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 1.08% is 62% above its 5-year average of 0.67%, near the high end of its 5-year range (0.19%–1.08%).
30.91% above its 12-month average of 0.82%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.31%.
RETURN ON ASSETS (ROA)
1.08%
RETURN ON ASSETS (ROA) AVG TTM
0.82%
RETURN ON ASSETS (ROA) AVG 3Y
0.69%
RETURN ON ASSETS (ROA) AVG 5Y
0.67%
RETURN ON ASSETS (ROA) AVG 10Y
0.82%
RETURN ON ASSETS (ROA) AVG 15Y
0.47%
RETURN ON ASSETS (ROA) AVG 20Y
0.81%
CURRENT VS TTM AVG
+30.91%
CURRENT VS 3Y AVG
+57.66%
CURRENT VS 5Y AVG
+62.41%
CURRENT VS 10Y AVG
+32.15%
CURRENT VS 15Y AVG
+130.40%
CURRENT VS 20Y AVG
+33.94%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-12.55%
vs the sector median at left
Shore Bancshares, Inc.
Market Cap
$760.45M
Return on Assets (ROA)
1.08%
TTM Avg
0.82%
3Y Avg
0.69%
5Y Avg
0.67%
Market Cap
$772.56M
Return on Assets (ROA)
1.30%
TTM Avg
0.25%
3Y Avg
0.58%
5Y Avg
0.75%
Market Cap
$746.42M
Return on Assets (ROA)
-5.06%
TTM Avg
-2.28%
3Y Avg
-0.90%
5Y Avg
0.66%
Market Cap
$742.83M
Return on Assets (ROA)
1.28%
TTM Avg
0.75%
3Y Avg
0.75%
5Y Avg
0.75%
Market Cap
$737.82M
Return on Assets (ROA)
1.27%
TTM Avg
1.25%
3Y Avg
1.22%
5Y Avg
1.26%
Market Cap
$784.23M
Return on Assets (ROA)
0.65%
TTM Avg
0.48%
3Y Avg
0.72%
5Y Avg
0.71%
Market Cap
$733.43M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$788.62M
Return on Assets (ROA)
1.30%
TTM Avg
1.30%
3Y Avg
1.25%
5Y Avg
1.20%
Market Cap
$730.41M
Return on Assets (ROA)
1.51%
TTM Avg
3.56%
3Y Avg
4.02%
5Y Avg
4.05%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Shore Bancshares, Inc. (SHBI) | $760.45M | 1.08% | 0.82% | 0.69% | 0.67% |
| Financial Institutions, Inc. (FISI)vs › | $772.56M | 1.30% | 0.25% | 0.58% | 0.75% |
| PRA Group, Inc. (PRAA)vs › | $746.42M | -5.06% | -2.28% | -0.90% | 0.66% |
| Armada Acquisition Corp. II (XRPN)vs › | $742.83M | 1.28% | 0.75% | 0.75% | 0.75% |
| Independent Bank Corporation (IBCP)vs › | $737.82M | 1.27% | 1.25% | 1.22% | 1.26% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $784.23M | 0.65% | 0.48% | 0.72% | 0.71% |
| OFS Credit Company, Inc. (OCCIM)vs › | $733.43M | N/A | N/A | N/A | N/A |
| River City Bank (RCBC)vs › | $788.62M | 1.30% | 1.30% | 1.25% | 1.20% |
| Carlyle Secured Lending, Inc. (CGBD)vs › | $730.41M | 1.51% | 3.56% | 4.02% | 4.05% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $790.64M | 1.37% | 1.27% | 1.13% | 1.29% |
ROA
1.1%
ROE
10.7%
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 | 0.95% |
| 2024-12-31 | 0.70% |
| 2023-12-31 | 0.19% |
| 2022-12-31 | 0.90% |
| 2021-12-31 | 0.44% |
| 2020-12-31 | 0.81% |
| 2019-12-31 | 1.04% |
| 2018-12-31 | 1.69% |
| 2017-12-31 | 0.81% |
| 2016-12-31 | 0.83% |
| 2015-12-31 | 0.63% |
| 2014-12-31 | 0.46% |
| 2013-12-31 | -0.91% |
| 2012-12-31 | -0.81% |
| 2011-12-31 | -0.08% |
| 2010-12-31 | -0.15% |
| 2009-12-31 | 0.63% |
| 2008-12-31 | 1.10% |
| 2007-12-31 | 1.41% |
| 2006-12-31 | 1.44% |
| 2005-12-31 | 1.52% |
| 2004-12-31 | 1.29% |
| 2003-12-31 | 1.35% |
| 2002-12-31 | 1.34% |
| 2001-12-31 | 1.37% |
| 2000-12-31 | 1.44% |
| 1999-12-31 | 1.31% |
| 1998-12-31 | 1.23% |
| 1997-12-31 | 1.35% |
