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 in line with its 5-year average of 1.24%, around the middle of its 5-year range (0.98%–1.46%).
4.10% above its 12-month average of 1.22%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.34%.
RETURN ON ASSETS (ROA)
1.27%
RETURN ON ASSETS (ROA) AVG TTM
1.22%
RETURN ON ASSETS (ROA) AVG 3Y
1.29%
RETURN ON ASSETS (ROA) AVG 5Y
1.24%
RETURN ON ASSETS (ROA) AVG 10Y
1.19%
RETURN ON ASSETS (ROA) AVG 15Y
1.11%
RETURN ON ASSETS (ROA) AVG 20Y
1.05%
CURRENT VS TTM AVG
+4.10%
CURRENT VS 3Y AVG
-1.93%
CURRENT VS 5Y AVG
+2.70%
CURRENT VS 10Y AVG
+6.89%
CURRENT VS 15Y AVG
+14.74%
CURRENT VS 20Y AVG
+20.61%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 584 covered companies
CURRENT VS SECTOR MEDIAN
+3.67%
vs the sector median at left
First Financial Bancorp.
Market Cap
$3.31B
Return on Assets (ROA)
1.27%
TTM Avg
1.22%
3Y Avg
1.29%
5Y Avg
1.24%
Market Cap
$3.31B
Return on Assets (ROA)
1.32%
TTM Avg
0.68%
3Y Avg
1.45%
5Y Avg
1.42%
Market Cap
$3.36B
Return on Assets (ROA)
5.12%
TTM Avg
7.03%
3Y Avg
5.67%
5Y Avg
4.75%
Market Cap
$3.24B
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$3.20B
Return on Assets (ROA)
1.76%
TTM Avg
3.67%
3Y Avg
3.70%
5Y Avg
3.77%
Market Cap
$3.19B
Return on Assets (ROA)
-36.93%
TTM Avg
2.01%
3Y Avg
-6.70%
5Y Avg
-23.03%
Market Cap
$3.17B
Return on Assets (ROA)
0.98%
TTM Avg
1.33%
3Y Avg
1.37%
5Y Avg
1.34%
Market Cap
$3.48B
Return on Assets (ROA)
1.25%
TTM Avg
0.95%
3Y Avg
0.84%
5Y Avg
0.88%
Market Cap
$3.49B
Return on Assets (ROA)
0.34%
TTM Avg
0.17%
3Y Avg
0.40%
5Y Avg
0.30%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Bancorp. (FFBC) | $3.31B | 1.27% | 1.22% | 1.29% | 1.24% |
| Mechanics Bank (MCHB)vs › | $3.31B | 1.32% | 0.68% | 1.45% | 1.42% |
| Palomar Holdings, Inc. (PLMR)vs › | $3.36B | 5.12% | 7.03% | 5.67% | 4.75% |
| iShares Core 80/20 Aggressive Allocation ETF (AOA)vs › | $3.24B | N/A | N/A | N/A | N/A |
| Golub Capital BDC, Inc. (GBDC)vs › | $3.20B | 1.76% | 3.67% | 3.70% | 3.77% |
| CleanSpark, Inc. (CLSK)vs › | $3.19B | -36.93% | 2.01% | -6.70% | -23.03% |
| CVB Financial Corp. (CVBF)vs › | $3.17B | 0.98% | 1.33% | 1.37% | 1.34% |
| First Interstate BancSystem, Inc. (FIBK)vs › | $3.48B | 1.25% | 0.95% | 0.84% | 0.88% |
| Brighthouse Financial, Inc. (BHFAO)vs › | $3.49B | 0.34% | 0.17% | 0.40% | 0.30% |
| Brighthouse Financial, Inc. (BHFAN)vs › | $3.49B | 0.34% | 0.17% | 0.40% | 0.30% |
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 | 1.21% |
| 2024-12-31 | 1.23% |
| 2023-12-31 | 1.46% |
| 2022-12-31 | 1.28% |
| 2021-12-31 | 1.26% |
| 2020-12-31 | 0.98% |
| 2019-12-31 | 1.36% |
| 2018-12-31 | 1.23% |
| 2017-12-31 | 1.09% |
| 2016-12-31 | 1.05% |
| 2015-12-31 | 0.92% |
| 2014-12-31 | 0.90% |
| 2013-12-31 | 0.75% |
| 2012-12-31 | 1.04% |
| 2011-12-31 | 1.00% |
| 2010-12-31 | 0.95% |
| 2009-12-31 | 3.31% |
| 2008-12-31 | 0.62% |
| 2007-12-31 | 1.06% |
| 2006-12-31 | 0.64% |
| 2005-12-31 | 1.03% |
| 2004-12-31 | 1.05% |
| 2003-12-31 | 0.96% |
| 2002-12-31 | 1.29% |
| 2001-12-31 | 1.12% |
| 2000-12-31 | 1.48% |
| 1999-12-31 | 1.28% |
| 1998-12-31 | 1.44% |
| 1997-12-31 | 1.78% |
| 1996-12-31 | 1.50% |
