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ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:ASBA - US0454876006

25.02 USD
+0.12 (+0.48%)
Last: 12/29/2025, 8:04:00 PM
Fundamental Rating

4

ASBA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of ASBA have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on ASBA.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ASBA was profitable.
ASBA had a positive operating cash flow in the past year.
In the past 5 years ASBA has always been profitable.
ASBA had a positive operating cash flow in each of the past 5 years.
ASBA Yearly Net Income VS EBIT VS OCF VS FCFASBA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

1.2 Ratios

The Return On Assets of ASBA (0.37%) is worse than 84.02% of its industry peers.
ASBA has a Return On Equity of 3.36%. This is amonst the worse of the industry: ASBA underperforms 84.02% of its industry peers.
Industry RankSector Rank
ROA 0.37%
ROE 3.36%
ROIC N/A
ROA(3y)0.52%
ROA(5y)0.67%
ROE(3y)5.09%
ROE(5y)6.1%
ROIC(3y)N/A
ROIC(5y)N/A
ASBA Yearly ROA, ROE, ROICASBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 14.09%, ASBA is doing worse than 78.61% of the companies in the same industry.
ASBA's Profit Margin has declined in the last couple of years.
ASBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 14.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-30.12%
PM growth 5Y-15.92%
GM growth 3YN/A
GM growth 5YN/A
ASBA Yearly Profit, Operating, Gross MarginsASBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

ASBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ASBA has more shares outstanding
The number of shares outstanding for ASBA has been increased compared to 5 years ago.
The debt/assets ratio for ASBA is higher compared to a year ago.
ASBA Yearly Shares OutstandingASBA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
ASBA Yearly Total Debt VS Total AssetsASBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B

2.2 Solvency

The Debt to FCF ratio of ASBA is 1.77, which is an excellent value as it means it would take ASBA, only 1.77 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ASBA (1.77) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.20 indicates that ASBA is not too dependend on debt financing.
The Debt to Equity ratio of ASBA (0.20) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.77
Altman-Z N/A
ROIC/WACCN/A
WACC19.27%
ASBA Yearly LT Debt VS Equity VS FCFASBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ASBA Yearly Current Assets VS Current LiabilitesASBA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.79% over the past year.
The Earnings Per Share has been growing slightly by 3.84% on average over the past years.
Looking at the last year, ASBA shows a small growth in Revenue. The Revenue has grown by 5.93% in the last year.
The Revenue has been decreasing by -3.13% on average over the past years.
EPS 1Y (TTM)9.79%
EPS 3Y2.96%
EPS 5Y3.84%
EPS Q2Q%30.36%
Revenue 1Y (TTM)5.93%
Revenue growth 3Y-0.65%
Revenue growth 5Y-3.13%
Sales Q2Q%17.21%

3.2 Future

The Earnings Per Share is expected to grow by 10.26% on average over the next years. This is quite good.
ASBA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.16% yearly.
EPS Next Y13.46%
EPS Next 2Y8.77%
EPS Next 3Y10.26%
EPS Next 5YN/A
Revenue Next Year21.19%
Revenue Next 2Y15.06%
Revenue Next 3Y12.16%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ASBA Yearly Revenue VS EstimatesASBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
ASBA Yearly EPS VS EstimatesASBA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.70, the valuation of ASBA can be described as reasonable.
84.28% of the companies in the same industry are more expensive than ASBA, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ASBA to the average of the S&P500 Index (26.84), we can say ASBA is valued rather cheaply.
The Price/Forward Earnings ratio is 8.85, which indicates a very decent valuation of ASBA.
ASBA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ASBA is cheaper than 78.61% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.40, ASBA is valued rather cheaply.
Industry RankSector Rank
PE 9.7
Fwd PE 8.85
ASBA Price Earnings VS Forward Price EarningsASBA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ASBA indicates a rather cheap valuation: ASBA is cheaper than 81.96% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.38
EV/EBITDA N/A
ASBA Per share dataASBA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

ASBA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.72
PEG (5Y)2.53
EPS Next 2Y8.77%
EPS Next 3Y10.26%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.62%, ASBA has a reasonable but not impressive dividend return.
ASBA's Dividend Yield is a higher than the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, ASBA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.62%

5.2 History

The dividend of ASBA has a limited annual growth rate of 3.73%.
ASBA has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)3.73%
Div Incr Years1
Div Non Decr Years1
ASBA Yearly Dividends per shareASBA Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

101.18% of the earnings are spent on dividend by ASBA. This is not a sustainable payout ratio.
ASBA's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP101.18%
EPS Next 2Y8.77%
EPS Next 3Y10.26%
ASBA Yearly Income VS Free CF VS DividendASBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
ASBA Dividend Payout.ASBA Dividend Payout, showing the Payout Ratio.ASBA Dividend Payout.PayoutRetained Earnings

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ASSOC BANC-CORP - ASB 6 5/8 03/01/33

NYSE:ASBA (12/29/2025, 8:04:00 PM)

25.02

+0.12 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners87.36%
Inst Owner ChangeN/A
Ins Owners0.77%
Ins Owner ChangeN/A
Market Cap4.15B
Revenue(TTM)1.16B
Net Income(TTM)163.70M
Analysts68.57
Price Target28.44 (13.67%)
Short Float %0.01%
Short Ratio0.88
Dividend
Industry RankSector Rank
Dividend Yield 3.62%
Yearly Dividend0.95
Dividend Growth(5Y)3.73%
DP101.18%
Div Incr Years1
Div Non Decr Years1
Ex-Date11-14 2025-11-14 (0.4141)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.47%
Min EPS beat(2)4.04%
Max EPS beat(2)6.9%
EPS beat(4)4
Avg EPS beat(4)6.11%
Min EPS beat(4)4.04%
Max EPS beat(4)8.15%
EPS beat(8)8
Avg EPS beat(8)10.29%
EPS beat(12)11
Avg EPS beat(12)7.02%
EPS beat(16)15
Avg EPS beat(16)9.65%
Revenue beat(2)2
Avg Revenue beat(2)0.83%
Min Revenue beat(2)0.23%
Max Revenue beat(2)1.43%
Revenue beat(4)3
Avg Revenue beat(4)8.86%
Min Revenue beat(4)-1.88%
Max Revenue beat(4)35.66%
Revenue beat(8)4
Avg Revenue beat(8)8.3%
Revenue beat(12)4
Avg Revenue beat(12)4.7%
Revenue beat(16)7
Avg Revenue beat(16)3.84%
PT rev (1m)0.6%
PT rev (3m)3.92%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)1.15%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)2.42%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 9.7
Fwd PE 8.85
P/S 3.57
P/FCF 7.38
P/OCF 6.86
P/B 0.85
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)2.58
EY10.31%
EPS(NY)2.83
Fwd EY11.3%
FCF(TTM)3.39
FCFY13.56%
OCF(TTM)3.64
OCFY14.57%
SpS7
BVpS29.34
TBVpS22.02
PEG (NY)0.72
PEG (5Y)2.53
Graham Number41.27
Profitability
Industry RankSector Rank
ROA 0.37%
ROE 3.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.09%
GM N/A
FCFM 48.45%
ROA(3y)0.52%
ROA(5y)0.67%
ROE(3y)5.09%
ROE(5y)6.1%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-30.12%
PM growth 5Y-15.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.77
Debt/EBITDA N/A
Cap/Depr 70.74%
Cap/Sales 3.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 343.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.27%
ROIC/WACCN/A
Cap/Depr(3y)101.71%
Cap/Depr(5y)88.11%
Cap/Sales(3y)5%
Cap/Sales(5y)4.84%
Profit Quality(3y)309.46%
Profit Quality(5y)249.06%
High Growth Momentum
Growth
EPS 1Y (TTM)9.79%
EPS 3Y2.96%
EPS 5Y3.84%
EPS Q2Q%30.36%
EPS Next Y13.46%
EPS Next 2Y8.77%
EPS Next 3Y10.26%
EPS Next 5YN/A
Revenue 1Y (TTM)5.93%
Revenue growth 3Y-0.65%
Revenue growth 5Y-3.13%
Sales Q2Q%17.21%
Revenue Next Year21.19%
Revenue Next 2Y15.06%
Revenue Next 3Y12.16%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y27.46%
FCF growth 3Y3.89%
FCF growth 5Y1.1%
OCF growth 1Y20.37%
OCF growth 3Y3.09%
OCF growth 5Y0.21%

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 / ASBA FAQ

What is the fundamental rating for ASBA stock?

ChartMill assigns a fundamental rating of 4 / 10 to ASBA.


Can you provide the valuation status for ASSOC BANC-CORP - ASB 6 5/8 03/01/33?

ChartMill assigns a valuation rating of 7 / 10 to ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA). This can be considered as Undervalued.


How profitable is ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) has a profitability rating of 2 / 10.


What is the financial health of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

The financial health rating of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) is 2 / 10.


Can you provide the dividend sustainability for ASBA stock?

The dividend rating of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) is 4 / 10 and the dividend payout ratio is 101.18%.