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 0.92% is in line with its 5-year average of 0.94%, around the middle of its 5-year range (0.61%–1.32%).
16.46% above its 12-month average of 0.79%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.21%.
RETURN ON ASSETS (ROA)
0.92%
RETURN ON ASSETS (ROA) AVG TTM
0.79%
RETURN ON ASSETS (ROA) AVG 3Y
0.90%
RETURN ON ASSETS (ROA) AVG 5Y
0.94%
RETURN ON ASSETS (ROA) AVG 10Y
0.99%
RETURN ON ASSETS (ROA) AVG 15Y
0.91%
RETURN ON ASSETS (ROA) AVG 20Y
0.91%
CURRENT VS TTM AVG
+16.46%
CURRENT VS 3Y AVG
+1.94%
CURRENT VS 5Y AVG
-1.95%
CURRENT VS 10Y AVG
-7.16%
CURRENT VS 15Y AVG
+1.24%
CURRENT VS 20Y AVG
+1.10%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
-25.51%
vs the sector median at left
Heritage Financial Corporation
Market Cap
$1.14B
Return on Assets (ROA)
0.92%
TTM Avg
0.79%
3Y Avg
0.90%
5Y Avg
0.94%
Market Cap
$1.14B
Return on Assets (ROA)
1.20%
TTM Avg
1.01%
3Y Avg
1.00%
5Y Avg
1.01%
Market Cap
$1.07B
Return on Assets (ROA)
2.49%
TTM Avg
0.47%
3Y Avg
-2.86%
5Y Avg
-3.15%
Market Cap
$1.07B
Return on Assets (ROA)
4.98%
TTM Avg
6.34%
3Y Avg
6.55%
5Y Avg
5.26%
Market Cap
$1.22B
Return on Assets (ROA)
7.44%
TTM Avg
7.69%
3Y Avg
8.46%
5Y Avg
8.46%
Market Cap
$1.23B
Return on Assets (ROA)
1.75%
TTM Avg
1.82%
3Y Avg
1.98%
5Y Avg
1.81%
Market Cap
$1.05B
Return on Assets (ROA)
N/A
TTM Avg
0.55%
3Y Avg
0.24%
5Y Avg
0.41%
Market Cap
$1.05B
Return on Assets (ROA)
1.34%
TTM Avg
1.21%
3Y Avg
1.29%
5Y Avg
1.44%
Market Cap
$1.04B
Return on Assets (ROA)
2.06%
TTM Avg
2.00%
3Y Avg
1.85%
5Y Avg
2.23%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Heritage Financial Corporation (HFWA) | $1.14B | 0.92% | 0.79% | 0.90% | 0.94% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 1.20% | 1.01% | 1.00% | 1.01% |
| Trupanion, Inc. (TRUP)vs › | $1.07B | 2.49% | 0.47% | -2.86% | -3.15% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 4.98% | 6.34% | 6.55% | 5.26% |
| Jefferson Capital, Inc. Common Stock (JCAP)vs › | $1.22B | 7.44% | 7.69% | 8.46% | 8.46% |
| Preferred Bank (PFBC)vs › | $1.23B | 1.75% | 1.82% | 1.98% | 1.81% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 0.55% | 0.24% | 0.41% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 1.34% | 1.21% | 1.29% | 1.44% |
| Northeast Bank (NBN)vs › | $1.04B | 2.06% | 2.00% | 1.85% | 2.23% |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 1.48% | 1.47% | 1.92% | 3.18% |
ROA
0.9%
ROE
7.0%
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 | 0.97% |
| 2024-12-31 | 0.61% |
| 2023-12-31 | 0.86% |
| 2022-12-31 | 1.17% |
| 2021-12-31 | 1.32% |
| 2020-12-31 | 0.70% |
| 2019-12-31 | 1.22% |
| 2018-12-31 | 1.00% |
| 2017-12-31 | 1.02% |
| 2016-12-31 | 1.00% |
| 2015-12-31 | 1.03% |
| 2014-12-31 | 0.61% |
| 2013-12-31 | 0.58% |
| 2012-12-31 | 0.99% |
| 2011-12-31 | 0.48% |
| 2010-12-31 | 0.98% |
| 2009-12-31 | 0.06% |
| 2008-12-31 | 0.67% |
| 2007-12-31 | 1.21% |
| 2006-12-31 | 1.24% |
| 2005-12-31 | 1.39% |
| 2004-12-31 | 1.37% |
| 2003-12-31 | 1.39% |
| 2002-12-31 | 1.58% |
| 2001-12-31 | 1.14% |
| 2000-12-31 | 1.04% |
| 1999-12-31 | 1.06% |
| 1997-12-31 | 1.03% |
