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

NYSE:ASBA • US0454876006

24.86 USD
-0.03 (-0.12%)
Last: Feb 27, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to ASBA. ASBA was compared to 379 industry peers in the Banks industry. ASBA has a medium profitability rating, but doesn't score so well on its financial health evaluation. ASBA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year ASBA was profitable.
  • In the past year ASBA had a positive cash flow from operations.
  • Each year in the past 5 years ASBA has been profitable.
  • Each year in the past 5 years ASBA had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

1.2 Ratios

  • ASBA has a better Return On Assets (1.02%) than 60.69% of its industry peers.
  • ASBA has a Return On Equity of 9.27%. This is comparable to the rest of the industry: ASBA outperforms 54.09% of its industry peers.
Industry RankSector Rank
ROA 1.02%
ROE 9.27%
ROIC N/A
ROA(3y)0.56%
ROA(5y)0.71%
ROE(3y)5.25%
ROE(5y)6.55%
ROIC(3y)N/A
ROIC(5y)N/A
ASBA Yearly ROA, ROE, ROICASBA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • ASBA has a Profit Margin of 30.99%. This is amongst the best in the industry. ASBA outperforms 81.53% of its industry peers.
  • ASBA's Profit Margin has improved 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) 30.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.92%
PM growth 5Y6.68%
GM growth 3YN/A
GM growth 5YN/A
ASBA Yearly Profit, Operating, Gross MarginsASBA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • ASBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ASBA remains at a similar level compared to 1 year ago.
  • ASBA has more shares outstanding than it did 5 years ago.
  • ASBA has a better debt/assets ratio than last year.
ASBA Yearly Shares OutstandingASBA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
ASBA Yearly Total Debt VS Total AssetsASBA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B 40B

2.2 Solvency

  • The Debt to FCF ratio of ASBA is 1.56, which is an excellent value as it means it would take ASBA, only 1.56 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.56, ASBA is in line with its industry, outperforming 54.62% of the companies in the same industry.
  • ASBA has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • ASBA has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Altman-Z N/A
ROIC/WACCN/A
WACC19.08%
ASBA Yearly LT Debt VS Equity VS FCFASBA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.57% over the past year.
  • Measured over the past years, ASBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.95% on average per year.
  • The Revenue has grown by 43.33% in the past year. This is a very strong growth!
  • ASBA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.10% yearly.
EPS 1Y (TTM)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
Revenue 1Y (TTM)43.33%
Revenue growth 3Y6.26%
Revenue growth 5Y3.1%
Sales Q2Q%13.81%

3.2 Future

  • ASBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.90% yearly.
  • Based on estimates for the next years, ASBA will show a quite strong growth in Revenue. The Revenue will grow by 10.54% on average per year.
EPS Next Y1.34%
EPS Next 2Y6.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.42%
Revenue Next 2Y10.54%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ASBA Yearly Revenue VS EstimatesASBA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.85, the valuation of ASBA can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ASBA indicates a rather cheap valuation: ASBA is cheaper than 88.39% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of ASBA to the average of the S&P500 Index (27.07), we can say ASBA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.73, the valuation of ASBA can be described as reasonable.
  • 82.59% of the companies in the same industry are more expensive than ASBA, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of ASBA to the average of the S&P500 Index (28.05), we can say ASBA is valued rather cheaply.
Industry RankSector Rank
PE 8.85
Fwd PE 8.73
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

  • Based on the Price/Free Cash Flow ratio, ASBA is valued cheaply inside the industry as 85.49% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.12
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ASBA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.61
PEG (5Y)0.47
EPS Next 2Y6.9%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • ASBA has a Yearly Dividend Yield of 3.42%. Purely for dividend investing, there may be better candidates out there.
  • ASBA's Dividend Yield is a higher than the industry average which is at 2.73.
  • ASBA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.42%

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 2026 0.5 1 1.5

5.3 Sustainability

  • 36.29% of the earnings are spent on dividend by ASBA. This is a low number and sustainable payout ratio.
  • The dividend of ASBA is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.29%
EPS Next 2Y6.9%
EPS Next 3YN/A
ASBA Yearly Income VS Free CF VS DividendASBA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/27/2026, 8:04:00 PM)

24.86

-0.03 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners87.31%
Inst Owner ChangeN/A
Ins Owners0.77%
Ins Owner ChangeN/A
Market Cap4.13B
Revenue(TTM)1.49B
Net Income(TTM)461.00M
Analysts68.57
Price Target28.25 (13.64%)
Short Float %0%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 3.42%
Yearly Dividend1.01
Dividend Growth(5Y)3.73%
DP36.29%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10%
Min EPS beat(2)6.9%
Max EPS beat(2)13.11%
EPS beat(4)4
Avg EPS beat(4)8.05%
Min EPS beat(4)4.04%
Max EPS beat(4)13.11%
EPS beat(8)8
Avg EPS beat(8)11.79%
EPS beat(12)11
Avg EPS beat(12)7.69%
EPS beat(16)15
Avg EPS beat(16)9.48%
Revenue beat(2)2
Avg Revenue beat(2)1.12%
Min Revenue beat(2)0.81%
Max Revenue beat(2)1.43%
Revenue beat(4)3
Avg Revenue beat(4)0.15%
Min Revenue beat(4)-1.88%
Max Revenue beat(4)1.43%
Revenue beat(8)4
Avg Revenue beat(8)3.62%
Revenue beat(12)5
Avg Revenue beat(12)4.77%
Revenue beat(16)7
Avg Revenue beat(16)3.84%
PT rev (1m)-0.38%
PT rev (3m)-0.07%
EPS NQ rev (1m)-0.15%
EPS NQ rev (3m)1%
EPS NY rev (1m)0.19%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)0.88%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)7.97%
Valuation
Industry RankSector Rank
PE 8.85
Fwd PE 8.73
P/S 2.77
P/FCF 7.12
P/OCF 6.7
P/B 0.83
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)2.81
EY11.3%
EPS(NY)2.85
Fwd EY11.45%
FCF(TTM)3.49
FCFY14.04%
OCF(TTM)3.71
OCFY14.92%
SpS8.96
BVpS29.98
TBVpS22.66
PEG (NY)6.61
PEG (5Y)0.47
Graham Number43.53
Profitability
Industry RankSector Rank
ROA 1.02%
ROE 9.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.99%
GM N/A
FCFM 38.94%
ROA(3y)0.56%
ROA(5y)0.71%
ROE(3y)5.25%
ROE(5y)6.55%
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 3Y2.92%
PM growth 5Y6.68%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.56
Debt/EBITDA N/A
Cap/Depr 61.48%
Cap/Sales 2.45%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC19.08%
ROIC/WACCN/A
Cap/Depr(3y)83.43%
Cap/Depr(5y)87.31%
Cap/Sales(3y)4.13%
Cap/Sales(5y)4.48%
Profit Quality(3y)277.2%
Profit Quality(5y)239.6%
High Growth Momentum
Growth
EPS 1Y (TTM)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
EPS Next Y1.34%
EPS Next 2Y6.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)43.33%
Revenue growth 3Y6.26%
Revenue growth 5Y3.1%
Sales Q2Q%13.81%
Revenue Next Year13.42%
Revenue Next 2Y10.54%
Revenue Next 3YN/A
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 1Y8.23%
FCF growth 3Y-9.59%
FCF growth 5Y3.18%
OCF growth 1Y6.11%
OCF growth 3Y-10.07%
OCF growth 5Y2.28%

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

Can you provide the ChartMill fundamental rating for ASSOC BANC-CORP - ASB 6 5/8 03/01/33?

ChartMill assigns a fundamental rating of 3 / 10 to ASBA.


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

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


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.


Can you provide the financial health for ASBA stock?

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


What is the expected EPS growth for ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) stock?

The Earnings per Share (EPS) of ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) is expected to grow by 1.34% in the next year.