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 1.21% is 12% below its 5-year average of 1.37%, near the low end of its 5-year range (1.17%–1.50%).
2.42% below its 12-month average of 1.24%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.35%.
RETURN ON ASSETS (ROA)
1.21%
RETURN ON ASSETS (ROA) AVG TTM
1.24%
RETURN ON ASSETS (ROA) AVG 3Y
1.36%
RETURN ON ASSETS (ROA) AVG 5Y
1.37%
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
-2.42%
CURRENT VS 3Y AVG
-11.19%
CURRENT VS 5Y AVG
-11.57%
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
-2.02%
vs the sector median at left
South Plains Financial, Inc.
Market Cap
$818.67M
Return on Assets (ROA)
1.21%
TTM Avg
1.24%
3Y Avg
1.36%
5Y Avg
1.37%
Market Cap
$817.02M
Return on Assets (ROA)
-31.96%
TTM Avg
-15.13%
3Y Avg
-7.41%
5Y Avg
1.72%
Market Cap
$813.16M
Return on Assets (ROA)
0.52%
TTM Avg
0.34%
3Y Avg
0.51%
5Y Avg
0.84%
Market Cap
$824.71M
Return on Assets (ROA)
3.65%
TTM Avg
6.09%
3Y Avg
5.35%
5Y Avg
5.85%
Market Cap
$812.04M
Return on Assets (ROA)
1.54%
TTM Avg
0.93%
3Y Avg
0.94%
5Y Avg
0.98%
Market Cap
$805.64M
Return on Assets (ROA)
6.57%
TTM Avg
4.31%
3Y Avg
3.80%
5Y Avg
3.26%
Market Cap
$839.33M
Return on Assets (ROA)
-0.10%
TTM Avg
0.04%
3Y Avg
0.34%
5Y Avg
0.46%
Market Cap
$843.00M
Return on Assets (ROA)
1.39%
TTM Avg
1.31%
3Y Avg
1.14%
5Y Avg
1.03%
Market Cap
$788.83M
Return on Assets (ROA)
1.37%
TTM Avg
1.27%
3Y Avg
1.13%
5Y Avg
1.29%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| South Plains Financial, Inc. (SPFI) | $818.67M | 1.21% | 1.24% | 1.36% | 1.37% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -31.96% | -15.13% | -7.41% | 1.72% |
| Alerus Financial Corporation (ALRS)vs › | $813.16M | 0.52% | 0.34% | 0.51% | 0.84% |
| World Acceptance Corporation (WRLD)vs › | $824.71M | 3.65% | 6.09% | 5.35% | 5.85% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $812.04M | 1.54% | 0.93% | 0.94% | 0.98% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 6.57% | 4.31% | 3.80% | 3.26% |
| Navient Corporation (NAVI)vs › | $839.33M | -0.10% | 0.04% | 0.34% | 0.46% |
| Capital City Bank Group, Inc. (CCBG)vs › | $843.00M | 1.39% | 1.31% | 1.14% | 1.03% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $788.83M | 1.37% | 1.27% | 1.13% | 1.29% |
| River City Bank (RCBC)vs › | $787.88M | 1.30% | 1.30% | 1.25% | 1.20% |
ROA
1.2%
ROE
10.3%
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 | 1.31% |
| 2024-12-31 | 1.17% |
| 2023-12-31 | 1.49% |
| 2022-12-31 | 1.48% |
| 2021-12-31 | 1.50% |
| 2020-12-31 | 1.26% |
| 2019-12-31 | 0.90% |
| 2018-12-31 | 1.08% |
| 2017-12-31 | 0.92% |
