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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bancorp 34's annualizedNet Income for the quarter that ended in Mar. 2025 was $9.23 Mil.
Bancorp 34's average Total Assets over the quarter that ended in Mar. 2025 was $930.87 Mil. Therefore, Bancorp 34's annualized ROA % for the quarter that ended in Mar. 2025 was 0.99%.
The historical rank and industry rank for Bancorp 34's ROA % or its related term are showing as below:
BCTF's ROA % is not ranked *
in the Banks industry.
Industry Median: 1 * Ranked among companies with meaningful ROA % only.
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. 2025) net income data. The Revenue data used here is four times the quarterly (Mar. 2025) 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.
Bancorp 34 ROA % Related Terms
Bancorp 34 ROA % Historical Data
* Premium members only.
The historical data trend for Bancorp 34'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, Bancorp 34'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.
Bancorp 34 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp 34's ROA % distribution charts can be found below:
* The bar in red indicates where Bancorp 34'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. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Bancorp 34 (BCTF) has a ROA % of 0.99% as of Mar. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bancorp 34 and its competitors.
Is Bancorp 34's ROA % too high?
Bancorp 34's current ROA % is 0.99%. The Banks industry median ROA % is 1.00. Bancorp 34's value of 0.99% is 1% below this industry median. Overall, Bancorp 34 has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Bancorp 34's ROA % compare to FCOB and CCNB?
Bancorp 34's ROA % of 0.99% can be compared against companies in the Banks industry. The industry median ROA % is 1.00. Bancorp 34's value of 0.99% is 1% below this benchmark. 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 1.00, based on 1,528 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. Bancorp 34's current ROA % of 0.99% is 1% 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 Bancorp 34 and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp 34's current ROA % is 0.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancorp 34 stock overvalued right now?
Bancorp 34 (BCTF) has a current ROA % of 0.99%. The current ROA % is 0.99% and 1% below the Banks industry median of 1.00. Bancorp 34's overall GF Score™ is 62/100. 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 Bancorp 34 (BCTF), the current ROA % is 0.99% as of Mar. 2025. 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.
Bancorp 34 Inc provides a variety of banking services to individuals and businesses through its branches. Its products and services are demand deposits, certificates of deposits, savings and money market accounts, commercial loans, real estate mortgage loans and credit and merchant cards and e-banking. The bank operates banking centers in Alamogordo, Las Cruces, New Mexico, Scottsdale, Arizona, and Peoria.
62GF Score
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