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 -2.19% is 760% below its 5-year average of 0.33%, near the low end of its 5-year range (-2.34%–1.19%).
131.75% below its 12-month average of -0.94%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.38%.
RETURN ON ASSETS (ROA)
-2.19%
RETURN ON ASSETS (ROA) AVG TTM
-0.94%
RETURN ON ASSETS (ROA) AVG 3Y
-0.09%
RETURN ON ASSETS (ROA) AVG 5Y
0.33%
RETURN ON ASSETS (ROA) AVG 10Y
0.63%
RETURN ON ASSETS (ROA) AVG 15Y
0.92%
RETURN ON ASSETS (ROA) AVG 20Y
0.86%
CURRENT VS TTM AVG
-131.75%
CURRENT VS 3Y AVG
-2402.86%
CURRENT VS 5Y AVG
-760.30%
CURRENT VS 10Y AVG
-450.15%
CURRENT VS 15Y AVG
-337.01%
CURRENT VS 20Y AVG
-356.14%
SECTOR MEDIAN · FINANCIAL SERVICES
1.22%
median of 575 covered companies
CURRENT VS SECTOR MEDIAN
-279.51%
vs the sector median at left
Horizon Bancorp, Inc.
Market Cap
$997.59M
Return on Assets (ROA)
-2.19%
TTM Avg
-0.94%
3Y Avg
-0.09%
5Y Avg
0.33%
Market Cap
$1.01B
Return on Assets (ROA)
1.77%
TTM Avg
1.61%
3Y Avg
1.63%
5Y Avg
1.74%
Market Cap
$1.01B
Return on Assets (ROA)
1.14%
TTM Avg
0.83%
3Y Avg
0.96%
5Y Avg
0.93%
Market Cap
$1.01B
Return on Assets (ROA)
1.04%
TTM Avg
0.95%
3Y Avg
0.97%
5Y Avg
0.95%
Market Cap
$1.02B
Return on Assets (ROA)
0.21%
TTM Avg
0.62%
3Y Avg
0.78%
5Y Avg
0.77%
Market Cap
$1.02B
Return on Assets (ROA)
1.14%
TTM Avg
0.83%
3Y Avg
0.96%
5Y Avg
0.93%
Market Cap
$1.02B
Return on Assets (ROA)
2.10%
TTM Avg
2.23%
3Y Avg
2.26%
5Y Avg
1.99%
Market Cap
$1.02B
Return on Assets (ROA)
1.40%
TTM Avg
1.31%
3Y Avg
1.35%
5Y Avg
1.25%
Market Cap
$962.11M
Return on Assets (ROA)
1.28%
TTM Avg
0.92%
3Y Avg
0.92%
5Y Avg
1.02%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Horizon Bancorp, Inc. (HBNC) | $997.59M | -2.19% | -0.94% | -0.09% | 0.33% |
| MetroCity Bankshares, Inc. (MCBS)vs › | $1.01B | 1.77% | 1.61% | 1.63% | 1.74% |
| CNB Financial Corporation (CCNE)vs › | $1.01B | 1.14% | 0.83% | 0.96% | 0.93% |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 1.04% | 0.95% | 0.97% | 0.95% |
| OceanFirst Financial Corp. (OCFC)vs › | $1.02B | 0.21% | 0.62% | 0.78% | 0.77% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 1.14% | 0.83% | 0.96% | 0.93% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.02B | 2.10% | 2.23% | 2.26% | 1.99% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 1.40% | 1.31% | 1.35% | 1.25% |
| Camden National Corp. (CAC)vs › | $962.11M | 1.28% | 0.92% | 0.92% | 1.02% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.04B | 1.48% | 1.47% | 1.92% | 3.18% |
ROA
-2.2%
ROE
-19.8%
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 | -2.34% |
| 2024-12-31 | 0.45% |
| 2023-12-31 | 0.35% |
| 2022-12-31 | 1.19% |
| 2021-12-31 | 1.18% |
| 2020-12-31 | 1.16% |
| 2019-12-31 | 1.27% |
| 2018-12-31 | 1.25% |
| 2017-12-31 | 0.84% |
| 2016-12-31 | 0.76% |
| 2015-12-31 | 0.77% |
| 2014-12-31 | 0.87% |
| 2013-12-31 | 1.13% |
| 2012-12-31 | 1.06% |
| 2011-12-31 | 0.83% |
| 2010-12-31 | 0.75% |
| 2009-12-31 | 0.66% |
| 2008-12-31 | 0.69% |
| 2007-12-31 | 0.65% |
| 2006-12-31 | 0.61% |
| 2005-12-31 | 0.63% |
| 2004-12-31 | 0.76% |
| 2003-12-31 | 0.86% |
| 2002-12-31 | 0.79% |
