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HFB FinancialHFBA 54 ROA % is 0.82% as of Dec. 2025, which is 5% above its 10-year median of 0.78. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.39 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, HFB Financial ranks worse than 62.11% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. HFB Financial's annualizedNet Income for the quarter that ended in Dec. 2025 was $4.63 Mil.
HFB Financial's average Total Assets over the quarter that ended in Dec. 2025 was $566.04 Mil. Therefore, HFB Financial's annualized ROA % for the quarter that ended in Dec. 2025 was 0.82%.
The historical rank and industry rank for HFB Financial's ROA % or its related term are showing as below:
HFBA'
s ROA % Range Over the Past 10 Years
Min: 0.47 Med: 0.78 Max: 1.02
Current: 0.82
During the past 13 years, HFB Financial's highest ROA % was 1.02%. The lowest was 0.47%. And the median was 0.78%.
HFBA's ROA % is ranked worse than 62.11% of 1528
companies
in the Banks industry
Industry Median: 1
vs HFBA: 0.82
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.
HFB Financial ROA % Related Terms
HFB Financial ROA % Historical Data
* Premium members only.
The historical data trend for HFB Financial'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, HFB Financial'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.
HFB Financial ROA % vs Banks Industry
For the Banks industry and Financial Services sector, HFB Financial's ROA % distribution charts can be found below:
* The bar in red indicates where HFB Financial'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.
HFB Financial (HFBA) has a ROA % of 0.82% 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 HFB Financial and its competitors. This is near median its historical median of 0.78. Over the past decade, HFB Financial's ROA % has ranged from 0.47 to 1.02. According to the industry distribution chart, HFB Financial ranks #949 out of 1528 companies in the Banks industry, placing it in the top 62.1%.
Is HFB Financial's ROA % too high?
HFB Financial's current ROA % of 0.82% is near median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.02. The Banks industry median ROA % is 1.00. HFB Financial's value of 0.82% is 18% below this industry median. Based on the distribution chart, HFB Financial ranks #949 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's ROA % compare to HCBC and TMAK?
According to the Banks industry distribution chart, HFB Financial ranks #949 out of 1528 companies for ROA %. This places HFB Financial in the lower half of its industry. The industry median ROA % is 1.00. HFB Financial's value of 0.82% is 18% below this benchmark. Historically, HFB Financial's own ROA % has ranged from 0.47 to 1.02 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.00, HFB Financial 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 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. HFB Financial's current ROA % of 0.82% is 18% 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 HFB Financial 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. HFB Financial's current ROA % is 0.82%, which is near median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.39, compared to a current price of $38.00 — trading 4.4% above its estimated fair value. The current ROA % is 0.82%, which is near median its 10-year median of 0.78 and 18% below the Banks industry median of 1.00. HFB Financial's overall GF Score™ is 54/100 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 HFB Financial (HFBA), the current ROA % is 0.82% 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 HFB Financial (HFBA) Overvalued in 2026?
Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued.
The current stock price of $38.00 is trading 4.4% above its estimated GF Value™ of $36.39.
GuruFocus considers HFB Financial to be Fairly Valued.
Key valuation signals for HFBA:
ROA %: 0.82% (near median its 10-year median of 0.78)
GF Value™: $36.39 vs. price of $38.00 (4.4% above fair value)
Industry Position: 18% below the Banks median (#949 of 1528)
No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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