ASB Associated Banc-Corp - Fundamental Analysis
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ASB Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$26.44
Analyst Target
$30.0
+13.5%
Upside
52W High
$28.02
52W Low
$18.32
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
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.
Key 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
Price/Book of 0.92 suggests asset-backed valuation support
Revenue growth (20%) outpaces peer average despite sector-wide deceleration
Key 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
Insider selling activity: $0.93M in net sales over last 6 months, signaling lack of confidence
Missing Altman Z-Score prevents distress risk assessment, but low ROE (3.79%) and ROA (0.41%) imply weak capital efficiency
AI Fair Value Estimate
Based on comprehensive analysis
$23.8
-10.0% below current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare ASB against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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