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ASB vs JPM

ASB
Associated Banc-Corp
NEUTRAL
Price
$26.44
Market Cap
$4.39B
Sector
Financial Services
AI Confidence
72%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
ASB
31.86
JPM
14.69
Forward P/E
ASB
8.35
JPM
12.62
P/B Ratio
ASB
0.92
JPM
2.32
P/S Ratio
ASB
4.0
JPM
4.72
EV/EBITDA
ASB
--
JPM
--

Profitability

Gross Margin
ASB
0.0%
JPM
0.0%
Operating Margin
ASB
45.38%
JPM
41.06%
Profit Margin
ASB
16.04%
JPM
33.91%
ROE
ASB
3.79%
JPM
16.13%
ROA
ASB
0.41%
JPM
1.35%

Growth

Revenue Growth
ASB
20.0%
JPM
2.5%
Earnings Growth
ASB
30.4%
JPM
-3.6%

Financial Health

Debt/Equity
ASB
--
JPM
--
Current Ratio
ASB
--
JPM
--
Quick Ratio
ASB
--
JPM
--

Dividends

Dividend Yield
ASB
3.49%
JPM
2.11%
Payout Ratio
ASB
106.98%
JPM
28.97%

AI Verdict

ASB NEUTRAL

ASB's deterministic health score is concerning with a Piotroski F-Score of 4/9, indicating marginal financial stability. While growth metrics are strong—evidenced by 20% YoY revenue growth and 30.4% earnings growth—the elevated P/E of 31.86 and a payout ratio exceeding 100% raise sustainability concerns. The stock trades above both the Graham Number ($23.11) and intrinsic value estimate ($24.48), implying overvaluation relative to defensive and growth-based models. Analysts concur with a 'hold' rating, and insider selling adds caution, though solid earnings beats provide some support.

Strengths
Strong recent earnings growth with 30.4% YoY and 41.7% Q/Q earnings growth
Consistent earnings beat record: 3 out of last 4 quarters, with a 9.3% average surprise
Attractive dividend yield of 3.49%, above sector average
Risks
Piotroski F-Score of 4 indicates weak financial health, particularly in profitability and leverage trends
Dividend payout ratio of 106.98% is unsustainable long-term, threatening dividend cuts
High current P/E of 31.86 vs forward P/E of 8.35 suggests significant growth already priced in
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

ASB vs JPM: Head-to-Head Comparison

This page compares Associated Banc-Corp (ASB) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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