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 1.53% is 23% above its 5-year average of 1.25%, near the high end of its 5-year range (1.10%–1.53%).
16.79% above its 12-month average of 1.31%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.39%.
RETURN ON ASSETS (ROA)
1.53%
RETURN ON ASSETS (ROA) AVG TTM
1.31%
RETURN ON ASSETS (ROA) AVG 3Y
1.28%
RETURN ON ASSETS (ROA) AVG 5Y
1.25%
RETURN ON ASSETS (ROA) AVG 10Y
1.18%
RETURN ON ASSETS (ROA) AVG 15Y
1.12%
RETURN ON ASSETS (ROA) AVG 20Y
1.13%
CURRENT VS TTM AVG
+16.79%
CURRENT VS 3Y AVG
+19.30%
CURRENT VS 5Y AVG
+22.73%
CURRENT VS 10Y AVG
+29.16%
CURRENT VS 15Y AVG
+36.45%
CURRENT VS 20Y AVG
+34.89%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+23.89%
vs the sector median at left
United Bankshares, Inc.
Market Cap
$6.36B
Return on Assets (ROA)
1.53%
TTM Avg
1.31%
3Y Avg
1.28%
5Y Avg
1.25%
Market Cap
$6.47B
Return on Assets (ROA)
9.82%
TTM Avg
10.14%
3Y Avg
10.82%
5Y Avg
9.83%
Market Cap
$6.63B
Return on Assets (ROA)
4.84%
TTM Avg
6.27%
3Y Avg
5.16%
5Y Avg
3.84%
Market Cap
$6.70B
Return on Assets (ROA)
2.57%
TTM Avg
2.26%
3Y Avg
2.04%
5Y Avg
2.50%
Market Cap
$5.91B
Return on Assets (ROA)
1.18%
TTM Avg
1.34%
3Y Avg
1.32%
5Y Avg
1.07%
Market Cap
$5.78B
Return on Assets (ROA)
-7.89%
TTM Avg
-5.81%
3Y Avg
-2.66%
5Y Avg
-0.21%
Market Cap
$5.78B
Return on Assets (ROA)
12.65%
TTM Avg
14.48%
3Y Avg
14.33%
5Y Avg
16.11%
Market Cap
$7.03B
Return on Assets (ROA)
1.05%
TTM Avg
0.77%
3Y Avg
0.84%
5Y Avg
0.90%
Market Cap
$5.64B
Return on Assets (ROA)
3.46%
TTM Avg
3.53%
3Y Avg
2.44%
5Y Avg
2.44%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| United Bankshares, Inc. (UBSI) | $6.36B | 1.53% | 1.31% | 1.28% | 1.25% |
| Enact Holdings Inc. (ACT)vs › | $6.47B | 9.82% | 10.14% | 10.82% | 9.83% |
| PIMCO Dynamic Income Fund (PDI)vs › | $6.63B | 4.84% | 6.27% | 5.16% | 3.84% |
| SLM Corporation (SLMBP)vs › | $6.70B | 2.57% | 2.26% | 2.04% | 2.50% |
| Hancock Whitney Corporation (HWC)vs › | $5.91B | 1.18% | 1.34% | 1.32% | 1.07% |
| StepStone Group Inc. (STEP)vs › | $5.78B | -7.89% | -5.81% | -2.66% | -0.21% |
| MarketAxess Holdings Inc. (MKTX)vs › | $5.78B | 12.65% | 14.48% | 14.33% | 16.11% |
| Valley National Bancorp (VLY)vs › | $7.03B | 1.05% | 0.77% | 0.84% | 0.90% |
| BGC Group, Inc (BGC)vs › | $5.64B | 3.46% | 3.53% | 2.44% | 2.44% |
| Credit Acceptance Corporation (CACC)vs › | $5.61B | 5.82% | 3.48% | 4.35% | 6.10% |
ROA
1.5%
ROE
9.3%
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 | 1.38% |
| 2024-12-31 | 1.24% |
| 2023-12-31 | 1.22% |
| 2022-12-31 | 1.29% |
| 2021-12-31 | 1.25% |
| 2020-12-31 | 1.10% |
| 2019-12-31 | 1.32% |
| 2018-12-31 | 1.33% |
| 2017-12-31 | 0.79% |
| 2016-12-31 | 1.01% |
| 2015-12-31 | 1.10% |
| 2014-12-31 | 1.05% |
| 2013-12-31 | 0.98% |
| 2012-12-31 | 0.98% |
| 2011-12-31 | 0.89% |
| 2010-12-31 | 1.01% |
| 2009-12-31 | 0.86% |
| 2008-12-31 | 1.07% |
| 2007-12-31 | 1.13% |
| 2006-12-31 | 1.33% |
| 2005-12-31 | 1.49% |
| 2004-12-31 | 1.52% |
| 2003-12-31 | 1.23% |
| 2002-12-31 | 1.54% |
| 2001-12-31 | 1.42% |
| 2000-12-31 | 1.20% |
| 1999-12-31 | 1.38% |
| 1998-12-31 | 0.97% |
| 1997-12-31 | 1.28% |
| 1996-12-31 | 1.71% |
