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 11% above its 5-year average of 0.89%, around the middle of its 5-year range (-0.01%–1.43%).
75.22% above its 12-month average of 0.56%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.32%.
RETURN ON ASSETS (ROA)
0.99%
RETURN ON ASSETS (ROA) AVG TTM
0.56%
RETURN ON ASSETS (ROA) AVG 3Y
0.83%
RETURN ON ASSETS (ROA) AVG 5Y
0.89%
RETURN ON ASSETS (ROA) AVG 10Y
0.89%
RETURN ON ASSETS (ROA) AVG 15Y
1.05%
RETURN ON ASSETS (ROA) AVG 20Y
1.12%
CURRENT VS TTM AVG
+75.22%
CURRENT VS 3Y AVG
+19.28%
CURRENT VS 5Y AVG
+11.44%
CURRENT VS 10Y AVG
+11.69%
CURRENT VS 15Y AVG
-5.65%
CURRENT VS 20Y AVG
-11.25%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-19.84%
vs the sector median at left
Norwood Financial Corp.
Market Cap
$372.14M
Return on Assets (ROA)
0.99%
TTM Avg
0.56%
3Y Avg
0.83%
5Y Avg
0.89%
Market Cap
$371.71M
Return on Assets (ROA)
2.65%
TTM Avg
3.76%
3Y Avg
3.76%
5Y Avg
3.76%
Market Cap
$371.63M
Return on Assets (ROA)
2.01%
TTM Avg
2.25%
3Y Avg
2.21%
5Y Avg
1.85%
Market Cap
$374.60M
Return on Assets (ROA)
3.49%
TTM Avg
-18.82%
3Y Avg
-18.82%
5Y Avg
-13.98%
Market Cap
$368.74M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$378.24M
Return on Assets (ROA)
0.62%
TTM Avg
-0.83%
3Y Avg
-2.27%
5Y Avg
-1.62%
Market Cap
$378.70M
Return on Assets (ROA)
1.18%
TTM Avg
0.98%
3Y Avg
1.09%
5Y Avg
1.16%
Market Cap
$380.18M
Return on Assets (ROA)
12.99%
TTM Avg
14.28%
3Y Avg
14.08%
5Y Avg
15.67%
Market Cap
$363.29M
Return on Assets (ROA)
2.93%
TTM Avg
-35.37%
3Y Avg
-35.37%
5Y Avg
-35.37%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Norwood Financial Corp. (NWFL) | $372.14M | 0.99% | 0.56% | 0.83% | 0.89% |
| RF Acquisition Corp II Ordinary Shares (RFAI)vs › | $371.71M | 2.65% | 3.76% | 3.76% | 3.76% |
| Northeast Community Bancorp, Inc. (NECB)vs › | $371.63M | 2.01% | 2.25% | 2.21% | 1.85% |
| Siddhi Acquisition Corp (SDHI)vs › | $374.60M | 3.49% | -18.82% | -18.82% | -13.98% |
| GSR V Acquisition Corp. (GSRV)vs › | $368.74M | N/A | N/A | N/A | N/A |
| Oportun Financial Corporation (OPRT)vs › | $378.24M | 0.62% | -0.83% | -2.27% | -1.62% |
| The First Bancorp, Inc. (FNLC)vs › | $378.70M | 1.18% | 0.98% | 1.09% | 1.16% |
| Value Line, Inc. (VALU)vs › | $380.18M | 12.99% | 14.28% | 14.08% | 15.67% |
| Titan Acquisition Corp. (TACH)vs › | $363.29M | 2.93% | -35.37% | -35.37% | -35.37% |
| OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs › | $362.01M | 0.65% | 0.65% | 0.65% | 0.65% |
ROA
1.0%
ROE
10.0%
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 | 1.14% |
| 2024-12-31 | -0.01% |
| 2023-12-31 | 0.76% |
| 2022-12-31 | 1.43% |
| 2021-12-31 | 1.20% |
| 2020-12-31 | 0.81% |
| 2019-12-31 | 1.16% |
| 2018-12-31 | 1.15% |
| 2017-12-31 | 0.72% |
| 2016-12-31 | 0.60% |
| 2015-12-31 | 0.79% |
| 2014-12-31 | 1.08% |
| 2013-12-31 | 1.19% |
| 2012-12-31 | 1.25% |
| 2011-12-31 | 1.10% |
| 2010-12-31 | 1.36% |
| 2009-12-31 | 1.33% |
| 2008-12-31 | 1.32% |
| 2007-12-31 | 1.35% |
| 2006-12-31 | 1.30% |
| 2005-12-31 | 1.27% |
| 2004-12-31 | 1.22% |
| 2003-12-31 | 1.20% |
| 2002-12-31 | 1.18% |
| 2001-12-31 | 1.21% |
| 2000-12-31 | 1.18% |
| 1999-12-31 | 1.11% |
| 1998-12-31 | 1.15% |
| 1997-12-31 | 1.03% |
| 1996-12-31 | 0.72% |
