Overall ASB gets a fundamental rating of 3 out of 10. We evaluated ASB against 383 industry peers in the Banks industry. ASB has a bad profitability rating. Also its financial health evaluation is rather negative. ASB has a valuation in line with the averages, but on the other hand it scores bad on growth.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

ASB had positive earnings in the past year.
ASB had a positive operating cash flow in the past year.
Of the past 5 years ASB 4 years were profitable.
Of the past 5 years ASB 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of ASB (0.37%) is worse than 84.33% of its industry peers.
ASB has a worse Return On Equity (3.36%) than 84.07% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.37%
ROE	3.36%
ROIC	N/A

ROA(3y)0.52%

ROA(5y)0.67%

ROE(3y)5.09%

ROE(5y)6.1%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ASB's Profit Margin of 14.09% is on the low side compared to the rest of the industry. ASB is outperformed by 78.59% of its industry peers.
ASB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for ASB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	14.09%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-30.12%

PM growth 5Y-15.92%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ASB does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for ASB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

ASB has a debt to FCF ratio of 1.77. This is a very positive value and a sign of high solvency as it would only need 1.77 years to pay back of all of its debts.
ASB's Debt to FCF ratio of 1.77 is in line compared to the rest of the industry. ASB outperforms 51.96% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that ASB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.20, ASB perfoms like the industry average, outperforming 41.78% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.2
Debt/FCF	1.77
Altman-Z	N/A

ROIC/WACCN/A

WACC18.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ASB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.57%, which is quite good.
ASB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.95% yearly.

EPS 1Y (TTM)17.57%

EPS 3Y6.14%

EPS 5Y18.95%

EPS Q2Q%40.35%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%12.75%

3.2 Future

ASB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.60% yearly.
ASB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.93% yearly.

EPS Next Y1.14%

EPS Next 2Y6.6%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.69%

Revenue Next 2Y10.93%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.70 indicates a reasonable valuation of ASB.
Based on the Price/Earnings ratio, ASB is valued cheaply inside the industry as 85.90% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of ASB to the average of the S&P500 Index (28.32), we can say ASB is valued rather cheaply.
A Price/Forward Earnings ratio of 9.59 indicates a reasonable valuation of ASB.
ASB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ASB is cheaper than 71.54% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, ASB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.7
Fwd PE	9.59

4.2 Price Multiples

ASB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ASB is cheaper than 81.46% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.04
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ASB does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)8.48

PEG (5Y)0.51

EPS Next 2Y6.6%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ASB has a Yearly Dividend Yield of 3.51%.
ASB's Dividend Yield is a higher than the industry average which is at 2.67.
ASB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.

		Industry Rank	Sector Rank
Dividend Yield	3.51%

5.2 History

The dividend of ASB has a limited annual growth rate of 3.73%.
ASB has paid a dividend for at least 10 years, which is a reliable track record.
ASB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)3.73%

Div Incr Years13

Div Non Decr Years14

5.3 Sustainability

101.18% of the earnings are spent on dividend by ASB. This is not a sustainable payout ratio.
The dividend of ASB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP101.18%

EPS Next 2Y6.6%

EPS Next 3YN/A

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ASSOCIATED BANC-CORP / ASB FAQ

What is the ChartMill fundamental rating of ASSOCIATED BANC-CORP (ASB) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ASB.

What is the valuation status for ASB stock?

ChartMill assigns a valuation rating of 6 / 10 to ASSOCIATED BANC-CORP (ASB). This can be considered as Fairly Valued.

How profitable is ASSOCIATED BANC-CORP (ASB) stock?

ASSOCIATED BANC-CORP (ASB) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for ASB stock?

The Price/Earnings (PE) ratio for ASSOCIATED BANC-CORP (ASB) is 9.7 and the Price/Book (PB) ratio is 0.93.

How sustainable is the dividend of ASSOCIATED BANC-CORP (ASB) stock?

The dividend rating of ASSOCIATED BANC-CORP (ASB) is 6 / 10 and the dividend payout ratio is 101.18%.