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 3.31%, its profits have fallen by -1.5%
3
Underperformed the market in the last 1 year
- The stock has generated a return of 3.31% in the last 1 year, much lower than market (S&P 500) returns of 14.11%
Real-Time Research ReportHow much should you buy?
- 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
17.25%
1.05
32.33%
S&P 500
20.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.93%
EBIT Growth (5y)
20.29%
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
33.61%
Pledged Shares
0
Institutional Holding
90.12%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
32
Industry P/E
Price to Book Value
1.01
EV to EBIT
50.72
EV to EBITDA
36.30
EV to Capital Employed
1.01
EV to Sales
3.53
PEG Ratio
NA
Dividend Yield
286.95%
ROCE (Latest)
1.99%
ROE (Latest)
3.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend37What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 621.11 MM
NII(Q)
Highest at USD 309.98 MM
ROCE(HY)
Highest at 1.07%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 162.03 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.77 %
PRE-TAX PROFIT(Q)
Highest at USD 162.9 MM
NET PROFIT(Q)
Highest at USD 136.48 MM
GROSS NPA (%)
(Q
EPS(Q)
Highest at USD 0.8
-2What is not working for the Company
ROCE(HY)
Lowest at 1.07%
Here's what is working for Associated Banc-Corp
NII
Highest at USD 309.98 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 621.11 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 162.03 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.77 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 162.9 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 162.9 MM has Grown at 199.63%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 136.48 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 136.48 MM has Grown at 193.12%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.32%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
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)
EPS
Highest at USD 0.8
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 11.04%
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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