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 1.27% is 17% above its 5-year average of 1.09%, near the high end of its 5-year range (0.77%–1.35%).
38.04% above its 12-month average of 0.92%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.33%.
RETURN ON ASSETS (ROA)
1.27%
RETURN ON ASSETS (ROA) AVG TTM
0.92%
RETURN ON ASSETS (ROA) AVG 3Y
1.01%
RETURN ON ASSETS (ROA) AVG 5Y
1.09%
RETURN ON ASSETS (ROA) AVG 10Y
1.08%
RETURN ON ASSETS (ROA) AVG 15Y
0.94%
RETURN ON ASSETS (ROA) AVG 20Y
0.82%
CURRENT VS TTM AVG
+38.04%
CURRENT VS 3Y AVG
+26.05%
CURRENT VS 5Y AVG
+16.51%
CURRENT VS 10Y AVG
+17.10%
CURRENT VS 15Y AVG
+35.11%
CURRENT VS 20Y AVG
+54.31%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 409 covered companies
CURRENT VS SECTOR MEDIAN
+3.25%
vs the sector median at left
Civista Bancshares, Inc.
Market Cap
$557.41M
Return on Assets (ROA)
1.27%
TTM Avg
0.92%
3Y Avg
1.01%
5Y Avg
1.09%
Market Cap
$556.35M
Return on Assets (ROA)
N/A
TTM Avg
-0.49%
3Y Avg
-1.60%
5Y Avg
-1.28%
Market Cap
$559.63M
Return on Assets (ROA)
0.72%
TTM Avg
0.63%
3Y Avg
0.85%
5Y Avg
0.93%
Market Cap
$560.26M
Return on Assets (ROA)
1.05%
TTM Avg
0.75%
3Y Avg
0.90%
5Y Avg
0.97%
Market Cap
$567.90M
Return on Assets (ROA)
2.86%
TTM Avg
2.75%
3Y Avg
1.40%
5Y Avg
1.53%
Market Cap
$569.67M
Return on Assets (ROA)
1.05%
TTM Avg
0.75%
3Y Avg
0.90%
5Y Avg
0.97%
Market Cap
$537.75M
Return on Assets (ROA)
-23.57%
TTM Avg
-0.79%
3Y Avg
-28.45%
5Y Avg
-20.01%
Market Cap
$582.80M
Return on Assets (ROA)
-34.41%
TTM Avg
-21.15%
3Y Avg
-22.90%
5Y Avg
-22.90%
Market Cap
$530.89M
Return on Assets (ROA)
2.19%
TTM Avg
2.41%
3Y Avg
2.07%
5Y Avg
1.98%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Civista Bancshares, Inc. (CIVB) | $557.41M | 1.27% | 0.92% | 1.01% | 1.09% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $556.35M | N/A | -0.49% | -1.60% | -1.28% |
| Community West Bancshares (CWBC)vs › | $559.63M | 0.72% | 0.63% | 0.85% | 0.93% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.26M | 1.05% | 0.75% | 0.90% | 0.97% |
| Donegal Group Inc. (DGICB)vs › | $567.90M | 2.86% | 2.75% | 1.40% | 1.53% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $569.67M | 1.05% | 0.75% | 0.90% | 0.97% |
| Bit Digital, Inc. (BTBT)vs › | $537.75M | -23.57% | -0.79% | -28.45% | -20.01% |
| Gemini Space Station, Inc. (GEMI)vs › | $582.80M | -34.41% | -21.15% | -22.90% | -22.90% |
| Bank7 Corp. (BSVN)vs › | $530.89M | 2.19% | 2.41% | 2.07% | 1.98% |
| Greene County Bancorp, Inc. (GCBC)vs › | $584.49M | 1.29% | 1.16% | 1.08% | 1.09% |
ROA
1.3%
ROE
9.6%
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 | 1.07% |
| 2024-12-31 | 0.77% |
| 2023-12-31 | 1.11% |
| 2022-12-31 | 1.08% |
| 2021-12-31 | 1.35% |
| 2020-12-31 | 1.16% |
| 2019-12-31 | 1.47% |
| 2018-12-31 | 0.66% |
| 2017-12-31 | 1.04% |
| 2016-12-31 | 1.25% |
| 2015-12-31 | 0.97% |
| 2014-12-31 | 0.79% |
| 2013-12-31 | 0.53% |
| 2012-12-31 | 0.49% |
| 2011-12-31 | 0.36% |
| 2010-12-31 | -0.12% |
| 2009-12-31 | 0.15% |
| 2008-12-31 | -3.70% |
| 2007-12-31 | 0.62% |
| 2006-12-31 | 0.82% |
| 2005-12-31 | 0.89% |
| 2004-12-31 | 0.59% |
| 2003-12-31 | 0.87% |
| 2002-12-31 | 1.09% |
| 2001-12-31 | 1.09% |
| 2000-12-31 | 1.16% |
| 1999-12-31 | 1.28% |
| 1998-12-31 | 1.13% |
| 1997-12-31 | 1.05% |
| 1996-12-31 | 1.31% |
