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 1.76% is in line with its 5-year average of 1.69%, near the high end of its 5-year range (1.52%–1.85%).
8.64% above its 12-month average of 1.62%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.47%.
RETURN ON ASSETS (ROA)
1.76%
RETURN ON ASSETS (ROA) AVG TTM
1.62%
RETURN ON ASSETS (ROA) AVG 3Y
1.64%
RETURN ON ASSETS (ROA) AVG 5Y
1.69%
RETURN ON ASSETS (ROA) AVG 10Y
1.71%
RETURN ON ASSETS (ROA) AVG 15Y
1.67%
RETURN ON ASSETS (ROA) AVG 20Y
1.60%
CURRENT VS TTM AVG
+8.64%
CURRENT VS 3Y AVG
+7.15%
CURRENT VS 5Y AVG
+3.94%
CURRENT VS 10Y AVG
+2.92%
CURRENT VS 15Y AVG
+5.31%
CURRENT VS 20Y AVG
+9.76%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+42.51%
vs the sector median at left
First Financial Bankshares, Inc.
Market Cap
$4.57B
Return on Assets (ROA)
1.76%
TTM Avg
1.62%
3Y Avg
1.64%
5Y Avg
1.69%
Market Cap
$4.60B
Return on Assets (ROA)
1.15%
TTM Avg
1.06%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$4.65B
Return on Assets (ROA)
0.56%
TTM Avg
0.49%
3Y Avg
0.47%
5Y Avg
0.51%
Market Cap
$4.80B
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$4.80B
Return on Assets (ROA)
10.87%
TTM Avg
11.84%
3Y Avg
11.08%
5Y Avg
10.70%
Market Cap
$4.29B
Return on Assets (ROA)
2.43%
TTM Avg
2.54%
3Y Avg
2.44%
5Y Avg
2.08%
Market Cap
$4.28B
Return on Assets (ROA)
1.15%
TTM Avg
1.06%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$4.90B
Return on Assets (ROA)
1.21%
TTM Avg
0.38%
3Y Avg
0.69%
5Y Avg
0.59%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First Financial Bankshares, Inc. (FFIN) | $4.57B | 1.76% | 1.62% | 1.64% | 1.69% |
| Fulton Financial Corporation (FULTP)vs › | $4.60B | 1.15% | 1.06% | 1.05% | 1.00% |
| TFS Financial Corporation (TFSL)vs › | $4.65B | 0.56% | 0.49% | 0.47% | 0.51% |
| JPMorgan U.S. Tech Leaders ETF (JTEK)vs › | $4.80B | N/A | N/A | N/A | N/A |
| Hamilton Lane Incorporated (HLNE)vs › | $4.80B | 10.87% | 11.84% | 11.08% | 10.70% |
| Bank OZK (OZK)vs › | $4.87B | 1.66% | 1.81% | 1.92% | 1.82% |
| International Bancshares Corporation (IBOC)vs › | $4.29B | 2.43% | 2.54% | 2.44% | 2.08% |
| Fulton Financial Corporation (FULT)vs › | $4.28B | 1.15% | 1.06% | 1.05% | 1.00% |
| Eastern Bankshares, Inc. (EBC)vs › | $4.90B | 1.21% | 0.38% | 0.69% | 0.59% |
| SLM Corporation (SLM)vs › | $4.23B | 2.57% | 2.26% | 2.04% | 2.50% |
ROA
1.8%
ROE
13.5%
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 | 1.64% |
| 2024-12-31 | 1.60% |
| 2023-12-31 | 1.52% |
| 2022-12-31 | 1.81% |
| 2021-12-31 | 1.74% |
| 2020-12-31 | 1.85% |
| 2019-12-31 | 1.99% |
| 2018-12-31 | 1.95% |
| 2017-12-31 | 1.66% |
| 2016-12-31 | 1.54% |
| 2015-12-31 | 1.51% |
| 2014-12-31 | 1.53% |
| 2013-12-31 | 1.51% |
| 2012-12-31 | 1.65% |
| 2011-12-31 | 1.66% |
| 2010-12-31 | 1.58% |
| 2009-12-31 | 1.64% |
| 2008-12-31 | 1.65% |
| 2007-12-31 | 1.61% |
| 2006-12-31 | 1.61% |
| 2005-12-31 | 1.61% |
| 2004-12-31 | 1.69% |
| 2003-12-31 | 1.69% |
| 2002-12-31 | 1.70% |
| 2001-12-31 | 1.52% |
| 2000-12-31 | 1.61% |
| 1999-12-31 | 1.49% |
| 1998-12-31 | 1.38% |
| 1997-12-31 | 1.27% |
| 1996-12-31 | 1.51% |
