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 -19.83% is 315% below its 5-year average of 9.21%, near the low end of its 5-year range (-28.49%–14.52%).
As of the fiscal period ended Tuesday, June 30, 2026. 16.86% below its 12-month average of -16.97%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): -19.83%.
RETURN ON EQUITY (ROE)
-19.83%
RETURN ON EQUITY (ROE) AVG TTM
-16.97%
RETURN ON EQUITY (ROE) AVG 3Y
-3.04%
RETURN ON EQUITY (ROE) AVG 5Y
9.21%
RETURN ON EQUITY (ROE) AVG 10Y
9.08%
RETURN ON EQUITY (ROE) AVG 15Y
9.58%
RETURN ON EQUITY (ROE) AVG 20Y
9.77%
CURRENT VS TTM AVG
-16.86%
CURRENT VS 3Y AVG
-553.32%
CURRENT VS 5Y AVG
-315.29%
CURRENT VS 10Y AVG
-318.46%
CURRENT VS 15Y AVG
-307.05%
CURRENT VS 20Y AVG
-302.94%
SECTOR MEDIAN · FINANCIAL SERVICES
9.22%
median of 533 covered companies
CURRENT VS SECTOR MEDIAN
-315.06%
vs the sector median at left
Horizon Bancorp, Inc.
Market Cap
$998.06M
Return on Equity (ROE)
-19.83%
TTM Avg
-16.97%
3Y Avg
-3.04%
5Y Avg
9.21%
Market Cap
$1.01B
Return on Equity (ROE)
14.09%
TTM Avg
13.96%
3Y Avg
14.85%
5Y Avg
15.92%
Market Cap
$1.01B
Return on Equity (ROE)
10.56%
TTM Avg
8.26%
3Y Avg
9.65%
5Y Avg
9.91%
Market Cap
$1.01B
Return on Equity (ROE)
9.22%
TTM Avg
8.97%
3Y Avg
9.58%
5Y Avg
9.61%
Market Cap
$1.02B
Return on Equity (ROE)
1.99%
TTM Avg
5.07%
3Y Avg
6.42%
5Y Avg
6.20%
Market Cap
$1.02B
Return on Equity (ROE)
10.56%
TTM Avg
8.26%
3Y Avg
9.65%
5Y Avg
9.91%
Market Cap
$1.02B
Return on Equity (ROE)
16.81%
TTM Avg
17.98%
3Y Avg
18.66%
5Y Avg
16.19%
Market Cap
$1.02B
Return on Equity (ROE)
12.61%
TTM Avg
12.93%
3Y Avg
13.86%
5Y Avg
13.06%
Market Cap
$964.48M
Return on Equity (ROE)
12.21%
TTM Avg
9.66%
3Y Avg
10.42%
5Y Avg
10.95%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Horizon Bancorp, Inc. (HBNC) | $998.06M | -19.83% | -16.97% | -3.04% | 9.21% |
| MetroCity Bankshares, Inc. (MCBS)vs › | $1.01B | 14.09% | 13.96% | 14.85% | 15.92% |
| CNB Financial Corporation (CCNE)vs › | $1.01B | 10.56% | 8.26% | 9.65% | 9.91% |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 9.22% | 8.97% | 9.58% | 9.61% |
| OceanFirst Financial Corp. (OCFC)vs › | $1.02B | 1.99% | 5.07% | 6.42% | 6.20% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 10.56% | 8.26% | 9.65% | 9.91% |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.02B | 16.81% | 17.98% | 18.66% | 16.19% |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 12.61% | 12.93% | 13.86% | 13.06% |
| Camden National Corp. (CAC)vs › | $964.48M | 12.21% | 9.66% | 10.42% | 10.95% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.04B | 3.05% | 3.10% | 4.07% | 6.44% |
ROE
-19.8%
ROA
-2.2%
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 | -19.83% |
| 2026-03-31 | -21.21% |
| 2025-12-31 | -21.86% |
| 2025-09-30 | -28.49% |
| 2025-06-30 | 6.56% |
| 2025-03-31 | 5.85% |
| 2024-12-31 | 4.64% |
| 2024-09-30 | 2.79% |
| 2024-06-30 | 2.63% |
| 2024-03-31 | 3.29% |
| 2023-12-31 | 3.89% |
| 2023-09-30 | 10.72% |
| 2023-06-30 | 11.56% |
| 2023-03-31 | 12.54% |
| 2022-12-31 | 13.79% |
| 2022-09-30 | 14.52% |
| 2022-06-30 | 14.12% |
| 2022-03-31 | 13.32% |
| 2021-12-31 | 12.04% |
| 2021-09-30 | 12.36% |
| 2021-06-30 | 11.94% |
| 2021-03-31 | 11.21% |
| 2020-12-31 | 9.90% |
| 2020-09-30 | 9.72% |
| 2020-06-30 | 10.02% |
| 2020-03-31 | 10.68% |
| 2019-12-31 | 10.14% |
| 2019-09-30 | 9.51% |
| 2019-06-30 | 8.56% |
| 2019-03-31 | 8.39% |
| 2018-12-31 | 10.80% |
| 2018-09-30 | 9.97% |
| 2018-06-30 | 9.08% |
| 2018-03-31 | 8.19% |
| 2017-12-31 | 7.25% |
| 2017-09-30 | 7.92% |
| 2017-06-30 | 8.26% |
| 2017-03-31 | 7.68% |
| 2016-12-31 | 7.02% |
| 2016-09-30 | 7.09% |
| 2016-06-30 | 7.89% |
| 2016-03-31 | 7.87% |
| 2015-12-31 | 7.70% |
| 2015-09-30 | 7.30% |
| 2015-06-30 | 9.89% |
| 2015-03-31 | 10.05% |
| 2014-12-31 | 9.31% |
| 2014-09-30 | 9.10% |
| 2014-06-30 | 9.13% |
| 2014-03-31 | 10.59% |
| 2013-12-31 | 12.07% |
| 2013-09-30 | 12.81% |
| 2013-06-30 | 13.11% |
| 2013-03-31 | 12.47% |
| 2012-12-31 | 12.29% |
| 2012-09-30 | 11.48% |
| 2012-06-30 | 12.60% |
| 2012-03-31 | 11.60% |
| 2011-12-31 | 10.54% |
| 2011-09-30 | 10.23% |
| 2011-06-30 | 9.88% |
| 2011-03-31 | 9.85% |
| 2010-12-31 | 9.31% |
| 2010-09-30 | 8.05% |
| 2010-06-30 | 7.51% |
| 2010-03-31 | 7.17% |
| 2009-12-31 | 7.98% |
| 2009-09-30 | 8.06% |
| 2009-06-30 | 7.61% |
| 2009-03-31 | 8.53% |
| 2008-12-31 | 8.68% |
| 2008-09-30 | 11.80% |
| 2008-06-30 | 13.31% |
| 2008-03-31 | 11.82% |
| 2007-12-31 | 11.52% |
| 2007-09-30 | 12.36% |
| 2007-06-30 | 12.76% |
| 2007-03-31 | 12.22% |
| 2006-12-31 | 12.09% |
| 2006-09-30 | 12.32% |
| 2006-06-30 | 13.53% |
| 2006-03-31 | 13.14% |
| 2005-12-31 | 13.25% |
| 2005-09-30 | 12.67% |
| 2005-06-30 | 12.49% |
| 2005-03-31 | 13.54% |
| 2004-12-31 | 13.75% |
| 2004-09-30 | 12.22% |
| 2004-06-30 | 14.03% |
| 2004-03-31 | 12.88% |
| 2003-12-31 | 14.14% |
| 2003-09-30 | 16.27% |
| 2003-06-30 | 15.13% |
