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 1.84% is 15% above its 5-year average of 1.60%, near the high end of its 5-year range (1.21%–1.95%).
4.84% above its 12-month average of 1.75%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.45%.
RETURN ON ASSETS (ROA)
1.84%
RETURN ON ASSETS (ROA) AVG TTM
1.75%
RETURN ON ASSETS (ROA) AVG 3Y
1.66%
RETURN ON ASSETS (ROA) AVG 5Y
1.60%
RETURN ON ASSETS (ROA) AVG 10Y
1.39%
RETURN ON ASSETS (ROA) AVG 15Y
1.10%
RETURN ON ASSETS (ROA) AVG 20Y
0.96%
CURRENT VS TTM AVG
+4.84%
CURRENT VS 3Y AVG
+11.18%
CURRENT VS 5Y AVG
+14.88%
CURRENT VS 10Y AVG
+32.63%
CURRENT VS 15Y AVG
+67.65%
CURRENT VS 20Y AVG
+91.95%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+48.99%
vs the sector median at left
Unity Bancorp, Inc.
Market Cap
$554.56M
Return on Assets (ROA)
1.84%
TTM Avg
1.75%
3Y Avg
1.66%
5Y Avg
1.60%
Market Cap
$554.79M
Return on Assets (ROA)
0.72%
TTM Avg
0.63%
3Y Avg
0.85%
5Y Avg
0.93%
Market Cap
$555.12M
Return on Assets (ROA)
1.27%
TTM Avg
0.92%
3Y Avg
1.01%
5Y Avg
1.09%
Market Cap
$553.62M
Return on Assets (ROA)
10.64%
TTM Avg
9.50%
3Y Avg
8.15%
5Y Avg
11.13%
Market Cap
$560.55M
Return on Assets (ROA)
1.05%
TTM Avg
0.75%
3Y Avg
0.90%
5Y Avg
0.97%
Market Cap
$548.33M
Return on Assets (ROA)
2.01%
TTM Avg
1.59%
3Y Avg
1.31%
5Y Avg
1.36%
Market Cap
$544.56M
Return on Assets (ROA)
2.86%
TTM Avg
2.75%
3Y Avg
1.40%
5Y Avg
1.53%
Market Cap
$564.90M
Return on Assets (ROA)
N/A
TTM Avg
-0.49%
3Y Avg
-1.60%
5Y Avg
-1.28%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Unity Bancorp, Inc. (UNTY) | $554.56M | 1.84% | 1.75% | 1.66% | 1.60% |
| Community West Bancshares (CWBC)vs › | $554.79M | 0.72% | 0.63% | 0.85% | 0.93% |
| Stewards Inc. (SWRD)vs › | $554.12M | N/A | N/A | N/A | N/A |
| Civista Bancshares, Inc. (CIVB)vs › | $555.12M | 1.27% | 0.92% | 1.01% | 1.09% |
| Investors Title Company (ITIC)vs › | $553.62M | 10.64% | 9.50% | 8.15% | 11.13% |
| Bridgewater Bancshares, Inc. (BWBBP)vs › | $560.55M | 1.05% | 0.75% | 0.90% | 0.97% |
| Northrim BanCorp, Inc. (NRIM)vs › | $548.33M | 2.01% | 1.59% | 1.31% | 1.36% |
| Donegal Group Inc. (DGICB)vs › | $544.56M | 2.86% | 2.75% | 1.40% | 1.53% |
| Nuveen California AMT-Free Quality Municipal Income Fund (NKX)vs › | $564.90M | N/A | -0.49% | -1.60% | -1.28% |
| Bridgewater Bancshares, Inc. (BWB)vs › | $567.99M | 1.05% | 0.75% | 0.90% | 0.97% |
ROA
1.8%
ROE
15.8%
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 | 1.95% |
| 2024-12-31 | 1.56% |
| 2023-12-31 | 1.54% |
| 2022-12-31 | 1.57% |
| 2021-12-31 | 1.78% |
| 2020-12-31 | 1.21% |
| 2019-12-31 | 1.38% |
| 2018-12-31 | 1.39% |
| 2017-12-31 | 0.89% |
| 2016-12-31 | 1.11% |
| 2015-12-31 | 0.88% |
| 2014-12-31 | 0.64% |
| 2013-12-31 | 0.56% |
| 2012-12-31 | 0.52% |
| 2011-12-31 | 0.31% |
| 2010-12-31 | 0.27% |
| 2009-12-31 | -0.12% |
| 2008-12-31 | 0.21% |
| 2007-12-31 | 0.63% |
| 2006-12-31 | 0.84% |
| 2005-12-31 | 1.01% |
| 2004-12-31 | 1.03% |
| 2003-12-31 | 0.98% |
| 2002-12-31 | 0.86% |
| 2001-12-31 | 0.54% |
| 2000-12-31 | -1.66% |
| 1999-12-31 | -0.77% |
| 1998-12-31 | 0.82% |
| 1997-12-31 | 0.94% |
| 1996-12-31 | 0.58% |
