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 1.54% is 57% above its 5-year average of 0.98%, near the high end of its 5-year range (0.41%–1.54%).
64.71% above its 12-month average of 0.93%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.38%.
RETURN ON ASSETS (ROA)
1.54%
RETURN ON ASSETS (ROA) AVG TTM
0.93%
RETURN ON ASSETS (ROA) AVG 3Y
0.94%
RETURN ON ASSETS (ROA) AVG 5Y
0.98%
RETURN ON ASSETS (ROA) AVG 10Y
0.81%
RETURN ON ASSETS (ROA) AVG 15Y
0.83%
RETURN ON ASSETS (ROA) AVG 20Y
0.98%
CURRENT VS TTM AVG
+64.71%
CURRENT VS 3Y AVG
+62.96%
CURRENT VS 5Y AVG
+56.61%
CURRENT VS 10Y AVG
+90.98%
CURRENT VS 15Y AVG
+85.03%
CURRENT VS 20Y AVG
+56.52%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+24.70%
vs the sector median at left
Orrstown Financial Services, Inc.
Market Cap
$811.38M
Return on Assets (ROA)
1.54%
TTM Avg
0.93%
3Y Avg
0.94%
5Y Avg
0.98%
Market Cap
$806.26M
Return on Assets (ROA)
6.57%
TTM Avg
4.31%
3Y Avg
3.80%
5Y Avg
3.26%
Market Cap
$815.55M
Return on Assets (ROA)
0.52%
TTM Avg
0.34%
3Y Avg
0.51%
5Y Avg
0.84%
Market Cap
$817.02M
Return on Assets (ROA)
-31.96%
TTM Avg
-15.13%
3Y Avg
-7.41%
5Y Avg
1.72%
Market Cap
$818.53M
Return on Assets (ROA)
1.21%
TTM Avg
1.24%
3Y Avg
1.36%
5Y Avg
1.37%
Market Cap
$820.67M
Return on Assets (ROA)
3.65%
TTM Avg
6.09%
3Y Avg
5.35%
5Y Avg
5.85%
Market Cap
$791.64M
Return on Assets (ROA)
1.37%
TTM Avg
1.27%
3Y Avg
1.13%
5Y Avg
1.29%
Market Cap
$790.33M
Return on Assets (ROA)
1.30%
TTM Avg
1.30%
3Y Avg
1.25%
5Y Avg
1.20%
Market Cap
$784.58M
Return on Assets (ROA)
0.65%
TTM Avg
0.48%
3Y Avg
0.72%
5Y Avg
0.71%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Orrstown Financial Services, Inc. (ORRF) | $811.38M | 1.54% | 0.93% | 0.94% | 0.98% |
| GCM Grosvenor Inc. (GCMG)vs › | $806.26M | 6.57% | 4.31% | 3.80% | 3.26% |
| Alerus Financial Corporation (ALRS)vs › | $815.55M | 0.52% | 0.34% | 0.51% | 0.84% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -31.96% | -15.13% | -7.41% | 1.72% |
| South Plains Financial, Inc. (SPFI)vs › | $818.53M | 1.21% | 1.24% | 1.36% | 1.37% |
| World Acceptance Corporation (WRLD)vs › | $820.67M | 3.65% | 6.09% | 5.35% | 5.85% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $791.64M | 1.37% | 1.27% | 1.13% | 1.29% |
| River City Bank (RCBC)vs › | $790.33M | 1.30% | 1.30% | 1.25% | 1.20% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $784.58M | 0.65% | 0.48% | 0.72% | 0.71% |
| Navient Corporation (NAVI)vs › | $844.49M | -0.10% | 0.04% | 0.34% | 0.46% |
ROA
1.5%
ROE
13.9%
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 | 1.46% |
| 2024-12-31 | 0.41% |
| 2023-12-31 | 1.16% |
| 2022-12-31 | 0.75% |
| 2021-12-31 | 1.16% |
| 2020-12-31 | 0.96% |
| 2019-12-31 | 0.71% |
| 2018-12-31 | 0.66% |
| 2017-12-31 | 0.52% |
| 2016-12-31 | 0.47% |
| 2015-12-31 | 0.61% |
| 2014-12-31 | 2.45% |
| 2013-12-31 | 0.85% |
| 2012-12-31 | -3.12% |
| 2011-12-31 | -2.21% |
| 2010-12-31 | 1.10% |
| 2009-12-31 | 1.12% |
| 2008-12-31 | 1.25% |
| 2007-12-31 | 1.42% |
| 2006-12-31 | 1.44% |
| 2005-12-31 | 1.66% |
| 2004-12-31 | 1.51% |
| 2003-12-31 | 1.48% |
| 2002-12-31 | 1.44% |
| 2001-12-31 | 1.36% |
| 2000-12-31 | 1.34% |
| 1999-12-31 | 1.42% |
| 1998-12-31 | 1.32% |
| 1997-12-31 | 1.37% |
| 1996-12-31 | 1.43% |
