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 1.25% is 17% above its 5-year average of 1.07%, near the high end of its 5-year range (0.67%–1.41%).
5.04% above its 12-month average of 1.19%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 0.30%.
RETURN ON ASSETS (ROA)
1.25%
RETURN ON ASSETS (ROA) AVG TTM
1.19%
RETURN ON ASSETS (ROA) AVG 3Y
1.26%
RETURN ON ASSETS (ROA) AVG 5Y
1.07%
RETURN ON ASSETS (ROA) AVG 10Y
1.01%
RETURN ON ASSETS (ROA) AVG 15Y
0.92%
RETURN ON ASSETS (ROA) AVG 20Y
0.88%
CURRENT VS TTM AVG
+5.04%
CURRENT VS 3Y AVG
-0.60%
CURRENT VS 5Y AVG
+16.64%
CURRENT VS 10Y AVG
+23.43%
CURRENT VS 15Y AVG
+36.05%
CURRENT VS 20Y AVG
+41.89%
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 710 covered companies
CURRENT VS SECTOR MEDIAN
+1.21%
vs the sector median at left
Peoples Bancorp Inc.
Market Cap
$1.32B
Return on Assets (ROA)
1.25%
TTM Avg
1.19%
3Y Avg
1.26%
5Y Avg
1.07%
Market Cap
$1.32B
Return on Assets (ROA)
1.16%
TTM Avg
1.48%
3Y Avg
1.39%
5Y Avg
1.31%
Market Cap
$1.32B
Return on Assets (ROA)
1.09%
TTM Avg
1.10%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$1.29B
Return on Assets (ROA)
1.35%
TTM Avg
1.33%
3Y Avg
1.35%
5Y Avg
1.11%
Market Cap
$1.38B
Return on Assets (ROA)
1.55%
TTM Avg
1.41%
3Y Avg
1.42%
5Y Avg
1.41%
Market Cap
$1.38B
Return on Assets (ROA)
1.91%
TTM Avg
2.11%
3Y Avg
2.13%
5Y Avg
1.81%
Market Cap
$1.39B
Return on Assets (ROA)
0.88%
TTM Avg
0.97%
3Y Avg
0.95%
5Y Avg
0.93%
Market Cap
$1.41B
Return on Assets (ROA)
2.06%
TTM Avg
2.50%
3Y Avg
3.62%
5Y Avg
5.24%
Market Cap
$1.41B
Return on Assets (ROA)
3.51%
TTM Avg
2.43%
3Y Avg
1.11%
5Y Avg
0.58%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Peoples Bancorp Inc. (PEBO) | $1.32B | 1.25% | 1.19% | 1.26% | 1.07% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 1.16% | 1.48% | 1.39% | 1.31% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 1.09% | 1.10% | 1.05% | 1.00% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 1.35% | 1.33% | 1.35% | 1.11% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 1.55% | 1.41% | 1.42% | 1.41% |
| Westamerica Bancorporation (WABC)vs › | $1.38B | 1.91% | 2.11% | 2.13% | 1.81% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.39B | 0.88% | 0.97% | 0.95% | 0.93% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 2.06% | 2.50% | 3.62% | 5.24% |
| United Fire Group, Inc. (UFCS)vs › | $1.41B | 3.51% | 2.43% | 1.11% | 0.58% |
| Preferred Bank (PFBC)vs › | $1.23B | 1.75% | 1.82% | 1.98% | 1.81% |
ROA
1.3%
ROE
9.6%
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 | 1.11% |
| 2024-12-31 | 1.27% |
| 2023-12-31 | 1.24% |
| 2022-12-31 | 1.41% |
| 2021-12-31 | 0.67% |
| 2020-12-31 | 0.73% |
| 2019-12-31 | 1.23% |
| 2018-12-31 | 1.16% |
| 2017-12-31 | 1.07% |
| 2016-12-31 | 0.91% |
| 2015-12-31 | 0.34% |
| 2014-12-31 | 0.65% |
| 2013-12-31 | 0.85% |
| 2012-12-31 | 1.06% |
| 2011-12-31 | 0.70% |
| 2010-12-31 | 0.30% |
| 2009-12-31 | 0.21% |
| 2008-12-31 | 0.37% |
| 2007-12-31 | 0.97% |
| 2006-12-31 | 1.15% |
| 2005-12-31 | 1.10% |
| 2004-12-31 | 1.01% |
| 2003-12-31 | 0.94% |
| 2002-12-31 | 1.34% |
| 2001-12-31 | 1.03% |
| 2000-12-31 | 0.98% |
| 1999-12-31 | 0.99% |
| 1998-12-31 | 1.14% |
| 1997-12-31 | 1.13% |
| 1996-12-31 | 1.25% |
