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 0.87% is 27% below its 5-year average of 1.19%, near the low end of its 5-year range (0.87%–1.33%).
24.02% below its 12-month average of 1.15%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.21%.
RETURN ON ASSETS (ROA)
0.87%
RETURN ON ASSETS (ROA) AVG TTM
1.15%
RETURN ON ASSETS (ROA) AVG 3Y
1.19%
RETURN ON ASSETS (ROA) AVG 5Y
1.19%
RETURN ON ASSETS (ROA) AVG 10Y
1.20%
RETURN ON ASSETS (ROA) AVG 15Y
1.11%
RETURN ON ASSETS (ROA) AVG 20Y
1.04%
CURRENT VS TTM AVG
-24.02%
CURRENT VS 3Y AVG
-26.74%
CURRENT VS 5Y AVG
-26.89%
CURRENT VS 10Y AVG
-27.45%
CURRENT VS 15Y AVG
-21.89%
CURRENT VS 20Y AVG
-16.30%
SECTOR MEDIAN · FINANCIAL SERVICES
1.21%
median of 558 covered companies
CURRENT VS SECTOR MEDIAN
-28.10%
vs the sector median at left
First Merchants Corporation
Market Cap
$2.79B
Return on Assets (ROA)
0.87%
TTM Avg
1.15%
3Y Avg
1.19%
5Y Avg
1.19%
Market Cap
$2.90B
Return on Assets (ROA)
0.34%
TTM Avg
0.17%
3Y Avg
0.40%
5Y Avg
0.30%
Market Cap
$2.65B
Return on Assets (ROA)
1.32%
TTM Avg
1.04%
3Y Avg
1.06%
5Y Avg
1.08%
Market Cap
$2.58B
Return on Assets (ROA)
-1.32%
TTM Avg
-0.78%
3Y Avg
-1.34%
5Y Avg
-1.24%
Market Cap
$3.02B
Return on Assets (ROA)
9.89%
TTM Avg
10.44%
3Y Avg
10.87%
5Y Avg
10.14%
Market Cap
$3.02B
Return on Assets (ROA)
-83.51%
TTM Avg
-127.57%
3Y Avg
-147.11%
5Y Avg
-97.20%
Market Cap
$2.54B
Return on Assets (ROA)
1.27%
TTM Avg
1.41%
3Y Avg
1.55%
5Y Avg
1.68%
Market Cap
$3.06B
Return on Assets (ROA)
1.46%
TTM Avg
1.26%
3Y Avg
0.75%
5Y Avg
0.48%
Market Cap
$3.06B
Return on Assets (ROA)
1.20%
TTM Avg
1.06%
3Y Avg
1.04%
5Y Avg
1.00%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Merchants Corporation (FRMEP) | $2.79B | 0.87% | 1.15% | 1.19% | 1.19% |
| Brighthouse Financial, Inc. (BHF)vs › | $2.90B | 0.34% | 0.17% | 0.40% | 0.30% |
| NBT Bancorp Inc. (NBTB)vs › | $2.65B | 1.32% | 1.04% | 1.06% | 1.08% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | -1.32% | -0.78% | -1.34% | -1.24% |
| NMI Holdings, Inc. (NMIH)vs › | $3.02B | 9.89% | 10.44% | 10.87% | 10.14% |
| Strive, Inc. (ASST)vs › | $3.02B | -83.51% | -127.57% | -147.11% | -97.20% |
| Merchants Bancorp (MBINM)vs › | $2.54B | 1.27% | 1.41% | 1.55% | 1.68% |
| Inter & Co, Inc. (INTR)vs › | $3.06B | 1.46% | 1.26% | 0.75% | 0.48% |
| First Hawaiian, Inc. (FHB)vs › | $3.06B | 1.20% | 1.06% | 1.04% | 1.00% |
| First Merchants Corporation (FRME)vs › | $2.51B | 0.87% | 1.15% | 1.19% | 1.19% |
ROA
0.9%
ROE
6.9%
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 | 1.19% |
| 2024-12-31 | 1.10% |
| 2023-12-31 | 1.22% |
| 2022-12-31 | 1.24% |
| 2021-12-31 | 1.33% |
| 2020-12-31 | 1.06% |
| 2019-12-31 | 1.32% |
| 2018-12-31 | 1.61% |
| 2017-12-31 | 1.03% |
| 2016-12-31 | 1.12% |
| 2015-12-31 | 0.97% |
| 2014-12-31 | 1.03% |
| 2013-12-31 | 0.82% |
| 2012-12-31 | 1.05% |
| 2011-12-31 | 0.61% |
| 2010-12-31 | 0.17% |
| 2009-12-31 | -0.91% |
| 2008-12-31 | 0.43% |
| 2007-12-31 | 0.84% |
| 2006-12-31 | 0.85% |
| 2005-12-31 | 0.93% |
| 2004-12-31 | 0.92% |
| 2003-12-31 | 0.90% |
| 2002-12-31 | 1.04% |
| 2001-12-31 | 1.24% |
| 2000-12-31 | 1.23% |
| 1999-12-31 | 1.30% |
| 1998-12-31 | 1.31% |
| 1997-12-31 | 1.62% |
| 1996-12-31 | 1.35% |
