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ASB vs V

ASB
Associated Banc-Corp
NEUTRAL
Price
$26.44
Market Cap
$4.39B
Sector
Financial Services
AI Confidence
72%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ASB
31.86
V
28.35
Forward P/E
ASB
8.35
V
20.79
P/B Ratio
ASB
0.92
V
15.09
P/S Ratio
ASB
4.0
V
14.08
EV/EBITDA
ASB
--
V
20.06

Profitability

Gross Margin
ASB
0.0%
V
97.78%
Operating Margin
ASB
45.38%
V
68.3%
Profit Margin
ASB
16.04%
V
50.23%
ROE
ASB
3.79%
V
53.95%
ROA
ASB
0.41%
V
18.36%

Growth

Revenue Growth
ASB
20.0%
V
14.6%
Earnings Growth
ASB
30.4%
V
17.4%

Financial Health

Debt/Equity
ASB
--
V
0.55
Current Ratio
ASB
--
V
1.11
Quick Ratio
ASB
--
V
0.72

Dividends

Dividend Yield
ASB
3.49%
V
0.89%
Payout Ratio
ASB
106.98%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

ASB vs V: Head-to-Head Comparison

This page compares Associated Banc-Corp (ASB) and Visa Inc. (V) 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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