First Atlantic BankXGHA:FAB 24 ROA % is 2.97% as of Dec. 2025, which is 8% above its 10-year median of 2.75. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100. Among 1,528 Banks companies, First Atlantic Bank ranks better than 94.76% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. First Atlantic Bank's annualizedNet Income for the quarter that ended in Dec. 2025 was GHS482 Mil.
First Atlantic Bank's average Total Assets over the quarter that ended in Dec. 2025 was GHS16,259 Mil. Therefore, First Atlantic Bank's annualized ROA % for the quarter that ended in Dec. 2025 was 2.97%.
The historical rank and industry rank for First Atlantic Bank's ROA % or its related term are showing as below:
XGHA:FAB'
s ROA % Range Over the Past 10 Years
Min: 2.53 Med: 2.75 Max: 2.97
Current: 2.97
During the past 2 years, First Atlantic Bank's highest ROA % was 2.97%. The lowest was 2.53%. And the median was 2.75%.
XGHA:FAB's ROA % is ranked better than 94.76% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs XGHA:FAB: 2.97
First Atlantic Bank (XGHA:FAB) 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.
First Atlantic Bank ROA % Related Terms
First Atlantic Bank ROA % Historical Data
* Premium members only.
The historical data trend for First Atlantic Bank'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.
First Atlantic Bank ROA % Chart
First Atlantic Bank Annual Data
Trend
Dec24
Dec25
ROA %
2.53
2.97
First Atlantic Bank Semi-Annual Data
Dec24
Dec25
ROA %
2.53
2.97
XGHA:FAB vs PNC: ROA % Comparison
For the Banks - Regional subindustry, First Atlantic 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 Atlantic Bank ROA % vs Banks Industry
For the Banks industry and Financial Services sector, First Atlantic Bank's ROA % distribution charts can be found below:
* The bar in red indicates where First Atlantic 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 one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
First Atlantic Bank (XGHA:FAB) has a ROA % of 2.97% 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 First Atlantic Bank and its competitors. This is near median its historical median of 2.75. Over the past decade, First Atlantic Bank's ROA % has ranged from 2.53 to 2.97. According to the industry distribution chart, First Atlantic Bank ranks #80 out of 1528 companies in the Banks industry, placing it in the top 5.2%.
Is First Atlantic Bank's ROA % too high?
First Atlantic Bank's current ROA % of 2.97% is near median its 10-year median of 2.75. Over the past 10 years, this metric has ranged from a low of 2.53 to a high of 2.97. The Banks industry median ROA % is 0.98. First Atlantic Bank's value of 2.97% is 203.1% above this industry median. Based on the distribution chart, First Atlantic Bank ranks #80 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's ROA % compare to PNC?
According to the Banks industry distribution chart, First Atlantic Bank ranks #80 out of 1528 companies for ROA %. This places First Atlantic Bank in the top 5% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. First Atlantic Bank's value of 2.97% is 203.1% above this benchmark. Historically, First Atlantic Bank's own ROA % has ranged from 2.53 to 2.97 over the past decade. While the company's 10-year median is 2.75 vs. the industry median of 0.98, First Atlantic Bank 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. First Atlantic Bank's current ROA % of 2.97% is 203.1% 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 First Atlantic 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 Atlantic Bank's current ROA % is 2.97%, which is near median its own 10-year median of 2.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current ROA % of 2.97%. The current ROA % is 2.97%, which is near median its 10-year median of 2.75 and 203.1% above the Banks industry median of 0.98. First Atlantic Bank's overall GF Score™ is 24/100. 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 Atlantic Bank (XGHA:FAB), the current ROA % is 2.97% 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.
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
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