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 0.76% is in line with its 5-year average of 0.74%, around the middle of its 5-year range (0.06%–1.18%).
18.28% below its 12-month average of 0.93%.
Reported quarterly return on assets; no daily interpolation. Q3 FY2026 (2026-03-31): 0.24%.
RETURN ON ASSETS (ROA)
0.76%
RETURN ON ASSETS (ROA) AVG TTM
0.93%
RETURN ON ASSETS (ROA) AVG 3Y
0.96%
RETURN ON ASSETS (ROA) AVG 5Y
0.74%
RETURN ON ASSETS (ROA) AVG 10Y
N/A
RETURN ON ASSETS (ROA) AVG 15Y
N/A
RETURN ON ASSETS (ROA) AVG 20Y
N/A
CURRENT VS TTM AVG
-18.28%
CURRENT VS 3Y AVG
-21.04%
CURRENT VS 5Y AVG
+2.93%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-38.46%
vs the sector median at left
Pioneer Bancorp, Inc.
Market Cap
$444.11M
Return on Assets (ROA)
0.76%
TTM Avg
0.93%
3Y Avg
0.96%
5Y Avg
0.74%
Market Cap
$442.87M
Return on Assets (ROA)
1.68%
TTM Avg
0.44%
3Y Avg
0.63%
5Y Avg
0.72%
Market Cap
$441.94M
Return on Assets (ROA)
0.98%
TTM Avg
0.72%
3Y Avg
1.03%
5Y Avg
1.07%
Market Cap
$448.15M
Return on Assets (ROA)
1.04%
TTM Avg
1.11%
3Y Avg
1.03%
5Y Avg
1.06%
Market Cap
$440.37M
Return on Assets (ROA)
4.17%
TTM Avg
4.48%
3Y Avg
4.60%
5Y Avg
4.89%
Market Cap
$448.81M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$437.94M
Return on Assets (ROA)
-0.46%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$435.53M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$432.99M
Return on Assets (ROA)
1.57%
TTM Avg
1.54%
3Y Avg
1.64%
5Y Avg
1.53%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pioneer Bancorp, Inc. (PBFS) | $444.11M | 0.76% | 0.93% | 0.96% | 0.74% |
| Bank of Marin Bancorp (BMRC)vs › | $442.87M | 1.68% | 0.44% | 0.63% | 0.72% |
| RBB Bancorp (RBB)vs › | $441.94M | 0.98% | 0.72% | 1.03% | 1.07% |
| First Bank (FRBA)vs › | $448.15M | 1.04% | 1.11% | 1.03% | 1.06% |
| AMERISAFE, Inc. (AMSF)vs › | $440.37M | 4.17% | 4.48% | 4.60% | 4.89% |
| Churchill Capital Corp. Xii (CXII)vs › | $448.81M | N/A | N/A | N/A | N/A |
| Idea Acquisition Corp. Class A Ordinary Shares (IACO)vs › | $437.94M | -0.46% | 0.00% | 0.00% | 0.00% |
| Meshflow Acquisition Corp. (MESH)vs › | $435.53M | N/A | N/A | N/A | N/A |
| Plumas Bancorp (PLBC)vs › | $432.99M | 1.57% | 1.54% | 1.64% | 1.53% |
| PIMCO California Municipal Income Fund (PCQ)vs › | $433.63M | 3.33% | 1.91% | -1.32% | 0.12% |
ROA
0.8%
ROE
5.1%
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 | 0.94% |
| 2025-06-30 | 0.92% |
| 2024-06-30 | 0.81% |
| 2023-06-30 | 1.18% |
| 2022-06-30 | 0.52% |
| 2021-06-30 | 0.06% |
| 2020-06-30 | 0.34% |
| 2019-06-30 | 0.50% |
| 2018-06-30 | 0.90% |
| 2017-06-30 | 0.50% |
