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 1.04% is in line with its 5-year average of 1.05%, around the middle of its 5-year range (0.77%–1.27%).
19.54% above its 12-month average of 0.87%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.30%.
RETURN ON ASSETS (ROA)
1.04%
RETURN ON ASSETS (ROA) AVG TTM
0.87%
RETURN ON ASSETS (ROA) AVG 3Y
0.99%
RETURN ON ASSETS (ROA) AVG 5Y
1.05%
RETURN ON ASSETS (ROA) AVG 10Y
0.99%
RETURN ON ASSETS (ROA) AVG 15Y
1.05%
RETURN ON ASSETS (ROA) AVG 20Y
1.07%
CURRENT VS TTM AVG
+19.54%
CURRENT VS 3Y AVG
+5.05%
CURRENT VS 5Y AVG
-0.79%
CURRENT VS 10Y AVG
+5.24%
CURRENT VS 15Y AVG
-1.29%
CURRENT VS 20Y AVG
-2.76%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 503 covered companies
CURRENT VS SECTOR MEDIAN
-15.45%
vs the sector median at left
C&F Financial Corporation
Market Cap
$325.01M
Return on Assets (ROA)
1.04%
TTM Avg
0.87%
3Y Avg
0.99%
5Y Avg
1.05%
Market Cap
$325.09M
Return on Assets (ROA)
1.03%
TTM Avg
0.92%
3Y Avg
0.96%
5Y Avg
0.93%
Market Cap
$324.91M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$324.78M
Return on Assets (ROA)
2.94%
TTM Avg
-142.00%
3Y Avg
-142.00%
5Y Avg
-142.00%
Market Cap
$326.49M
Return on Assets (ROA)
1.02%
TTM Avg
0.84%
3Y Avg
0.82%
5Y Avg
0.90%
Market Cap
$324.00M
Return on Assets (ROA)
-0.08%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$323.62M
Return on Assets (ROA)
2.62%
TTM Avg
2.29%
3Y Avg
2.29%
5Y Avg
2.29%
Market Cap
$322.71M
Return on Assets (ROA)
2.06%
TTM Avg
2.33%
3Y Avg
2.80%
5Y Avg
3.86%
Market Cap
$321.57M
Return on Assets (ROA)
2.96%
TTM Avg
2.77%
3Y Avg
2.77%
5Y Avg
2.77%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| C&F Financial Corporation (CFFI) | $325.01M | 1.04% | 0.87% | 0.99% | 1.05% |
| Fidelity D & D Bancorp, Inc. (FDBC)vs › | $325.09M | 1.03% | 0.92% | 0.96% | 0.93% |
| B&R Technology Merger Corp. Class A (BRTM)vs › | $324.91M | N/A | N/A | N/A | N/A |
| New Providence Acquisition Corp. III (NPAC)vs › | $324.78M | 2.94% | -142.00% | -142.00% | -142.00% |
| John Marshall Bancorp, Inc. (JMSB)vs › | $326.49M | 1.02% | 0.84% | 0.82% | 0.90% |
| Evolution Global Acquisition Corp Class A Ordinary Shares (EVOX)vs › | $324.00M | -0.08% | 0.00% | 0.00% | 0.00% |
| Aldel Financial II Inc. (ALDF)vs › | $323.62M | 2.62% | 2.29% | 2.29% | 2.29% |
| NewtekOne, Inc. (NEWT)vs › | $322.71M | 2.06% | 2.33% | 2.80% | 3.86% |
| Launch One Acquisition Corp. (LPAA)vs › | $321.57M | 2.96% | 2.77% | 2.77% | 2.77% |
| Oxley Bridge Acquisition Limited (OBA)vs › | $328.74M | 4.87% | 0.86% | 0.86% | 0.86% |
ROA
1.0%
ROE
10.5%
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 | 0.97% |
| 2024-12-31 | 0.77% |
| 2023-12-31 | 0.97% |
| 2022-12-31 | 1.25% |
| 2021-12-31 | 1.27% |
| 2020-12-31 | 1.06% |
| 2019-12-31 | 1.14% |
| 2018-12-31 | 1.18% |
| 2017-12-31 | 0.44% |
| 2016-12-31 | 0.93% |
| 2015-12-31 | 0.89% |
| 2014-12-31 | 0.92% |
| 2013-12-31 | 1.10% |
| 2012-12-31 | 1.68% |
| 2011-12-31 | 1.40% |
| 2010-12-31 | 0.90% |
| 2009-12-31 | 0.62% |
| 2008-12-31 | 0.49% |
| 2007-12-31 | 1.08% |
| 2006-12-31 | 1.65% |
| 2005-12-31 | 1.75% |
| 2004-12-31 | 1.84% |
| 2003-12-31 | 2.25% |
| 2002-12-31 | 1.77% |
| 2001-12-31 | 1.98% |
| 2000-12-31 | 1.68% |
| 1999-12-31 | 2.07% |
| 1998-12-31 | 1.90% |
| 1997-12-31 | 1.76% |
| 1996-12-31 | 1.58% |
