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 1.20% is 14% above its 5-year average of 1.05%, near the high end of its 5-year range (0.79%–1.36%).
8.60% above its 12-month average of 1.10%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.27%.
RETURN ON ASSETS (ROA)
1.20%
RETURN ON ASSETS (ROA) AVG TTM
1.10%
RETURN ON ASSETS (ROA) AVG 3Y
1.09%
RETURN ON ASSETS (ROA) AVG 5Y
1.05%
RETURN ON ASSETS (ROA) AVG 10Y
0.90%
RETURN ON ASSETS (ROA) AVG 15Y
0.76%
RETURN ON ASSETS (ROA) AVG 20Y
0.77%
CURRENT VS TTM AVG
+8.60%
CURRENT VS 3Y AVG
+10.09%
CURRENT VS 5Y AVG
+14.29%
CURRENT VS 10Y AVG
+33.33%
CURRENT VS 15Y AVG
+57.62%
CURRENT VS 20Y AVG
+55.21%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-2.83%
vs the sector median at left
First United Corporation
Market Cap
$281.65M
Return on Assets (ROA)
1.20%
TTM Avg
1.10%
3Y Avg
1.09%
5Y Avg
1.05%
Market Cap
$281.81M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$281.09M
Return on Assets (ROA)
0.90%
TTM Avg
0.77%
3Y Avg
0.88%
5Y Avg
0.84%
Market Cap
$283.11M
Return on Assets (ROA)
2.84%
TTM Avg
1.88%
3Y Avg
1.88%
5Y Avg
1.88%
Market Cap
$283.54M
Return on Assets (ROA)
-13.68%
TTM Avg
-4.14%
3Y Avg
-0.76%
5Y Avg
-2.79%
Market Cap
$279.43M
Return on Assets (ROA)
-0.02%
TTM Avg
-0.21%
3Y Avg
-0.03%
5Y Avg
-0.03%
Market Cap
$284.05M
Return on Assets (ROA)
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$278.13M
Return on Assets (ROA)
0.61%
TTM Avg
0.50%
3Y Avg
0.65%
5Y Avg
0.67%
Market Cap
$285.28M
Return on Assets (ROA)
3.52%
TTM Avg
4.64%
3Y Avg
7.45%
5Y Avg
6.96%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| First United Corporation (FUNC) | $281.65M | 1.20% | 1.10% | 1.09% | 1.05% |
| X3 Acquisition Corp. Ltd. (XCBE)vs › | $281.81M | N/A | N/A | N/A | N/A |
| Isabella Bank Corporation (ISBA)vs › | $281.09M | 0.90% | 0.77% | 0.88% | 0.84% |
| Thayer Ventures Acquisition Corporation II Class A Ordinary Shares (TVAI)vs › | $283.11M | 2.84% | 1.88% | 1.88% | 1.88% |
| Great Elm Capital Corp. 7.75% Notes Due 2030 (GECCG)vs › | $283.54M | -13.68% | -4.14% | -0.76% | -2.79% |
| FB Bancorp, Inc. Common Stock (FBLA)vs › | $279.43M | -0.02% | -0.21% | -0.03% | -0.03% |
| Inflection Point Acquisition Corp. VIII (IPHX)vs › | $284.05M | N/A | N/A | N/A | N/A |
| Western New England Bancorp, Inc. (WNEB)vs › | $278.13M | 0.61% | 0.50% | 0.65% | 0.67% |
| CPI Card Group Inc. (PMTS)vs › | $285.28M | 3.52% | 4.64% | 7.45% | 6.96% |
| Franklin Financial Services Corporation (FRAF)vs › | $285.53M | 1.06% | 0.72% | 0.77% | 0.83% |
ROA
1.2%
ROE
11.8%
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 | 1.17% |
| 2024-12-31 | 1.04% |
| 2023-12-31 | 0.79% |
| 2022-12-31 | 1.36% |
| 2021-12-31 | 1.14% |
| 2020-12-31 | 0.80% |
| 2019-12-31 | 0.91% |
| 2018-12-31 | 0.77% |
| 2017-12-31 | 0.39% |
| 2016-12-31 | 0.55% |
| 2015-12-31 | 0.98% |
| 2014-12-31 | 0.42% |
| 2013-12-31 | 0.49% |
| 2012-12-31 | 0.35% |
| 2011-12-31 | 0.26% |
| 2010-12-31 | -0.60% |
| 2009-12-31 | -0.65% |
| 2008-12-31 | 0.54% |
| 2007-12-31 | 0.87% |
| 2006-12-31 | 0.93% |
| 2005-12-31 | 0.93% |
| 2004-12-31 | 0.62% |
| 2003-12-31 | 0.97% |
| 2002-12-31 | 1.01% |
| 2001-12-31 | 1.12% |
| 2000-12-31 | 0.98% |
| 1999-12-31 | 1.01% |
| 1998-12-31 | 1.15% |
| 1997-12-31 | 1.16% |
| 1996-12-31 | 1.24% |
