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 1.21% is 12% above its 5-year average of 1.08%, near the high end of its 5-year range (0.93%–1.28%).
8.52% above its 12-month average of 1.12%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.27%.
RETURN ON ASSETS (ROA)
1.21%
RETURN ON ASSETS (ROA) AVG TTM
1.12%
RETURN ON ASSETS (ROA) AVG 3Y
1.02%
RETURN ON ASSETS (ROA) AVG 5Y
1.08%
RETURN ON ASSETS (ROA) AVG 10Y
1.07%
RETURN ON ASSETS (ROA) AVG 15Y
0.96%
RETURN ON ASSETS (ROA) AVG 20Y
1.01%
CURRENT VS TTM AVG
+8.52%
CURRENT VS 3Y AVG
+18.34%
CURRENT VS 5Y AVG
+12.21%
CURRENT VS 10Y AVG
+13.37%
CURRENT VS 15Y AVG
+26.21%
CURRENT VS 20Y AVG
+20.16%
SECTOR MEDIAN · FINANCIAL SERVICES
1.21%
median of 562 covered companies
CURRENT VS SECTOR MEDIAN
-0.41%
vs the sector median at left
Sierra Bancorp
Market Cap
$520.55M
Return on Assets (ROA)
1.21%
TTM Avg
1.12%
3Y Avg
1.02%
5Y Avg
1.08%
Market Cap
$517.05M
Return on Assets (ROA)
-31.75%
TTM Avg
0.09%
3Y Avg
0.09%
5Y Avg
0.09%
Market Cap
$530.22M
Return on Assets (ROA)
1.23%
TTM Avg
0.68%
3Y Avg
0.91%
5Y Avg
0.83%
Market Cap
$531.98M
Return on Assets (ROA)
1.30%
TTM Avg
1.19%
3Y Avg
1.16%
5Y Avg
1.21%
Market Cap
$534.99M
Return on Assets (ROA)
2.19%
TTM Avg
2.41%
3Y Avg
2.07%
5Y Avg
1.98%
Market Cap
$507.62M
Return on Assets (ROA)
1.69%
TTM Avg
1.33%
3Y Avg
1.23%
5Y Avg
1.10%
Market Cap
$536.21M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$497.10M
Return on Assets (ROA)
1.65%
TTM Avg
1.54%
3Y Avg
1.57%
5Y Avg
1.42%
Market Cap
$496.43M
Return on Assets (ROA)
1.23%
TTM Avg
0.81%
3Y Avg
0.86%
5Y Avg
0.86%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Sierra Bancorp (BSRR) | $520.55M | 1.21% | 1.12% | 1.02% | 1.08% |
| Churchill Capital Corp XI (CCXI)vs › | $517.05M | -31.75% | 0.09% | 0.09% | 0.09% |
| Bankwell Financial Group, Inc. (BWFG)vs › | $530.22M | 1.23% | 0.68% | 0.91% | 0.83% |
| Home Bancorp, Inc. (HBCP)vs › | $531.98M | 1.30% | 1.19% | 1.16% | 1.21% |
| Bank7 Corp. (BSVN)vs › | $534.99M | 2.19% | 2.41% | 2.07% | 1.98% |
| Orange County Bancorp, Inc. (OBT)vs › | $507.62M | 1.69% | 1.33% | 1.23% | 1.10% |
| Powerlaw Corp. Common Stock (PWRL)vs › | $536.21M | N/A | N/A | N/A | N/A |
| Private Bancorp of America, Inc. (PBAM)vs › | $497.10M | 1.65% | 1.54% | 1.57% | 1.42% |
| ChoiceOne Financial Services, Inc. (COFS)vs › | $496.43M | 1.23% | 0.81% | 0.86% | 0.86% |
| Bit Digital, Inc. (BTBT)vs › | $544.74M | -23.57% | -0.79% | -28.45% | -20.01% |
ROA
1.2%
ROE
12.3%
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 | 1.11% |
| 2024-12-31 | 1.12% |
| 2023-12-31 | 0.93% |
| 2022-12-31 | 0.93% |
| 2021-12-31 | 1.28% |
| 2020-12-31 | 1.10% |
| 2019-12-31 | 1.39% |
| 2018-12-31 | 1.18% |
| 2017-12-31 | 0.83% |
| 2016-12-31 | 0.86% |
| 2015-12-31 | 1.01% |
| 2014-12-31 | 0.93% |
| 2013-12-31 | 0.95% |
| 2012-12-31 | 0.57% |
| 2011-12-31 | 0.58% |
| 2010-12-31 | 0.57% |
| 2009-12-31 | 0.67% |
| 2008-12-31 | 1.01% |
| 2007-12-31 | 1.70% |
| 2006-12-31 | 1.58% |
| 2005-12-31 | 1.54% |
| 2004-12-31 | 1.34% |
| 2003-12-31 | 1.29% |
| 2002-12-31 | 1.26% |
| 2001-12-31 | 1.06% |
| 2000-12-31 | 0.90% |
| 1999-12-31 | 1.22% |
| 1998-12-31 | 1.29% |
