ASSOC BANC-CORP - ASB 6 5/8 03/01/33 (ASBA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ASBA - US0454876006
24.98 USD
-0.13 (-0.52%)
ASBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. ASBA has a bad profitability rating. Also its financial health evaluation is rather negative. ASBA is valued correctly, but it does not seem to be growing.
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.
- ASBA had positive earnings in 4 of the past 5 years.
- ASBA had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- ASBA has a Return On Assets of 0.37%. This is amonst the worse of the industry: ASBA underperforms 84.07% of its industry peers.
- ASBA has a worse Return On Equity (3.36%) than 83.81% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- ASBA's Profit Margin of 14.09% is on the low side compared to the rest of the industry. ASBA is outperformed by 78.33% of its industry peers.
- In the last couple of years the Profit Margin of ASBA has declined.
- The Operating Margin and Gross Margin are not available for ASBA so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- ASBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for ASBA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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.
- ASBA has a Debt to FCF ratio of 1.77. This is comparable to the rest of the industry: ASBA outperforms 52.22% of its industry peers.
- ASBA has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
- ASBA has a Debt to Equity ratio of 0.20. This is comparable to the rest of the industry: ASBA outperforms 42.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.57% over the past year.
- ASBA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.95% yearly.
EPS 1Y (TTM)17.57%
EPS 3Y6.14%
EPS 5Y18.95%
EPS Q2Q%40.35%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.75%
3.2 Future
- ASBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.60% yearly.
- The Revenue is expected to grow by 10.93% on average over the next years. This is quite good.
EPS Next Y1.14%
EPS Next 2Y6.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.69%
Revenue Next 2Y10.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.89, the valuation of ASBA can be described as very reasonable.
- Based on the Price/Earnings ratio, ASBA is valued cheaper than 90.34% of the companies in the same industry.
- ASBA is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 8.79 indicates a reasonable valuation of ASBA.
- 80.42% of the companies in the same industry are more expensive than ASBA, based on the Price/Forward Earnings ratio.
- ASBA is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.89 | ||
| Fwd PE | 8.79 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ASBA is valued cheaply inside the industry as 84.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.36 | ||
| EV/EBITDA | N/A |
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)7.77
PEG (5Y)0.47
EPS Next 2Y6.6%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ASBA has a Yearly Dividend Yield of 3.63%.
- ASBA's Dividend Yield is a higher than the industry average which is at 2.61.
- Compared to an average S&P500 Dividend Yield of 1.81, ASBA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.63% |
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
5.3 Sustainability
- ASBA pays out 101.18% of its income as dividend. 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 2Y6.6%
EPS Next 3YN/A
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 1.14% in the next year.