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Pacific Alliance Bank CAPFBN 53 ROA % is 0.54% as of Dec. 2025, which is 26% below its 10-year median of 0.73. GuruFocus rates PFBN with a GF Score™ of 53/100 and a GF Value™ of $8.53 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Pacific Alliance Bank CA ranks worse than 75.59% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Pacific Alliance Bank CA's annualizedNet Income for the quarter that ended in Dec. 2025 was $2.30 Mil.
Pacific Alliance Bank CA's average Total Assets over the quarter that ended in Dec. 2025 was $425.59 Mil. Therefore, Pacific Alliance Bank CA's annualized ROA % for the quarter that ended in Dec. 2025 was 0.54%.
The historical rank and industry rank for Pacific Alliance Bank CA's ROA % or its related term are showing as below:
PFBN'
s ROA % Range Over the Past 10 Years
Min: -6.75 Med: 0.73 Max: 1.46
Current: 0.54
During the past 9 years, Pacific Alliance Bank CA's highest ROA % was 1.46%. The lowest was -6.75%. And the median was 0.73%.
PFBN's ROA % is ranked worse than 75.59% of 1528
companies
in the Banks industry
Industry Median: 1
vs PFBN: 0.54
Pacific Alliance Bank CA (OTCPK:PFBN) 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, Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Alliance Bank CA's ROA % distribution charts can be found below:
* The bar in red indicates where Pacific Alliance Bank CA'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.
Pacific Alliance Bank CA (PFBN) has a ROA % of 0.54% 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 Pacific Alliance Bank CA and its competitors. This is 26% below median its historical median of 0.73. According to the industry distribution chart, Pacific Alliance Bank CA ranks #1155 out of 1528 companies in the Banks industry, placing it in the top 75.6%.
Is Pacific Alliance Bank CA's ROA % too high?
Pacific Alliance Bank CA's current ROA % of 0.54% is 26% below median its 10-year median of 0.73. The Banks industry median ROA % is 1.00. Pacific Alliance Bank CA's value of 0.54% is 46% below this industry median. Based on the distribution chart, Pacific Alliance Bank CA ranks #1155 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pacific Alliance Bank CA has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's ROA % compare to VWFB and ECLP?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #1155 out of 1528 companies for ROA %. This places Pacific Alliance Bank CA in the lower half of its industry. The industry median ROA % is 1.00. Pacific Alliance Bank CA's value of 0.54% is 46% below this benchmark. While the company's 10-year median is 0.73 vs. the industry median of 1.00, Pacific Alliance Bank CA 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. Pacific Alliance Bank CA's current ROA % of 0.54% is 46% 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 Pacific Alliance Bank CA 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. Pacific Alliance Bank CA's current ROA % is 0.54%, which is 26% below 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 Pacific Alliance Bank CA stock overvalued right now?
Based on GuruFocus' analysis, Pacific Alliance Bank CA (PFBN) is currently considered Fairly Valued. The stock's GF Value™ is $8.53, compared to a current price of $9.27 — trading 8.7% above its estimated fair value. The current ROA % is 0.54%, which is 26% below median its 10-year median of 0.73 and 46% below the Banks industry median of 1.00. Pacific Alliance Bank CA's overall GF Score™ is 53/100 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 Pacific Alliance Bank CA (PFBN), the current ROA % is 0.54% 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 Pacific Alliance Bank CA (PFBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Alliance Bank CA stock appears to be overvalued.
The current stock price of $9.27 is trading 8.7% above its estimated GF Value™ of $8.53.
GuruFocus considers Pacific Alliance Bank CA to be Fairly Valued.
Key valuation signals for PFBN:
ROA %: 0.54% (26% below median its 10-year median of 0.73)
GF Value™: $8.53 vs. price of $9.27 (8.7% above fair value)
Industry Position: 46% below the Banks median (#1155 of 1528)
No single metric tells the full story. See the PFBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Alliance Bank CA is a commercial bank, engaged in client relationships with businesses, client communities, related business owners, owner's families, and employees. The company delivers distinctive deposit, loan, and service products, based on client needs. It serves Rosemead, its surrounding communities, and Southern California in general. The bank has branches in San Gabriel, Rowland Heights, and Irvine.
53GF Score
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