Associated Banc Return On Asset vs. Net Income

ASB Stock  USD 26.69  0.03  0.11%   
Based on the measurements of profitability obtained from Associated Banc's financial statements, Associated Banc's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess Associated Banc's ability to earn profits and add value for shareholders. The current year's EV To Sales is expected to grow to 4.89, whereas Price To Sales Ratio is forecasted to decline to 2.59. At present, Associated Banc's Operating Income is projected to increase significantly based on the last few years of reporting. The current year's Net Income is expected to grow to about 183.2 M, whereas Accumulated Other Comprehensive Income is projected to grow to (162.5 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.730.82
Fairly Down
Slightly volatile
Net Profit Margin0.180.1794
Slightly Up
Slightly volatile
Operating Profit Margin0.260.3179
Significantly Down
Slightly volatile
Pretax Profit Margin0.340.2021
Way Up
Slightly volatile
Return On Assets0.00420.0045
Notably Down
Pretty Stable
Return On Equity0.04160.0438
Notably Down
Pretty Stable
For Associated Banc profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Associated Banc to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Associated Banc Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Associated Banc's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Associated Banc Corp over time as well as its relative position and ranking within its peers.
  

Associated Banc's Revenue Breakdown by Earning Segment

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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Associated Banc. If investors know Associated will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Associated Banc listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.057
Dividend Share
0.88
Earnings Share
1.2
Revenue Per Share
6.717
Quarterly Revenue Growth
0.033
The market value of Associated Banc Corp is measured differently than its book value, which is the value of Associated that is recorded on the company's balance sheet. Investors also form their own opinion of Associated Banc's value that differs from its market value or its book value, called intrinsic value, which is Associated Banc's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Associated Banc's market value can be influenced by many factors that don't directly affect Associated Banc's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Associated Banc's value and its price as these two are different measures arrived at by different means. Investors typically determine if Associated Banc is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Associated Banc's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

Associated Banc Corp Net Income vs. Return On Asset Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining Associated Banc's current stock value. Our valuation model uses many indicators to compare Associated Banc value to that of its competitors to determine the firm's financial worth.
Associated Banc Corp is rated below average in return on asset category among its peers. It is rated below average in net income category among its peers making up about  39,773,043,478  of Net Income per Return On Asset. At present, Associated Banc's Net Income is projected to increase significantly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Associated Banc's earnings, one of the primary drivers of an investment's value.

Associated Net Income vs. Return On Asset

Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.

Associated Banc

Return On Asset

 = 

Net Income

Total Assets

 = 
0.0046
Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.

Associated Banc

Net Income

 = 

(Rev + Gain)

-

(Exp + Loss)

 = 
182.96 M
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.

Associated Net Income Comparison

Associated Banc is currently under evaluation in net income category among its peers.

Associated Banc Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in Associated Banc, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Associated Banc will eventually generate negative long term returns. The profitability progress is the general direction of Associated Banc's change in net profit over the period of time. It can combine multiple indicators of Associated Banc, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-171.1 M-162.5 M
Operating Income206.1 M236.4 M
Net Income183 M183.2 M
Income Tax Expense23.1 M21.9 M
Income Before Tax206.1 M245.8 M
Total Other Income Expense Net(1,000.00)(1,050)
Net Income Applicable To Common Shares407.8 M248.2 M
Net Income From Continuing Ops382.5 M351.8 M
Net Interest Income1.1 B899.7 M
Interest Income1.8 B1.2 B
Change To Netincome116.7 M100.2 M
Net Income Per Share 1.22  1.00 
Income Quality 2.42  2.54 
Net Income Per E B T 0.89  0.55 

Associated Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on Associated Banc. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Associated Banc position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Associated Banc's important profitability drivers and their relationship over time.

Use Associated Banc in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Associated Banc position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Associated Banc will appreciate offsetting losses from the drop in the long position's value.

Associated Banc Pair Trading

Associated Banc Corp Pair Trading Analysis

The ability to find closely correlated positions to Associated Banc could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Associated Banc when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Associated Banc - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Associated Banc Corp to buy it.
The correlation of Associated Banc is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Associated Banc moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Associated Banc Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Associated Banc can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your Associated Banc position

In addition to having Associated Banc in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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When determining whether Associated Banc Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Associated Banc's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Associated Banc Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Associated Banc Corp Stock:
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You can also try the Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.
To fully project Associated Banc's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Associated Banc Corp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Associated Banc's income statement, its balance sheet, and the statement of cash flows.
Potential Associated Banc investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although Associated Banc investors may work on each financial statement separately, they are all related. The changes in Associated Banc's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Associated Banc's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.