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 11% above its 5-year average of 0.75%, around the middle of its 5-year range (0.33%–1.60%).
57.01% above its 12-month average of 0.53%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.24%.
RETURN ON ASSETS (ROA)
0.84%
RETURN ON ASSETS (ROA) AVG TTM
0.53%
RETURN ON ASSETS (ROA) AVG 3Y
0.55%
RETURN ON ASSETS (ROA) AVG 5Y
0.75%
RETURN ON ASSETS (ROA) AVG 10Y
0.87%
RETURN ON ASSETS (ROA) AVG 15Y
0.67%
RETURN ON ASSETS (ROA) AVG 20Y
0.62%
CURRENT VS TTM AVG
+57.01%
CURRENT VS 3Y AVG
+53.42%
CURRENT VS 5Y AVG
+11.26%
CURRENT VS 10Y AVG
-3.14%
CURRENT VS 15Y AVG
+25.75%
CURRENT VS 20Y AVG
+35.16%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-31.98%
vs the sector median at left
Southern First Bancshares, Inc.
Market Cap
$573.62M
Return on Assets (ROA)
0.84%
TTM Avg
0.53%
3Y Avg
0.55%
5Y Avg
0.75%
Market Cap
$568.44M
Return on Assets (ROA)
1.05%
TTM Avg
0.75%
3Y Avg
0.90%
5Y Avg
0.97%
Market Cap
$578.04M
Return on Assets (ROA)
0.47%
TTM Avg
0.41%
3Y Avg
0.05%
5Y Avg
0.32%
Market Cap
$567.53M
Return on Assets (ROA)
-34.41%
TTM Avg
-21.15%
3Y Avg
-22.90%
5Y Avg
-22.90%
Market Cap
$560.55M
Return on Assets (ROA)
1.05%
TTM Avg
0.75%
3Y Avg
0.90%
5Y Avg
0.97%
Market Cap
$560.63M
Return on Assets (ROA)
N/A
TTM Avg
-0.49%
3Y Avg
-1.60%
5Y Avg
-1.28%
Market Cap
$588.25M
Return on Assets (ROA)
1.29%
TTM Avg
1.16%
3Y Avg
1.08%
5Y Avg
1.09%
Market Cap
$558.75M
Return on Assets (ROA)
0.72%
TTM Avg
0.63%
3Y Avg
0.85%
5Y Avg
0.93%
Market Cap
$555.78M
Return on Assets (ROA)
1.27%
TTM Avg
0.92%
3Y Avg
1.01%
5Y Avg
1.09%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Southern First Bancshares, Inc. (SFST) | $573.62M | 0.84% | 0.53% | 0.55% | 0.75% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $568.44M | 1.05% | 0.75% | 0.90% | 0.97% |
| Kearny Financial Corp. (KRNY)vs › | $578.04M | 0.47% | 0.41% | 0.05% | 0.32% |
| Gemini Space Station, Inc. (GEMI)vs › | $567.53M | -34.41% | -21.15% | -22.90% | -22.90% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 1.05% | 0.75% | 0.90% | 0.97% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $560.63M | N/A | -0.49% | -1.60% | -1.28% |
| Greene County Bancorp, Inc. (GCBC)vs › | $588.25M | 1.29% | 1.16% | 1.08% | 1.09% |
| Community West Bancshares (CWBC)vs › | $558.75M | 0.72% | 0.63% | 0.85% | 0.93% |
| Civista Bancshares, Inc. (CIVB)vs › | $555.78M | 1.27% | 0.92% | 1.01% | 1.09% |
| Unity Bancorp, Inc. (UNTY)vs › | $555.36M | 1.84% | 1.75% | 1.66% | 1.60% |
ROA
0.8%
ROE
8.8%
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 | 0.69% |
| 2024-12-31 | 0.38% |
| 2023-12-31 | 0.33% |
| 2022-12-31 | 0.79% |
| 2021-12-31 | 1.60% |
| 2020-12-31 | 0.74% |
| 2019-12-31 | 1.23% |
| 2018-12-31 | 1.17% |
| 2017-12-31 | 0.80% |
| 2016-12-31 | 0.97% |
| 2015-12-31 | 0.84% |
| 2014-12-31 | 0.64% |
| 2013-12-31 | 0.57% |
| 2012-12-31 | 0.48% |
| 2011-12-31 | 0.27% |
| 2010-12-31 | 0.12% |
| 2009-12-31 | 0.20% |
| 2008-12-31 | 0.27% |
| 2007-12-31 | 0.55% |
| 2006-12-31 | 0.77% |
| 2005-12-31 | 0.62% |
| 2004-12-31 | 0.64% |
| 2003-12-31 | 0.44% |
| 2002-12-31 | 0.44% |
| 2001-12-31 | -0.10% |
| 2000-12-31 | -1.08% |
| 1999-12-31 | -5.15% |
