ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. First Security Islami Bank's annualizedNet Income for the quarter that ended in Jun. 2025 was BDT-44,672.27 Mil.
First Security Islami Bank's average Total Assets over the quarter that ended in Jun. 2025 was BDT679,576.86 Mil. Therefore, First Security Islami Bank's annualized ROA % for the quarter that ended in Jun. 2025 was -6.57%.
The historical rank and industry rank for First Security Islami Bank's ROA % or its related term are showing as below:
DHA:FIRSTSBANK'
s ROA % Range Over the Past 10 Years
Min: -3.22 Med: 0.51 Max: 0.64
Current: -3.22
During the past 11 years, First Security Islami Bank's highest ROA % was 0.64%. The lowest was -3.22%. And the median was 0.51%.
DHA:FIRSTSBANK's ROA % is ranked worse than 98.83% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs DHA:FIRSTSBANK: -3.22
First Security Islami Bank (DHA:FIRSTSBANK) 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 (Jun. 2025) net income data. The Revenue data used here is four times the quarterly (Jun. 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.
* 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.
First Security Islami Bank ROA % Competitor Comparison
For the Banks - Regional subindustry, First Security Islami 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.
First Security Islami Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, First Security Islami Bank's ROA % distribution charts can be found below:
* The bar in red indicates where First Security Islami 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 (Jun. 2025) net income data.
ROA % is displayed in the 30-year financial page.
First Security Islami Bank (DHA:FIRSTSBANK) has a ROA % of -6.57% as of Jun. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on First Security Islami Bank and its competitors. According to the industry distribution chart, First Security Islami Bank ranks #1514 out of 1532 companies in the Banks industry, placing it in the top 98.8%.
Is First Security Islami Bank's ROA % too high?
First Security Islami Bank's current ROA % is -6.57%. Based on the distribution chart, First Security Islami Bank ranks #1514 out of 1532 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Security Islami Bank has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does First Security Islami Bank's ROA % compare to competitors?
According to the Banks industry distribution chart, First Security Islami Bank ranks #1514 out of 1532 companies for ROA %. This places First Security Islami Bank in the lower half of its industry. The industry median ROA % is 0.98. 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 1,532 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. 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 First Security Islami 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. First Security Islami Bank's current ROA % is -6.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Security Islami Bank stock overvalued right now?
Based on GuruFocus' analysis, First Security Islami Bank (DHA:FIRSTSBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT9.45, compared to a current price of BDT8.20 — trading 13.2% below its estimated fair value. The current ROA % is -6.57%. First Security Islami Bank's overall GF Score™ is 58/100 with 5 warning signs 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 First Security Islami Bank (DHA:FIRSTSBANK), the current ROA % is -6.57% as of Jun. 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.
Is First Security Islami Bank (DHA:FIRSTSBANK) Overvalued in 2026?
Based on GuruFocus' analysis, First Security Islami Bank stock appears to be undervalued.
The current stock price of BDT8.20 is trading 13.2% below its estimated GF Value™ of BDT9.45.
GuruFocus considers First Security Islami Bank to be Modestly Undervalued.
Key valuation signals for DHA:FIRSTSBANK:
ROA %: -6.57%
GF Value™: BDT9.45 vs. price of BDT8.20 (13.2% below fair value)
No single metric tells the full story. See the DHA:FIRSTSBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Security Islami Bank PLC is a commercial bank. The bank's activities include accepting deposits, making loans, discounting bills, conducting money transfers and foreign exchange transactions, and performing other services. The company mainly focuses on deposit mobilization and investing activities comprising short-term, long-term, import, and export financing. The company invests in rural and agriculture, garments, jute, cement and bricks, tannery, steel and engineering, food and beverage, chemical and pharmaceuticals, printing and packaging, glass, and ceramics.
58GF Score
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