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 7.02% is 14% below its 5-year average of 8.18%, around the middle of its 5-year range (4.30%–12.08%).
As of the fiscal period ended Tuesday, June 30, 2026. 7.17% above its 12-month average of 6.55%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 7.02%.
RETURN ON EQUITY (ROE)
7.02%
RETURN ON EQUITY (ROE) AVG TTM
6.55%
RETURN ON EQUITY (ROE) AVG 3Y
6.29%
RETURN ON EQUITY (ROE) AVG 5Y
8.18%
RETURN ON EQUITY (ROE) AVG 10Y
7.64%
RETURN ON EQUITY (ROE) AVG 15Y
6.98%
RETURN ON EQUITY (ROE) AVG 20Y
7.17%
CURRENT VS TTM AVG
+7.17%
CURRENT VS 3Y AVG
+11.59%
CURRENT VS 5Y AVG
-14.19%
CURRENT VS 10Y AVG
-8.15%
CURRENT VS 15Y AVG
+0.63%
CURRENT VS 20Y AVG
-2.16%
SECTOR MEDIAN · FINANCIAL SERVICES
8.76%
median of 677 covered companies
CURRENT VS SECTOR MEDIAN
-19.86%
vs the sector median at left
Heritage Financial Corporation
Market Cap
$1.14B
Return on Equity (ROE)
7.02%
TTM Avg
6.55%
3Y Avg
6.29%
5Y Avg
8.18%
Market Cap
$1.14B
Return on Equity (ROE)
10.31%
TTM Avg
9.09%
3Y Avg
9.18%
5Y Avg
9.22%
Market Cap
$1.07B
Return on Equity (ROE)
5.67%
TTM Avg
1.04%
3Y Avg
-6.82%
5Y Avg
-6.61%
Market Cap
$1.07B
Return on Equity (ROE)
16.20%
TTM Avg
19.27%
3Y Avg
20.53%
5Y Avg
16.82%
Market Cap
$1.22B
Return on Equity (ROE)
32.55%
TTM Avg
33.50%
3Y Avg
35.86%
5Y Avg
35.86%
Market Cap
$1.23B
Return on Equity (ROE)
17.07%
TTM Avg
17.02%
3Y Avg
19.02%
5Y Avg
17.59%
Market Cap
$1.05B
Return on Equity (ROE)
N/A
TTM Avg
5.08%
3Y Avg
2.03%
5Y Avg
3.21%
Market Cap
$1.05B
Return on Equity (ROE)
15.20%
TTM Avg
12.66%
3Y Avg
14.94%
5Y Avg
17.45%
Market Cap
$1.04B
Return on Equity (ROE)
17.80%
TTM Avg
17.34%
3Y Avg
16.26%
5Y Avg
18.80%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Heritage Financial Corporation (HFWA) | $1.14B | 7.02% | 6.55% | 6.29% | 8.18% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 10.31% | 9.09% | 9.18% | 9.22% |
| Trupanion, Inc. (TRUP)vs › | $1.07B | 5.67% | 1.04% | -6.82% | -6.61% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 16.20% | 19.27% | 20.53% | 16.82% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 32.55% | 33.50% | 35.86% | 35.86% |
| Preferred Bank (PFBC)vs › | $1.23B | 17.07% | 17.02% | 19.02% | 17.59% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 5.08% | 2.03% | 3.21% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 15.20% | 12.66% | 14.94% | 17.45% |
| Northeast Bank (NBN)vs › | $1.04B | 17.80% | 17.34% | 16.26% | 18.80% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 3.05% | 3.10% | 4.07% | 6.44% |
ROE
7.0%
ROA
0.9%
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 | 7.02% |
| 2026-03-31 | 6.50% |
| 2025-12-31 | 7.33% |
| 2025-09-30 | 6.33% |
| 2025-06-30 | 5.57% |
| 2025-03-31 | 5.83% |
| 2024-12-31 | 5.01% |
| 2024-09-30 | 4.30% |
| 2024-06-30 | 5.22% |
| 2024-03-31 | 5.55% |
| 2023-12-31 | 7.24% |
| 2023-09-30 | 9.60% |
| 2023-06-30 | 9.86% |
| 2023-03-31 | 10.00% |
| 2022-12-31 | 10.26% |
| 2022-09-30 | 10.14% |
| 2022-06-30 | 9.73% |
| 2022-03-31 | 11.25% |
| 2021-12-31 | 11.47% |
| 2021-09-30 | 12.08% |
| 2021-06-30 | 11.51% |
| 2021-03-31 | 7.22% |
| 2020-12-31 | 5.68% |
| 2020-09-30 | 4.96% |
| 2020-06-30 | 5.18% |
| 2020-03-31 | 7.91% |
| 2019-12-31 | 8.35% |
| 2019-09-30 | 8.34% |
| 2019-06-30 | 8.12% |
| 2019-03-31 | 7.78% |
| 2018-12-31 | 6.97% |
| 2018-09-30 | 6.23% |
| 2018-06-30 | 6.50% |
| 2018-03-31 | 6.55% |
| 2017-12-31 | 8.22% |
| 2017-09-30 | 8.21% |
| 2017-06-30 | 8.41% |
| 2017-03-31 | 8.00% |
| 2016-12-31 | 8.08% |
| 2016-09-30 | 7.77% |
| 2016-06-30 | 7.54% |
| 2016-03-31 | 7.66% |
| 2015-12-31 | 7.98% |
| 2015-09-30 | 7.52% |
| 2015-06-30 | 7.15% |
| 2015-03-31 | 6.11% |
| 2014-12-31 | 4.62% |
| 2014-09-30 | 3.20% |
| 2014-06-30 | 2.38% |
| 2014-03-31 | 4.27% |
| 2013-12-31 | 4.44% |
| 2013-09-30 | 5.49% |
| 2013-06-30 | 5.72% |
| 2013-03-31 | 5.97% |
| 2012-12-31 | 6.67% |
| 2012-09-30 | 6.16% |
| 2012-06-30 | 5.71% |
| 2012-03-31 | 4.82% |
| 2011-12-31 | 3.22% |
| 2011-09-30 | 6.81% |
| 2011-06-30 | 6.93% |
| 2011-03-31 | 6.60% |
| 2010-12-31 | 6.60% |
| 2010-09-30 | 2.68% |
| 2010-06-30 | 1.64% |
| 2010-03-31 | 1.17% |
| 2009-12-31 | 0.37% |
| 2009-09-30 | -0.24% |
| 2009-06-30 | 1.24% |
| 2009-03-31 | 2.77% |
| 2008-12-31 | 5.61% |
| 2008-09-30 | 10.49% |
| 2008-06-30 | 11.65% |
| 2008-03-31 | 12.67% |
| 2007-12-31 | 12.60% |
| 2007-09-30 | 12.60% |
| 2007-06-30 | 12.81% |
| 2007-03-31 | 12.92% |
| 2006-12-31 | 13.41% |
| 2006-09-30 | 13.80% |
| 2006-06-30 | 13.96% |
| 2006-03-31 | 15.40% |
| 2005-12-31 | 15.84% |
| 2005-09-30 | 16.14% |
| 2005-06-30 | 15.98% |
| 2005-03-31 | 15.93% |
| 2004-12-31 | 15.73% |
| 2004-09-30 | 15.54% |
| 2004-06-30 | 16.07% |
| 2004-03-31 | 15.28% |
| 2003-12-31 | 14.31% |
| 2003-09-30 | 14.16% |
| 2003-06-30 | 14.13% |
