Safwa Islamic BankAMM:SIBK +1.33%14 ROA % is 0.74% as of Mar. 2026, which is 12% above its 10-year median of 0.66. GuruFocus rates AMM:SIBK with a GF Score™ of 14/100. The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Safwa Islamic Bank ranks worse than 65.16% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Safwa Islamic Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was JOD32.8 Mil.
Safwa Islamic Bank's average Total Assets over the quarter that ended in Mar. 2026 was JOD4,442.1 Mil. Therefore, Safwa Islamic Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.74%.
The historical rank and industry rank for Safwa Islamic Bank's ROA % or its related term are showing as below:
AMM:SIBK'
s ROA % Range Over the Past 10 Years
Min: 0.6 Med: 0.66 Max: 0.8
Current: 0.75
During the past 13 years, Safwa Islamic Bank's highest ROA % was 0.80%. The lowest was 0.60%. And the median was 0.66%.
AMM:SIBK's ROA % is ranked worse than 65.16% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs AMM:SIBK: 0.75
Safwa Islamic Bank (AMM:SIBK) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Safwa Islamic Bank ROA % Related Terms
Safwa Islamic Bank ROA % Historical Data
* Premium members only.
The historical data trend for Safwa Islamic Bank's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Safwa Islamic Bank's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Safwa Islamic Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Safwa Islamic Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Safwa Islamic Bank's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Safwa Islamic Bank (AMM:SIBK) has a ROA % of 0.74% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Safwa Islamic Bank and its competitors. This is 12% above median its historical median of 0.66. Over the past decade, Safwa Islamic Bank's ROA % has ranged from 0.60 to 0.80. According to the industry distribution chart, Safwa Islamic Bank ranks #997 out of 1530 companies in the Banks industry, placing it in the top 65.2%.
Is Safwa Islamic Bank's ROA % too high?
Safwa Islamic Bank's current ROA % of 0.74% is 12% above median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 0.80. The Banks industry median ROA % is 0.98. Safwa Islamic Bank's value of 0.74% is 24.5% below this industry median. Based on the distribution chart, Safwa Islamic Bank ranks #997 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Safwa Islamic Bank has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Safwa Islamic Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, Safwa Islamic Bank ranks #997 out of 1530 companies for ROA %. This places Safwa Islamic Bank in the lower half of its industry. The industry median ROA % is 0.98. Safwa Islamic Bank's value of 0.74% is 24.5% below this benchmark. Historically, Safwa Islamic Bank's own ROA % has ranged from 0.60 to 0.80 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 0.98, Safwa Islamic Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safwa Islamic Bank's current ROA % of 0.74% is 24.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Safwa Islamic Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safwa Islamic Bank's current ROA % is 0.74%, which is 12% above median its own 10-year median of 0.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Safwa Islamic Bank stock overvalued right now?
Safwa Islamic Bank (AMM:SIBK) has a current ROA % of 0.74%. The current ROA % is 0.74%, which is 12% above median its 10-year median of 0.66 and 24.5% below the Banks industry median of 0.98. Safwa Islamic Bank's overall GF Score™ is 14/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Safwa Islamic Bank (AMM:SIBK), the current ROA % is 0.74% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Safwa Islamic Bank provides Islamic banking and financial services in accordance with Shari'a principles on a non-interest basis. The Bank offers financial banking and structured investment services and operates through three business sectors: Retail Accounts, which manages unrestricted investment accounts, deferred sales receivables, financings, and related retail services; Corporate Accounts, which handles similar services for corporate customers; and Treasury, which is responsible for brokerage services, treasury activities, and the management of the Bank's funds. The Bank operates within the Kingdom and across other Middle Eastern countries, as well as in Europe, Asia, Africa, America, and other international markets.
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