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Keweenaw FinancialKEFI 40 ROA % is 0.94% as of Dec. 2025, which is at its 10-year median of 0.94. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,522 Banks companies, Keweenaw Financial ranks worse than 55.32% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Keweenaw Financial's annualizedNet Income for the quarter that ended in Dec. 2025 was $9.56 Mil.
Keweenaw Financial's average Total Assets over the quarter that ended in Dec. 2025 was $1,015.99 Mil. Therefore, Keweenaw Financial's annualized ROA % for the quarter that ended in Dec. 2025 was 0.94%.
The historical rank and industry rank for Keweenaw Financial's ROA % or its related term are showing as below:
KEFI'
s ROA % Range Over the Past 10 Years
Min: 0.62 Med: 0.94 Max: 1.22
Current: 0.94
During the past 5 years, Keweenaw Financial's highest ROA % was 1.22%. The lowest was 0.62%. And the median was 0.94%.
KEFI's ROA % is ranked worse than 55.32% of 1522
companies
in the Banks industry
Industry Median: 1.02
vs KEFI: 0.94
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.
Keweenaw Financial ROA % Related Terms
Keweenaw Financial ROA % Historical Data
* Premium members only.
The historical data trend for Keweenaw 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.
Keweenaw Financial ROA % Chart
Keweenaw Financial Annual Data
Trend
Dec21
Dec22
Dec23
Dec24
Dec25
ROA %
1.22
0.94
0.62
0.69
0.94
Keweenaw Financial Semi-Annual Data
Dec21
Dec22
Dec23
Dec24
Dec25
ROA %
1.22
0.94
0.62
0.69
0.94
KEFI vs OSBK, FFWC, NEFB: ROA % Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Keweenaw 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.
Keweenaw Financial (KEFI) has a ROA % of 0.94% 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 Keweenaw Financial and its competitors. This is near median its historical median of 0.94. Over the past decade, Keweenaw Financial's ROA % has ranged from 0.62 to 1.22. According to the industry distribution chart, Keweenaw Financial ranks #842 out of 1522 companies in the Banks industry, placing it in the top 55.3%.
Is Keweenaw Financial's ROA % too high?
Keweenaw Financial's current ROA % of 0.94% is near median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.22. The Banks industry median ROA % is 1.02. Keweenaw Financial's value of 0.94% is 7.8% below this industry median. Based on the distribution chart, Keweenaw Financial ranks #842 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's ROA % compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #842 out of 1522 companies for ROA %. This places Keweenaw Financial in the lower half of its industry. The industry median ROA % is 1.02. Keweenaw Financial's value of 0.94% is 7.8% below this benchmark. Historically, Keweenaw Financial's own ROA % has ranged from 0.62 to 1.22 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 1.02, Keweenaw 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 1.02, based on 1,522 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. Keweenaw Financial's current ROA % of 0.94% is 7.8% 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 Keweenaw Financial and its competitors. For the Banks industry, the median ROA % is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Keweenaw Financial's current ROA % is 0.94%, which is near median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current ROA % is 0.94%, which is near median its 10-year median of 0.94 and 7.8% below the Banks industry median of 1.02. Keweenaw Financial's overall GF Score™ is 40/100 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 Keweenaw Financial (KEFI), the current ROA % is 0.94% 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
ROA %: 0.94% (near median its 10-year median of 0.94)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 7.8% below the Banks median (#842 of 1522)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF Score
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