95% |
| 2008-06-30 | 4.16% |
| 2008-03-31 | 5.57% |
| 2007-12-31 | 5.46% |
| 2007-09-30 | 8.20% |
| 2007-06-30 | 8.04% |
| 2007-03-31 | 7.63% |
| 2006-12-31 | 7.75% |
| 2006-09-30 | 8.37% |
| 2006-06-30 | 8.76% |
| 2006-03-31 | 8.43% |
| 2005-12-31 | 7.64% |
| 2005-09-30 | 6.50% |
| 2005-06-30 | 6.22% |
| 2005-03-31 | 6.15% |
| 2004-12-31 | 5.46% |
| 2004-09-30 | 6.91% |
| 2004-06-30 | 6.76% |
| 2004-03-31 | 7.08% |
| 2003-12-31 | 8.05% |
| 2003-09-30 | 9.19% |
| 2003-06-30 | 10.15% |
