ASB:NYE-Associated Banc-Corp (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 19.84

Change

-0.17 (-0.85)%

Market Cap

USD 3.06B

Volume

1.32M

Avg Analyst Target

USD 24.00 (+20.97%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company operates through three segments: Corporate and Commercial Specialty; Community, Consumer, and Business; and Risk Management and Shared Services. Its Corporate and Commercial Specialty segment offers savings, money market deposit accounts, IRA accounts, and certificates of deposit; deposit and cash management solutions, such as commercial checking and interest-bearing deposit products, cash vault and night depository services, liquidity solutions, payables and receivables solutions, and information services; and lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset based lending, and loan syndications. This segment also provides specialized financial services comprising interest rate risk management, foreign exchange solutions, and commodity hedging; administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management; fixed and variable annuities, full-service, and discount and online investment brokerage; investment advisory services; and trust and investment management accounts. The company's Community, Consumer, and Business segment offers checking, credit, debit and pre-paid cards, online banking and bill pay, and money transfer services; residential mortgages, home equity loans and lines of credit, personal and installment loans, real estate financing, business loans, and business lines of credit. As of December 31, 2020, the company operated 228 banking branches. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-04 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

+1.30 (+1.80%)

USD132.88B 181.00 N/A
USB-PH U.S. Bancorp

-0.02 (-0.08%)

USD103.83B 5.40 N/A
USB-PP U.S. Bancorp

+0.05 (+0.18%)

USD87.50B 5.97 N/A
USB U.S. Bancorp

-0.83 (-1.49%)

USD82.88B 11.97 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
PNC The PNC Financial Services Gro..

-1.32 (-0.71%)

USD79.17B 14.13 N/A
USB-PM U.S. Bancorp

-0.01 (-0.04%)

USD78.13B 5.55 N/A
IBN ICICI Bank Limited

+0.52 (+2.76%)

USD65.14B 24.37 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
BSBR Banco Santander (Brasil) S.A

-0.13 (-1.65%)

USD58.69B 10.95 N/A

ETFs Containing ASB

Symbol Name Weight Mer Price(Change) Market Cap
VETS Pacer Military Times Best.. 0.00 % 0.60 %

N/A

USD1.93M

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 16.36% 69% D+ 65% D
Dividend Return 2.11% 45% F 62% D-
Total Return 18.48% 68% D+ 67% D+
Trailing 12 Months  
Capital Gain 48.73% 60% D- 76% C
Dividend Return 5.40% 65% D 72% C-
Total Return 54.12% 64% D 77% C+
Trailing 5 Years  
Capital Gain 3.12% 38% F 36% F
Dividend Return 16.22% 54% F 59% F
Total Return 19.33% 41% F 35% F
Average Annual (5 Year Horizon)  
Capital Gain -2.35% 21% F 16% F
Dividend Return 3.00% 76% C 67% D+
Total Return 0.65% 22% F 18% F
Risk Return Profile  
Volatility (Standard Deviation) 29.61% 47% F 36% F
Risk Adjusted Return 2.18% 22% F 17% F
Market Capitalization 3.06B 43% F 65% D
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.19 50% F 73% C
Price/Book Ratio 0.79 85% B 87% B+
Price / Cash Flow Ratio 5.57 63% D 61% D-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 7.32% 15% F 48% F
Return on Invested Capital 5.97% 69% D+ 59% F
Return on Assets 0.85% 16% F 28% F
Debt to Equity Ratio 13.43% 81% B- 84% B
Technical Ratios  
Short Ratio 2.34 66% D 46% F
Short Percent 4.07% 9% F 44% F
Beta 1.21 61% D- 40% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector