Associated Banc Valuation

ASB Stock  USD 26.35  0.01  0.04%   
At this time, the firm appears to be undervalued. Associated Banc Corp shows a prevailing Real Value of $28.51 per share. The current price of the firm is $26.35. Our model approximates the value of Associated Banc Corp from analyzing the firm fundamentals such as Profit Margin of 0.33 %, return on equity of 0.0991, and Current Valuation of 6.98 B as well as examining its technical indicators and probability of bankruptcy.
Price Book
0.9227
Enterprise Value
B
Price Sales
3.0523
Forward PE
9.3633
Trailing PE
9.5162
Undervalued
Today
26.35
Please note that Associated Banc's price fluctuation is very steady at this time. Calculation of the real value of Associated Banc Corp is based on 3 months time horizon. Increasing Associated Banc's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Associated Banc is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Associated Stock. However, Associated Banc's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  26.35 Real  28.51 Target  30.2 Hype  26.3 Naive  25.82
The real value of Associated Stock, also known as its intrinsic value, is the underlying worth of Associated Banc Corp Company, which is reflected in its stock price. It is based on Associated Banc's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Associated Banc's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
28.51
Real Value
30.28
Upside
Estimating the potential upside or downside of Associated Banc Corp helps investors to forecast how Associated stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Associated Banc more accurately as focusing exclusively on Associated Banc's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
0.650.690.71
Details
Hype
Prediction
LowEstimatedHigh
24.5326.3028.07
Details
Potential
Annual Dividend
LowForecastedHigh
0.720.760.80
Details
10 Analysts
Consensus
LowTarget PriceHigh
27.4830.2033.52
Details

Associated Banc Total Value Analysis

Associated Banc Corp is presently projected to have company total value of 6.98 B with market capitalization of 4.38 B, debt of 4.17 B, and cash on hands of 502.42 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Associated Banc fundamentals before making security assessment based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
6.98 B
4.38 B
4.17 B
502.42 M

Associated Banc Investor Information

About 87.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.92. Some equities with similar Price to Book (P/B) outperform the market in the long run. Associated Banc Corp has Price/Earnings To Growth (PEG) ratio of 2.27. The entity last dividend was issued on the 2nd of March 2026. The firm had 3:2 split on the 13th of May 2004. Based on the measurements of operating efficiency obtained from Associated Banc's historical financial statements, Associated Banc Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April.

Associated Banc Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Associated Banc has an asset utilization ratio of 5.44 percent. This suggests that the Company is making $0.0544 for each dollar of assets. An increasing asset utilization means that Associated Banc Corp is more efficient with each dollar of assets it utilizes for everyday operations.
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

Associated Banc Profitability Analysis

Based on the measurements of profitability obtained from Associated Banc's financial statements, Associated Banc Corp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in April. Profitability indicators assess Associated Banc's ability to earn profits and add value for shareholders.
For Associated Banc profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Associated Banc Corp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Associated Banc 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 over time as well as its relative position and ranking within its peers.

Associated Banc Earnings per Share Projection vs Actual

The next projected EPS of Associated Banc is estimated to be 0.69 with future projections ranging from a low of 0.65 to a high of 0.71. Associated Banc's most recent 12-month trailing earnings per share (EPS TTM) is at 2.77. Please be aware that the consensus of earnings estimates for Associated Banc Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Associated Banc is projected to generate 0.69 in earnings per share on the 31st of March 2026. Associated Banc earnings estimates show analyst consensus about projected Associated Banc EPS (Earning Per Share). It derives the highest and the lowest estimates based on Associated Banc's historical volatility. Many public companies, such as Associated Banc, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

Associated Banc Earnings Estimation Breakdown

The calculation of Associated Banc's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Associated Banc is estimated to be 0.69 with the future projection ranging from a low of 0.65 to a high of 0.71. Please be aware that this consensus of annual earnings estimates for Associated Banc Corp is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.8
0.65
Lowest
Expected EPS
0.69
0.71
Highest

Associated Banc Earnings Projection Consensus

Suppose the current estimates of Associated Banc's value are higher than the current market price of the Associated Banc stock. In this case, investors may conclude that Associated Banc is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Associated Banc's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of March 2026Current EPS (TTM)
1093.37%
0.8
0.69
2.77

Associated Banc Ownership Allocation

Associated Banc holds a total of 165.98 Million outstanding shares. The majority of Associated Banc Corp outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in Associated Banc Corp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Associated Banc. Please pay attention to any change in the institutional holdings of Associated Banc Corp as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.

Associated Banc Profitability Analysis

The company reported the last year's revenue of 2.46 B. Total Income to common stockholders was 472.5 M with profit before taxes, overhead, and interest of 1.43 B.

Associated Banc Past Distributions to stockholders

Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Associated Banc's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Associated Banc and how it compares across the competition.

About Associated Banc Valuation

The stock valuation mechanism determines Associated Banc's current worth on a weekly basis. Our valuation model uses a comparative analysis of Associated Banc. We calculate exposure to Associated Banc's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Associated Banc's related companies.
Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin. Associated Banc operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 4101 people.

Associated Banc Quarterly Retained Earnings

3.23 Billion

Associated Banc's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Associated Banc's value is low or high relative to the company's performance and growth projections. Determining the market value of Associated Banc can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Associated Banc represents a small ownership stake in the entity. As a stockholder of Associated, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Associated Banc Dividends Analysis For Valuation

There are various types of dividends Associated Banc can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Associated shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Associated Banc Corp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Associated pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Associated Banc by the value of the dividends paid out.

Associated Banc Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding166.6 M
Quarterly Earnings Growth Y O Y0.304
Forward Price Earnings9.3633

Complementary Tools for Associated Stock analysis

When running Associated Banc's price analysis, check to measure Associated Banc's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Associated Banc is operating at the current time. Most of Associated Banc's value examination focuses on studying past and present price action to predict the probability of Associated Banc's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Associated Banc's price. Additionally, you may evaluate how the addition of Associated Banc to your portfolios can decrease your overall portfolio volatility.
Latest Portfolios
Quick portfolio dashboard that showcases your latest portfolios
Portfolio Rebalancing
Analyze risk-adjusted returns against different time horizons to find asset-allocation targets
Portfolio Anywhere
Track or share privately all of your investments from the convenience of any device
Portfolio Holdings
Check your current holdings and cash postion to detemine if your portfolio needs rebalancing
Headlines Timeline
Stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity
Portfolio Optimization
Compute new portfolio that will generate highest expected return given your specified tolerance for risk
Price Exposure Probability
Analyze equity upside and downside potential for a given time horizon across multiple markets
Idea Optimizer
Use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio
FinTech Suite
Use AI to screen and filter profitable investment opportunities