NYSE
ASBA
Last Price
US $24.76
KEY FIGURES
MKT CAP
$4.1B
EPS
TTM
$2.69
PEG
TTM
0.04x
P/E
TTM
9.22x
P/S
TTM
1.81x
YIELD
3.84%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
9.86%
Return on equity
ROIC: 0.97%
Valuation History
10.8X
Price to Earnings
EV/EBITDA: 15.6X
Cash flow
Profit margin
14.16%
(FY vs FY)
EBITDA Y/Y
-9.05%
(FY vs FY)
Cash flow Y/Y
4.45%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $24.76
—
Default assumptions
EBITDA Multiple
Fair Value
Market $24.76
—
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Associated Banc-Corp carries no debt; cash flow comfortably covers obligations.
Financial stability - Healthy cash flow growth.
Associated Banc-Corp's free cash flow has increased 15.03% from $535.26M last year to $615.69M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Associated Banc-Corp's debt to equity ratio is 1.01, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
Associated Banc-Corp's debt has increased relative to shareholder equity from 0.17 last year to 1.01 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
Associated Banc-Corp has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Associated Banc-Corp carries no debt; interest obligations are fully covered.
Financial stability - Profit margin growth.
Associated Banc-Corp's profit margin has increased (52.21%) in the last year from 12.92% to 19.67%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Associated Banc-Corp's short-term assets of $6.13G exceed its short-term liabilities of $0.00
Decreasing performance - ROA.
Associated Banc-Corp's return on assets of 0.97% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Associated Banc-Corp's return on equity of 9.86%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Associated Banc-Corp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Associated Banc-Corp had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Associated Banc-Corp has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Associated Banc-Corp has a free cash flow yield of 15.08%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Associated Banc-Corp's yearly earnings has increased 285.54% since last year from $123.14M to $474.78M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Associated Banc-Corp's yearly revenue has increased 128.03% since last year from $952.86M to $2.17G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.97% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Associated Banc-Corp's 3-year revenue CAGR of 21.66% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Associated Banc-Corp had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Associated Banc-Corp had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Associated Banc-Corp has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Associated Banc-Corp has an earnings yield of 10.85%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Associated Banc-Corp is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Associated Banc-Corp has an EV/EBITDA ratio of 5.51x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Associated Banc-Corp has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Associated Banc-Corp has a price-to-book ratio of 0.83x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Associated Banc-Corp has a price-to-sales ratio of 1.81x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue