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 0.84% is 28% below its 5-year average of 1.17%, near the low end of its 5-year range (0.84%–1.48%).
13.40% below its 12-month average of 0.97%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.23%.
RETURN ON ASSETS (ROA)
0.84%
RETURN ON ASSETS (ROA) AVG TTM
0.97%
RETURN ON ASSETS (ROA) AVG 3Y
1.10%
RETURN ON ASSETS (ROA) AVG 5Y
1.17%
RETURN ON ASSETS (ROA) AVG 10Y
1.13%
RETURN ON ASSETS (ROA) AVG 15Y
1.03%
RETURN ON ASSETS (ROA) AVG 20Y
0.91%
CURRENT VS TTM AVG
-13.40%
CURRENT VS 3Y AVG
-23.64%
CURRENT VS 5Y AVG
-28.10%
CURRENT VS 10Y AVG
-25.48%
CURRENT VS 15Y AVG
-18.59%
CURRENT VS 20Y AVG
-8.17%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 504 covered companies
CURRENT VS SECTOR MEDIAN
-31.71%
vs the sector median at left
Farmers National Banc Corp.
Market Cap
$681.47M
Return on Assets (ROA)
0.84%
TTM Avg
0.97%
3Y Avg
1.10%
5Y Avg
1.17%
Market Cap
$685.65M
Return on Assets (ROA)
0.64%
TTM Avg
-0.70%
3Y Avg
0.17%
5Y Avg
0.35%
Market Cap
$685.75M
Return on Assets (ROA)
-26.32%
TTM Avg
1.29%
3Y Avg
-1.74%
5Y Avg
-0.08%
Market Cap
$679.06M
Return on Assets (ROA)
2.86%
TTM Avg
2.75%
3Y Avg
1.40%
5Y Avg
1.53%
Market Cap
$676.39M
Return on Assets (ROA)
2.68%
TTM Avg
0.59%
3Y Avg
0.72%
5Y Avg
0.42%
Market Cap
$669.32M
Return on Assets (ROA)
12.67%
TTM Avg
10.23%
3Y Avg
8.55%
5Y Avg
9.10%
Market Cap
$697.49M
Return on Assets (ROA)
1.50%
TTM Avg
0.84%
3Y Avg
0.88%
5Y Avg
0.71%
Market Cap
$699.35M
Return on Assets (ROA)
0.64%
TTM Avg
-0.70%
3Y Avg
0.17%
5Y Avg
0.35%
Market Cap
$702.13M
Return on Assets (ROA)
-1.04%
TTM Avg
2.50%
3Y Avg
2.74%
5Y Avg
3.09%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Farmers National Banc Corp. (FMNB) | $681.47M | 0.84% | 0.97% | 1.10% | 1.17% |
| Midland States Bancorp, Inc. (MSBI)vs › | $685.65M | 0.64% | -0.70% | 0.17% | 0.35% |
| OFS Credit Company, Inc. (OCCIN)vs › | $685.75M | -26.32% | 1.29% | -1.74% | -0.08% |
| Donegal Group Inc. (DGICA)vs › | $679.06M | 2.86% | 2.75% | 1.40% | 1.53% |
| Carter Bankshares, Inc. (CARE)vs › | $676.39M | 2.68% | 0.59% | 0.72% | 0.42% |
| Gladstone Investment Corporation (GAINI)vs › | $669.32M | 12.67% | 10.23% | 8.55% | 9.10% |
| California BanCorp (BCAL)vs › | $697.49M | 1.50% | 0.84% | 0.88% | 0.71% |
| Midland States Bancorp, Inc. (MSBIP)vs › | $699.35M | 0.64% | -0.70% | 0.17% | 0.35% |
| MidCap Financial Investment Corporation (MFIC)vs › | $702.13M | -1.04% | 2.50% | 2.74% | 3.09% |
| ACNB Corporation (ACNB)vs › | $654.79M | 1.64% | 1.24% | 1.30% | 1.16% |
ROA
0.8%
ROE
7.6%
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 | 1.04% |
| 2024-12-31 | 0.90% |
| 2023-12-31 | 0.98% |
| 2022-12-31 | 1.48% |
| 2021-12-31 | 1.25% |
| 2020-12-31 | 1.36% |
| 2019-12-31 | 1.46% |
| 2018-12-31 | 1.40% |
| 2017-12-31 | 1.05% |
| 2016-12-31 | 1.05% |
| 2015-12-31 | 0.43% |
| 2014-12-31 | 0.79% |
| 2013-12-31 | 0.68% |
| 2012-12-31 | 0.87% |
| 2011-12-31 | 0.86% |
| 2010-12-31 | 0.91% |
| 2009-12-31 | 0.58% |
| 2008-12-31 | 0.64% |
| 2007-12-31 | 0.74% |
| 2006-12-31 | 0.88% |
| 2005-12-31 | 0.97% |
| 2004-12-31 | 0.88% |
| 2003-12-31 | 1.17% |
| 2002-12-31 | 1.06% |
| 2001-12-31 | 1.32% |
| 2000-12-31 | 1.22% |
| 1999-12-31 | 1.28% |
| 1998-12-31 | 1.27% |
| 1997-12-31 | 1.29% |
| 1996-12-31 | 1.22% |
