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 0.99% is 43% below its 5-year average of 1.75%, near the low end of its 5-year range (0.94%–5.36%).
10.00% below its 12-month average of 1.10%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.28%.
RETURN ON ASSETS (ROA)
0.99%
RETURN ON ASSETS (ROA) AVG TTM
1.10%
RETURN ON ASSETS (ROA) AVG 3Y
2.14%
RETURN ON ASSETS (ROA) AVG 5Y
1.75%
RETURN ON ASSETS (ROA) AVG 10Y
1.37%
RETURN ON ASSETS (ROA) AVG 15Y
0.89%
RETURN ON ASSETS (ROA) AVG 20Y
0.84%
CURRENT VS TTM AVG
-10.00%
CURRENT VS 3Y AVG
-53.74%
CURRENT VS 5Y AVG
-43.32%
CURRENT VS 10Y AVG
-27.64%
CURRENT VS 15Y AVG
+10.66%
CURRENT VS 20Y AVG
+17.65%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-19.84%
vs the sector median at left
First Citizens BancShares, Inc.
Market Cap
$23.78B
Return on Assets (ROA)
0.99%
TTM Avg
1.10%
3Y Avg
2.14%
5Y Avg
1.75%
Market Cap
$23.49B
Return on Assets (ROA)
0.44%
TTM Avg
0.42%
3Y Avg
0.66%
5Y Avg
0.60%
Market Cap
$23.48B
Return on Assets (ROA)
2.89%
TTM Avg
2.96%
3Y Avg
2.68%
5Y Avg
2.76%
Market Cap
$23.08B
Return on Assets (ROA)
1.38%
TTM Avg
1.27%
3Y Avg
1.34%
5Y Avg
1.28%
Market Cap
$22.89B
Return on Assets (ROA)
10.87%
TTM Avg
8.41%
3Y Avg
6.73%
5Y Avg
5.61%
Market Cap
$22.63B
Return on Assets (ROA)
0.99%
TTM Avg
1.10%
3Y Avg
2.14%
5Y Avg
1.75%
Market Cap
$25.03B
Return on Assets (ROA)
7.72%
TTM Avg
6.06%
3Y Avg
4.03%
5Y Avg
5.00%
Market Cap
$25.08B
Return on Assets (ROA)
12.22%
TTM Avg
6.35%
3Y Avg
-1.21%
5Y Avg
-4.00%
Market Cap
$22.49B
Return on Assets (ROA)
0.58%
TTM Avg
0.13%
3Y Avg
-0.09%
5Y Avg
-0.24%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Citizens BancShares, Inc. (FCNCA) | $23.78B | 0.99% | 1.10% | 2.14% | 1.75% |
| Principal Financial Group, Inc. (PFG)vs › | $23.49B | 0.44% | 0.42% | 0.66% | 0.60% |
| Synchrony Financial (SYF)vs › | $23.48B | 2.89% | 2.96% | 2.68% | 2.76% |
| Regions Financial Corporation (RF)vs › | $23.08B | 1.38% | 1.27% | 1.34% | 1.28% |
| Tradeweb Markets Inc. (TW)vs › | $22.89B | 10.87% | 8.41% | 6.73% | 5.61% |
| First Citizens BancShares, Inc. (FCNCO)vs › | $22.63B | 0.99% | 1.10% | 2.14% | 1.75% |
| Cincinnati Financial Corporation (CINF)vs › | $25.03B | 7.72% | 6.06% | 4.03% | 5.00% |
| Affirm Holdings, Inc. (AFRM)vs › | $25.08B | 12.22% | 6.35% | -1.21% | -4.00% |
| Circle Internet Group (CRCL)vs › | $22.49B | 0.58% | 0.13% | -0.09% | -0.24% |
| First Citizens BancShares, Inc. (FCNCP)vs › | $22.29B | 0.99% | 1.10% | 2.14% | 1.75% |
ROA
1.0%
ROE
10.8%
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 | 0.96% |
| 2024-12-31 | 1.24% |
| 2023-12-31 | 5.36% |
| 2022-12-31 | 1.00% |
| 2021-12-31 | 0.94% |
| 2020-12-31 | 0.98% |
| 2019-12-31 | 1.15% |
| 2018-12-31 | 1.13% |
| 2017-12-31 | 0.94% |
| 2016-12-31 | 0.68% |
| 2015-12-31 | 0.67% |
| 2014-12-31 | 0.46% |
| 2013-12-31 | 0.79% |
| 2012-12-31 | 0.62% |
| 2011-12-31 | 0.93% |
| 2010-12-31 | 0.93% |
| 2009-12-31 | 0.63% |
| 2008-12-31 | 0.54% |
| 2007-12-31 | 0.67% |
| 2006-12-31 | 0.80% |
| 2005-12-31 | 0.77% |
| 2004-12-31 | 0.56% |
| 2003-12-31 | 0.60% |
| 2002-12-31 | 0.76% |
| 2001-12-31 | 0.73% |
| 2000-12-31 | 0.92% |
| 1999-12-31 | 0.84% |
| 1998-12-31 | 0.74% |
| 1997-12-31 | 0.79% |
| 1996-12-31 | 0.81% |
