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ASB vs MCY

ASB
Associated Banc-Corp
BULLISH
Price
$27.85
Market Cap
$5.24B
Sector
Financial Services
AI Confidence
75%
MCY
Mercury General Corporation
BULLISH
Price
$95.65
Market Cap
$5.3B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ASB
10.05
MCY
9.79
Forward P/E
ASB
8.72
MCY
11.96
P/B Ratio
ASB
0.95
MCY
2.19
P/S Ratio
ASB
3.66
MCY
0.88
EV/EBITDA
ASB
--
MCY
5.54

Profitability

Gross Margin
ASB
0.0%
MCY
18.63%
Operating Margin
ASB
45.25%
MCY
16.66%
Profit Margin
ASB
33.12%
MCY
9.03%
ROE
ASB
9.91%
MCY
24.8%
ROA
ASB
1.08%
MCY
4.82%

Growth

Revenue Growth
ASB
721.8%
MCY
14.1%
Earnings Growth
ASB
--
MCY
100.9%

Financial Health

Debt/Equity
ASB
--
MCY
0.24
Current Ratio
ASB
--
MCY
0.56
Quick Ratio
ASB
--
MCY
0.52

Dividends

Dividend Yield
ASB
3.38%
MCY
1.33%
Payout Ratio
ASB
33.57%
MCY
13.0%

AI Verdict

ASB BULLISH

ASB presents a strong value opportunity, characterized by a stable Piotroski F-Score of 4/9 and a current price ($27.85) trading significantly below its Graham Number ($42.68) and book value (P/B 0.95). While the technical trend is currently bearish (10/100), the fundamental profile is supported by a consistent track record of earnings beats over 25 quarters and a sustainable dividend payout. The massive YoY revenue growth suggests inorganic expansion, which, combined with a low P/E of 10.05, indicates the market is underpricing the company's assets and earnings power.

Strengths
Trading below book value (P/B 0.95), providing a margin of safety
Strong valuation relative to Graham Number ($42.68)
Exceptional earnings track record with 3/4 recent beats and consistent historical surprises
Risks
Severely bearish technical trend (10/100) suggesting strong short-term selling pressure
Piotroski F-Score of 4/9 indicates only stable, not strong, financial health
High PEG ratio (1.78) suggests growth may be overpriced relative to earnings
MCY BULLISH

MCY exhibits a strong recovery profile, transitioning from significant losses in 2022-2023 to explosive earnings growth (100.9% YoY). While the Piotroski F-Score of 4/9 indicates stable but not strong financial health, the company's valuation is highly attractive, trading almost exactly at its Graham Number ($97.95) and significantly below its growth-based intrinsic value ($288.21). Strong ROE (24.8%) and a low P/E ratio (9.79) suggest the market has not yet fully priced in the recent earnings acceleration.

Strengths
Explosive earnings growth (100.9% YoY) and consistent earnings beats
Attractive valuation with a P/E of 9.79 and P/S of 0.88
Strong Return on Equity (ROE) of 24.80%
Risks
Low current ratio (0.56) indicating potential short-term liquidity pressure
Low dividend strength (25/100) and yield (1.33%)
High volatility in historical quarterly earnings (swinging from losses to massive gains)

Compare Another Pair

ASB vs MCY: Head-to-Head Comparison

This page compares Associated Banc-Corp (ASB) and Mercury General Corporation (MCY) 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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