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 1.37% is 16% above its 5-year average of 1.18%, near the high end of its 5-year range (0.85%–1.43%).
22.87% above its 12-month average of 1.11%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.37%.
RETURN ON ASSETS (ROA)
1.37%
RETURN ON ASSETS (ROA) AVG TTM
1.11%
RETURN ON ASSETS (ROA) AVG 3Y
1.23%
RETURN ON ASSETS (ROA) AVG 5Y
1.18%
RETURN ON ASSETS (ROA) AVG 10Y
1.19%
RETURN ON ASSETS (ROA) AVG 15Y
1.18%
RETURN ON ASSETS (ROA) AVG 20Y
1.15%
CURRENT VS TTM AVG
+22.87%
CURRENT VS 3Y AVG
+11.61%
CURRENT VS 5Y AVG
+15.61%
CURRENT VS 10Y AVG
+14.69%
CURRENT VS 15Y AVG
+16.41%
CURRENT VS 20Y AVG
+19.28%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+10.93%
vs the sector median at left
First Financial Corporation
Market Cap
$884.64M
Return on Assets (ROA)
1.37%
TTM Avg
1.11%
3Y Avg
1.23%
5Y Avg
1.18%
Market Cap
$875.36M
Return on Assets (ROA)
-1.07%
TTM Avg
-0.98%
3Y Avg
0.63%
5Y Avg
2.30%
Market Cap
$901.64M
Return on Assets (ROA)
1.64%
TTM Avg
1.54%
3Y Avg
1.51%
5Y Avg
1.47%
Market Cap
$862.74M
Return on Assets (ROA)
1.22%
TTM Avg
1.15%
3Y Avg
1.20%
5Y Avg
1.21%
Market Cap
$861.20M
Return on Assets (ROA)
-0.40%
TTM Avg
-0.82%
3Y Avg
0.12%
5Y Avg
0.53%
Market Cap
$916.84M
Return on Assets (ROA)
2.38%
TTM Avg
-2.27%
3Y Avg
-0.62%
5Y Avg
3.40%
Market Cap
$919.27M
Return on Assets (ROA)
1.11%
TTM Avg
1.11%
3Y Avg
1.11%
5Y Avg
1.11%
Market Cap
$921.54M
Return on Assets (ROA)
0.96%
TTM Avg
0.91%
3Y Avg
0.94%
5Y Avg
0.88%
Market Cap
$843.00M
Return on Assets (ROA)
1.39%
TTM Avg
1.31%
3Y Avg
1.14%
5Y Avg
1.03%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Corporation (THFF) | $884.64M | 1.37% | 1.11% | 1.23% | 1.18% |
| Lufax Holding Ltd (LU)vs › | $875.36M | -1.07% | -0.98% | 0.63% | 2.30% |
| First Community Bankshares, Inc. (FCBC)vs › | $901.64M | 1.64% | 1.54% | 1.51% | 1.47% |
| Great Southern Bancorp, Inc. (GSBC)vs › | $862.74M | 1.22% | 1.15% | 1.20% | 1.21% |
| Eagle Bancorp, Inc. (EGBN)vs › | $861.20M | -0.40% | -0.82% | 0.12% | 0.53% |
| Prospect Capital Corporation (PSEC)vs › | $916.84M | 2.38% | -2.27% | -0.62% | 3.40% |
| Forbright, Inc. Class A Common Stock (FRBT)vs › | $919.27M | 1.11% | 1.11% | 1.11% | 1.11% |
| Mid Penn Bancorp, Inc. (MPB)vs › | $921.54M | 0.96% | 0.91% | 0.94% | 0.88% |
| Capital City Bank Group, Inc. (CCBG)vs › | $843.00M | 1.39% | 1.31% | 1.14% | 1.03% |
| Navient Corporation (NAVI)vs › | $839.33M | -0.10% | 0.04% | 0.34% | 0.46% |
ROA
1.4%
ROE
12.5%
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 | 1.38% |
| 2024-12-31 | 0.85% |
| 2023-12-31 | 1.25% |
| 2022-12-31 | 1.43% |
| 2021-12-31 | 1.02% |
| 2020-12-31 | 1.18% |
| 2019-12-31 | 1.21% |
| 2018-12-31 | 1.55% |
| 2017-12-31 | 0.97% |
| 2016-12-31 | 1.29% |
| 2015-12-31 | 1.01% |
| 2014-12-31 | 1.12% |
| 2013-12-31 | 1.04% |
| 2012-12-31 | 1.13% |
| 2011-12-31 | 1.26% |
| 2010-12-31 | 1.14% |
| 2009-12-31 | 0.90% |
| 2008-12-31 | 1.08% |
| 2007-12-31 | 1.15% |
| 2006-12-31 | 1.08% |
| 2005-12-31 | 1.08% |
| 2004-12-31 | 1.28% |
| 2003-12-31 | 1.19% |
| 2002-12-31 | 1.32% |
| 2001-12-31 | 1.18% |
| 2000-12-31 | 1.14% |
| 1999-12-31 | 1.13% |
| 1998-12-31 | 1.01% |
| 1997-12-31 | 1.11% |
| 1996-12-31 | 0.99% |
