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 1.14% is 14% above its 5-year average of 1.00%, near the high end of its 5-year range (0.69%–1.24%).
35.71% above its 12-month average of 0.84%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.24%.
RETURN ON ASSETS (ROA)
1.14%
RETURN ON ASSETS (ROA) AVG TTM
0.84%
RETURN ON ASSETS (ROA) AVG 3Y
0.91%
RETURN ON ASSETS (ROA) AVG 5Y
1.00%
RETURN ON ASSETS (ROA) AVG 10Y
1.04%
RETURN ON ASSETS (ROA) AVG 15Y
1.11%
RETURN ON ASSETS (ROA) AVG 20Y
1.12%
CURRENT VS TTM AVG
+35.71%
CURRENT VS 3Y AVG
+25.62%
CURRENT VS 5Y AVG
+14.38%
CURRENT VS 10Y AVG
+9.42%
CURRENT VS 15Y AVG
+3.10%
CURRENT VS 20Y AVG
+1.59%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 430 covered companies
CURRENT VS SECTOR MEDIAN
-7.32%
vs the sector median at left
Arrow Financial Corporation
Market Cap
$621.00M
Return on Assets (ROA)
1.14%
TTM Avg
0.84%
3Y Avg
0.91%
5Y Avg
1.00%
Market Cap
$618.83M
Return on Assets (ROA)
12.67%
TTM Avg
10.23%
3Y Avg
8.55%
5Y Avg
9.10%
Market Cap
$618.84M
Return on Assets (ROA)
1.46%
TTM Avg
0.92%
3Y Avg
0.83%
5Y Avg
1.18%
Market Cap
$624.44M
Return on Assets (ROA)
-0.07%
TTM Avg
1.04%
3Y Avg
1.14%
5Y Avg
1.07%
Market Cap
$630.67M
Return on Assets (ROA)
4.33%
TTM Avg
2.77%
3Y Avg
2.91%
5Y Avg
3.61%
Market Cap
$641.96M
Return on Assets (ROA)
4.83%
TTM Avg
4.90%
3Y Avg
4.13%
5Y Avg
2.17%
Market Cap
$639.48M
Return on Assets (ROA)
-14.89%
TTM Avg
13.24%
3Y Avg
-74.68%
5Y Avg
-62.64%
Market Cap
$598.14M
Return on Assets (ROA)
-182.84%
TTM Avg
-12.27%
3Y Avg
-13.15%
5Y Avg
-9.85%
Market Cap
$635.18M
Return on Assets (ROA)
1.64%
TTM Avg
2.27%
3Y Avg
14.29%
5Y Avg
-0.62%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Arrow Financial Corporation (AROW) | $621.00M | 1.14% | 0.84% | 0.91% | 1.00% |
| Gladstone Investment Corp. (GAIN)vs › | $618.83M | 12.67% | 10.23% | 8.55% | 9.10% |
| Hingham Institution for Savings (HIFS)vs › | $618.84M | 1.46% | 0.92% | 0.83% | 1.18% |
| Coastal Financial Corporation (CCB)vs › | $624.44M | -0.07% | 1.04% | 1.14% | 1.07% |
| Hypoport SE (HYPOF)vs › | $630.67M | 4.33% | 2.77% | 2.91% | 3.61% |
| BlackRock Multi-Sector Income Trust (BIT)vs › | $641.96M | 4.83% | 4.90% | 4.13% | 2.17% |
| American Bitcoin Corp (ABTC)vs › | $639.48M | -14.89% | 13.24% | -74.68% | -62.64% |
| Forward Industries, Inc. (FWDI)vs › | $598.14M | -182.84% | -12.27% | -13.15% | -9.85% |
| CoinShares PLC Ordinary Shares (CSHR)vs › | $635.18M | 1.64% | 2.27% | 14.29% | -0.62% |
| Chaince Digital Holdings Inc. (CD)vs › | $595.03M | N/A | -11.82% | -21.06% | -52.88% |
ROA
1.1%
ROE
11.5%
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 | 0.99% |
| 2024-12-31 | 0.69% |
| 2023-12-31 | 0.72% |
| 2022-12-31 | 1.23% |
| 2021-12-31 | 1.24% |
| 2020-12-31 | 1.11% |
| 2019-12-31 | 1.18% |
| 2018-12-31 | 1.21% |
| 2017-12-31 | 1.06% |
| 2016-12-31 | 1.02% |
| 2015-12-31 | 1.01% |
| 2014-12-31 | 1.05% |
| 2013-12-31 | 1.01% |
| 2012-12-31 | 1.10% |
| 2011-12-31 | 1.12% |
| 2010-12-31 | 1.15% |
| 2009-12-31 | 1.18% |
| 2008-12-31 | 1.23% |
| 2007-12-31 | 1.09% |
| 2006-12-31 | 1.11% |
| 2005-12-31 | 1.23% |
| 2004-12-31 | 1.41% |
| 2003-12-31 | 1.38% |
| 2002-12-31 | 1.49% |
| 2001-12-31 | 1.37% |
| 2000-12-31 | 1.27% |
| 1999-12-31 | 1.29% |
| 1998-12-31 | 1.26% |
| 1997-12-31 | 1.32% |
| 1996-12-31 | 3.11% |
