ScoreWhy is Associated Banc-Corp ?
1
Positive results in Jun 25
- NII(Q) Highest at USD 300 MM
- NET PROFIT(HY) Higher at USD 211.88 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
2
With ROA of 0.21%, it has a expensive valuation with a 0.96 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -0.42%, its profits have fallen by -1.5%
3
Below par performance in long term as well as near term
- Along with generating -0.42% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Associated Banc-Corp should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Associated Banc-Corp for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Associated Banc-Corp
-0.31%
0.85
32.20%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.34%
EBIT Growth (5y)
-21.77%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
123.00%
Pledged Shares
0
Institutional Holding
90.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
29
Industry P/E
Price to Book Value
0.96
EV to EBIT
54.51
EV to EBITDA
35.53
EV to Capital Employed
0.97
EV to Sales
2.85
PEG Ratio
NA
Dividend Yield
304.71%
ROCE (Latest)
1.78%
ROE (Latest)
3.35%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 300 MM
NET PROFIT(HY)
Higher at USD 211.88 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Highest at USD 1,042.49 MM
NET SALES(Q)
Highest at USD 545.54 MM
OPERATING PROFIT(Q)
Highest at USD 141.36 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.91 %
PRE-TAX PROFIT(Q)
Highest at USD 139.63 MM
-3What is not working for the Company
NET PROFIT(9M)
At USD 65.31 MM has Grown at -37.74%
Here's what is working for Associated Banc-Corp
NII
Highest at USD 300 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.37%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Profit
Higher at USD 211.88 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 545.54 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 141.36 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 139.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Cash and Eqv
Highest at USD 1,042.49 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
CASA
Highest at 10.77%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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