Great American BancorpGTPS +1.41%74 ROA % is 1.69% as of Dec. 2025, which is 132% above its 10-year median of 0.73. GuruFocus rates GTPS with a GF Score™ of 74/100 and a GF Value™ of $63.72 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, Great American Bancorp ranks better than 82.66% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Great American Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $3.30 Mil.
Great American Bancorp's average Total Assets over the quarter that ended in Dec. 2025 was $194.70 Mil. Therefore, Great American Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 was 1.69%.
The historical rank and industry rank for Great American Bancorp's ROA % or its related term are showing as below:
GTPS'
s ROA % Range Over the Past 10 Years
Min: 0.18 Med: 0.73 Max: 1.9
Current: 1.69
During the past 13 years, Great American Bancorp's highest ROA % was 1.90%. The lowest was 0.18%. And the median was 0.73%.
GTPS's ROA % is ranked better than 82.66% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs GTPS: 1.69
Great American Bancorp (OTCPK:GTPS) 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 one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 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.
For the Banks - Regional subindustry, Great American Bancorp'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.
Great American Bancorp ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Great American Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Great American Bancorp'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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Great American Bancorp (GTPS) has a ROA % of 1.69% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Great American Bancorp and its competitors. This is 132% above median its historical median of 0.73. Over the past decade, Great American Bancorp's ROA % has ranged from 0.18 to 1.90. According to the industry distribution chart, Great American Bancorp ranks #265 out of 1528 companies in the Banks industry, placing it in the top 17.3%.
Is Great American Bancorp's ROA % too high?
Great American Bancorp's current ROA % of 1.69% is 132% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.90. The Banks industry median ROA % is 0.98. Great American Bancorp's value of 1.69% is 72.4% above this industry median. Based on the distribution chart, Great American Bancorp ranks #265 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Great American Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's ROA % compare to MNBO and HRBK?
According to the Banks industry distribution chart, Great American Bancorp ranks #265 out of 1528 companies for ROA %. This places Great American Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Great American Bancorp's value of 1.69% is 72.4% above this benchmark. Historically, Great American Bancorp's own ROA % has ranged from 0.18 to 1.90 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 0.98, Great American Bancorp has consistently been above 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 1,528 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. Great American Bancorp's current ROA % of 1.69% is 72.4% above 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 Great American Bancorp 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. Great American Bancorp's current ROA % is 1.69%, which is 132% above median its own 10-year median of 0.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.72, compared to a current price of $72.00 — trading 13% above its estimated fair value. The current ROA % is 1.69%, which is 132% above median its 10-year median of 0.73 and 72.4% above the Banks industry median of 0.98. Great American Bancorp's overall GF Score™ is 74/100 with 4 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 Great American Bancorp (GTPS), the current ROA % is 1.69% as of Dec. 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 Great American Bancorp (GTPS) Overvalued in 2026?
Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued.
The current stock price of $72.00 is trading 13% above its estimated GF Value™ of $63.72.
GuruFocus considers Great American Bancorp to be Modestly Overvalued.
Key valuation signals for GTPS:
ROA %: 1.69% (132% above median its 10-year median of 0.73)
GF Value™: $63.72 vs. price of $72.00 (13% above fair value)
Industry Position: 72.4% above the Banks median (#265 of 1528)
No single metric tells the full story. See the GTPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
74GF Score
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